BlastPoint's Banking Scorecard

Sherburne State Bank

$100M-$1B Specialty: Commercial MN FDIC cert 10169

Becker, MN

4 branches across MN

2664 banks in the $100M-$1B peer group nationally 152 in MN

Sherburne State Bank has 5 strengths but faces 1 concern

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Credit Quality Leader: Top 13.0% in tier
+ Revenue Diversifier: Top 35.3% in tier
+ Efficiency Ratio 20.29% below tier average
+ ROA 0.70% above tier average
+ Net Interest Margin 0.73% above tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 4.0% in tier

Get updates when Sherburne State Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Total Assets ?	$343.4M +13.3% YoY +1.8% QoQ	-$42.7M	$386.1M +0.5% YoY	$512.9M +5.5% YoY	$6.2B +9.1% YoY	53%
Total Loans ?	$264.5M +15.7% YoY +1.2% QoQ	+$8.7M	$255.7M +1.1% YoY	$288.3M +6.9% YoY	$3.2B +10.8% YoY	62%
Total Deposits ?	$284.8M +13.4% YoY +2.1% QoQ	-$43.2M	$328.0M +0.1% YoY	$443.8M +5.0% YoY	$4.8B +8.2% YoY	52%
Return on Assets ?	1.97% +13.3% YoY +8.8% QoQ	+0.70%	1.27% +12.9% YoY	1.13% +10.7% YoY	1.23% +13.4% YoY	Top 13.1% in tier
Net Interest Margin ?	4.66% +3.6% YoY +0.6% QoQ	+0.73%	3.93% +6.0% YoY	3.93% +7.5% YoY	3.89% +5.7% YoY	Top 14.0% in tier
Efficiency Ratio ?	45.00% -8.5% YoY -1.9% QoQ	-20.29%	65.29% -4.5% YoY	64.77% -3.3% YoY	66.95% -4.1% YoY	Top 9.0% in tier
Delinquency Rate ?	0.02% -92.7% QoQ	-0.87%	0.89% +18.8% YoY	1.04% +28.9% YoY	0.95% +18.8% YoY	84%
Loan-to-Deposit Ratio ?	92.87% +2.0% YoY -0.8% QoQ	+16.24%	76.64% +0.8% YoY	76.69% -0.4% YoY	76.70% +0.9% YoY	19%
Non-Interest-Bearing Deposit Share ?	29.32% -3.4% YoY +3.2% QoQ	+7.30%	22.02% -1.0% YoY	21.87% -0.9% YoY	22.01% -1.2% YoY	80%
Nonperforming Asset Ratio ?	0.02% -92.7% QoQ	-0.62%	0.64% +19.7% YoY	0.77% +27.1% YoY	0.67% +19.3% YoY	84%
Tier 1 Capital Ratio ?	10.07% +2.1% YoY -1.7% QoQ	-5.76%	15.83% +1.5% YoY	15.37% +0.7% YoY	17.06% +0.8% YoY	Bottom 10.4% in tier
Non-Interest Income / Assets ?	0.22% +2.6% YoY -72.0% QoQ	-0.06%	0.28% +9.3% YoY	0.16% +5.0% YoY	0.32% +4.1% YoY	Top 11.8% in tier

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (2)

Credit Quality Leader

growth

#87 of 664 • Top 13.0% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.02%

(Tier: 0.89%, National: 0.95%)

better than tier avg

664 of 664 Community banks match · 922 nationally

→ Stable +2 banks QoQ

Revenue Diversifier

growth

#236 of 666 • Top 35.3% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.22%

(Tier: 0.28%, National: 0.32%)

but worse than tier avg

Return on Assets: 1.97%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Concerns (1)

Credit Quality Pressure

risk

#53 of 1308 • Bottom 4.0% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.02%

(Tier: 0.89%, National: 0.95%)

better than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (7 metrics)

240

Efficiency Ratio

profitability

Value: 45.00%

Peer Median: 65.29%

#240 of 2664 Top 9.0% in $100M-$1B

316

Non-Interest Income / Assets

revenue_mix

Value: 0.22%

Peer Median: 0.28%

#316 of 2664 Top 11.8% in $100M-$1B

350

Return on Assets

profitability

Value: 1.97%

Peer Median: 1.27%

#350 of 2664 Top 13.1% in $100M-$1B

373

Net Interest Margin

profitability

Value: 4.66%

Peer Median: 3.93%

#373 of 2664 Top 14.0% in $100M-$1B

418

Nonperforming Asset Ratio

credit_quality

Value: 0.02%

Peer Median: 0.64%

#418 of 2664 Top 15.7% in $100M-$1B

429

Delinquency Rate

credit_quality

Value: 0.02%

Peer Median: 0.89%

#429 of 2654 Top 16.1% in $100M-$1B

533

Non-Interest-Bearing Deposit Share

funding

Value: 29.32%

Peer Median: 22.02%

#533 of 2664 Top 20.0% in $100M-$1B

Top Weaknesses (2 metrics)

2388

Tier 1 Capital Ratio

capital

Value: 10.07%

Peer Median: 15.83%

#2388 of 2664 Bottom 10.4% in $100M-$1B

2168

Loan-to-Deposit Ratio

liquidity

Value: 92.87%

Peer Median: 76.64%

#2168 of 2664 Bottom 18.7% in $100M-$1B