BlastPoint's Banking Scorecard
State Bank of Newburg
Micro
Specialty: Agricultural
WI
FDIC cert 9529
Designations: ✓ Community bank
Newburg, WI
2498
banks in Micro tier nationally
88 in WI
View Micro leaderboard (WI) →
State Bank of Newburg shows strong momentum with 4 strengths and 11.4% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 29.15% below tier
- + Delinquency Rate 0.64% below tier
- + Loan-to-Deposit Ratio 30.28% above tier
- + Nonperforming Asset Ratio 0.45% below tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$331.8M
+11.4% YoY
+1.7% QoQ
|
+$114.3M |
$217.5M
+2.3% YoY
|
$1.1B
+5.1% YoY
|
$5.9B
+6.5% YoY
|
78% |
| Total Loans ? |
$275.4M
+14.3% YoY
+1.7% QoQ
|
+$136.3M |
$139.2M
+2.8% YoY
|
$768.8M
+4.7% YoY
|
$3.1B
+8.5% YoY
|
Top 11% in tier |
| Total Deposits ? |
$262.8M
+13.7% YoY
+2.7% QoQ
|
+$79.2M |
$183.7M
+1.8% YoY
|
$858.9M
+4.5% YoY
|
$4.7B
+6.3% YoY
|
74% |
| Return on Assets ? |
1.95%
+22.5% YoY
+3.1% QoQ
|
+0.86% |
1.08%
+14.7% YoY
|
1.12%
+22.4% YoY
|
1.12%
+15.6% YoY
|
Top 11% in tier |
| Net Interest Margin ? |
4.11%
+17.5% YoY
+1.7% QoQ
|
+0.26% |
3.85%
+6.6% YoY
|
3.60%
+10.9% YoY
|
3.75%
+7.1% YoY
|
64% |
| Efficiency Ratio ? |
38.58%
-16.6% YoY
-4.3% QoQ
|
-29.15% |
67.73%
-4.8% YoY
|
64.76%
-6.6% YoY
|
65.09%
-5.1% YoY
|
Top 1% in tier |
| Delinquency Rate ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-0.64% |
0.64%
+24.4% YoY
|
0.52%
+44.6% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
104.80%
+0.5% YoY
-1.0% QoQ
|
+30.28% |
74.53%
+0.5% YoY
|
85.80%
+1.3% YoY
|
78.04%
+0.7% YoY
|
Top 5% in tier |
| Non-Interest-Bearing Deposit Share ? |
10.88%
-14.5% YoY
-17.6% QoQ
|
-11.51% |
22.39%
-1.3% YoY
|
18.83%
-1.2% YoY
|
21.79%
-1.3% YoY
|
Bottom 13% in tier |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-0.45% |
0.45%
+25.1% YoY
|
0.37%
+20.8% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
8.70%
-2.9% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.22%
+48.1% YoY
+36.0% QoQ
|
-0.34% |
0.56%
+0.3% YoY
|
0.58%
+3.9% YoY
|
0.65%
+0.6% YoY
|
27% |
Signature Analysis
Strengths (4)
Efficiency Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
38.58%
(Tier avg: 67.73%, National avg: 65.09%)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Loan-to-Deposit Ratio
metric
Top 5%
in Micro
Why this stands out
Current:
104.80%
(Tier avg: 74.53%, National avg: 78.04%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
99
99th pctile
Efficiency Ratio
Current: 38.58% · Tier avg: 67.73%
95
95th pctile
Loan-to-Deposit Ratio
Current: 104.80% · Tier avg: 74.53%
89
89th pctile
Return on Assets
Current: 1.95% · Tier avg: 1.08%
89
89th pctile
Total Loans
Current: $275.4M · Tier avg: $139.2M
78
78th pctile
Total Assets
Current: $331.8M · Tier avg: $217.5M
74
74th pctile
Total Deposits
Current: $262.8M · Tier avg: $183.7M
64
64th pctile
Net Interest Margin
Current: 4.11% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
27
27th pctile
Non-Interest Income / Assets
Current: 0.22% · Tier avg: 0.56%
13
13th pctile
Non-Interest-Bearing Deposit Share
Current: 10.88% · Tier avg: 22.39%
Top Weaknesses
13
13th pctile
Non-Interest-Bearing Deposit Share
Current: 10.88% · Tier avg: 22.39%
27
27th pctile
Non-Interest Income / Assets
Current: 0.22% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
64
64th pctile
Net Interest Margin
Current: 4.11% · Tier avg: 3.85%
74
74th pctile
Total Deposits
Current: $262.8M · Tier avg: $183.7M
78
78th pctile
Total Assets
Current: $331.8M · Tier avg: $217.5M
89
89th pctile
Total Loans
Current: $275.4M · Tier avg: $139.2M
89
89th pctile
Return on Assets
Current: 1.95% · Tier avg: 1.08%
95
95th pctile
Loan-to-Deposit Ratio
Current: 104.80% · Tier avg: 74.53%
99
99th pctile
Efficiency Ratio
Current: 38.58% · Tier avg: 67.73%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%