Bluff View Bank: how it compares with its peers
Against 53 WI banks with half to twice its assets, Bluff View Bank's strongest measure in Q2 2026 is net interest margin (4.26% vs. a 3.95% peer median). Its weakest relative measure is efficiency ratio (74.04% vs. 65.01%).
| Measure | Bluff View Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.26% | 1.16% | Middle third Ahead of 57% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.26% | 3.95% | Top third Ahead of 79% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 74.04% | 65.01% | Bottom third Ahead of 23% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.4M | $6.6M | Middle third Ahead of 43% of peers |
| Loans to deposits Net loans and leases over total deposits. | 85.47% | 84.92% | Context |
What it means for lending operations
Its efficiency ratio of 74.04% is above the 65.01% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Waldo State Bank Waldo, WI · $154M
- Oakwood Bank Pigeon Falls, WI · $156M
- The Pineries Bank Stevens Point, WI · $149M
- GreenLeaf Bank Greenleaf, WI · $159M
- First Community Bank Milton, WI · $159M
- Bank of Cashton Cashton, WI · $146M
Questions about Bluff View Bank
How big is Bluff View Bank?
Bluff View Bank, established in 1883, is headquartered in Galesville, WI. It reported $153M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is Bluff View Bank's return on assets?
1.26% annualized in Q2 2026, against a 1.16% median for 53 WI banks with half to twice its assets, ahead of 57% of them.
What is Bluff View Bank's efficiency ratio?
74.04% in Q2 2026: it spent about 74 cents in noninterest expense for each dollar of revenue. The peer median is 65.01%, and lower is better.
Is Bluff View Bank growing its loans?
Net loans grew 7.5% over the year to Q2 2026, while deposits shrank 6.7%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are WI banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Wisconsin bank ranked.