BlastPoint's Banking Scorecard

Produce State Bank

$100M-$1B Specialty: Agricultural MN FDIC cert 10178

Hollandale, MN

4 branches across MN

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

Produce State Bank has 2 strengths but faces 3 concerns

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

+ Net Interest Margin 0.57% above tier average
+ Efficiency Ratio 1.49% below tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 9.5% in tier
- Margin Compression: Bottom 26.9% in tier
- Delinquency Rate 0.66% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Total Assets ?	$110.6M -0.5% YoY -2.6% QoQ	-$275.5M	$386.1M +0.5% YoY	$512.9M +5.5% YoY	$6.2B +9.1% YoY	Bottom 2.9% in tier
Total Loans ?	$60.8M +16.4% YoY +6.3% QoQ	-$194.9M	$255.7M +1.1% YoY	$288.3M +6.9% YoY	$3.2B +10.8% YoY	Bottom 5.1% in tier
Total Deposits ?	$98.2M -0.5% YoY -2.8% QoQ	-$229.8M	$328.0M +0.1% YoY	$443.8M +5.0% YoY	$4.8B +8.2% YoY	Bottom 4.9% in tier
Return on Assets ?	1.31% -15.9% YoY -3.6% QoQ	+0.04%	1.27% +12.9% YoY	1.13% +10.7% YoY	1.23% +13.4% YoY	56%
Net Interest Margin ?	4.50% +3.4% YoY +1.7% QoQ	+0.57%	3.93% +6.0% YoY	3.93% +7.5% YoY	3.89% +5.7% YoY	82%
Efficiency Ratio ?	63.80% +8.3% YoY +3.3% QoQ	-1.49%	65.29% -4.5% YoY	64.77% -3.3% YoY	66.95% -4.1% YoY	48%
Delinquency Rate ?	1.55% +14.6% YoY -1.8% QoQ	+0.66%	0.89% +18.8% YoY	1.04% +28.9% YoY	0.95% +18.8% YoY	17%
Loan-to-Deposit Ratio ?	61.90% +17.0% YoY +9.4% QoQ	-14.74%	76.64% +0.8% YoY	76.69% -0.4% YoY	76.70% +0.9% YoY	79%
Non-Interest-Bearing Deposit Share ?	31.57% +2.8% YoY -3.8% QoQ	+9.55%	22.02% -1.0% YoY	21.87% -0.9% YoY	22.01% -1.2% YoY	Top 14.6% in tier
Nonperforming Asset Ratio ?	0.85% +34.0% YoY +7.3% QoQ	+0.21%	0.64% +19.7% YoY	0.77% +27.1% YoY	0.67% +19.3% YoY	24%
Tier 1 Capital Ratio ?	10.12% -53.3% YoY -49.4% QoQ	-5.71%	15.83% +1.5% YoY	15.37% +0.7% YoY	17.06% +0.8% YoY	Bottom 11.1% in tier
Non-Interest Income / Assets ?	0.04% -33.0% YoY -81.3% QoQ	-0.24%	0.28% +9.3% YoY	0.16% +5.0% YoY	0.32% +4.1% YoY	Bottom 14.9% 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 (0)

No matched strength signatures this quarter

Concerns (2)

Capital Thin

risk

#64 of 666 • Bottom 9.5% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 10.12%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ

Margin Compression

decline

#83 of 305 • Bottom 26.9% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature

Return on Assets: 1.31%

(Tier: 1.27%, National: 1.23%)

better than tier avg

305 of 305 Community banks match · 407 nationally

↑ Growing +94 banks QoQ | QoQ rank declining

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 (3 metrics)

389

Non-Interest-Bearing Deposit Share

funding

Value: 31.57%

Peer Median: 22.02%

#389 of 2664 Top 14.6% in $100M-$1B

477

Net Interest Margin

profitability

Value: 4.50%

Peer Median: 3.93%

#477 of 2664 Top 17.9% in $100M-$1B

559

Loan-to-Deposit Ratio

liquidity

Value: 61.90%

Peer Median: 76.64%

#559 of 2664 Top 20.9% in $100M-$1B

Top Weaknesses (7 metrics)

2589

Total Assets

size

Value: $110.59M

Peer Median: $386.08M

#2589 of 2664 Bottom 2.9% in $100M-$1B

2534

Total Deposits

size

Value: $98.18M

Peer Median: $327.97M

#2534 of 2664 Bottom 4.9% in $100M-$1B

2528

Total Loans

size

Value: $60.78M

Peer Median: $255.72M

#2528 of 2664 Bottom 5.1% in $100M-$1B

2369

Tier 1 Capital Ratio

capital

Value: 10.12%

Peer Median: 15.83%

#2369 of 2664 Bottom 11.1% in $100M-$1B

2267

Non-Interest Income / Assets

revenue_mix

Value: 0.04%

Peer Median: 0.28%

#2267 of 2664 Bottom 14.9% in $100M-$1B

2193

Delinquency Rate

credit_quality

Value: 1.55%

Peer Median: 0.89%

#2193 of 2654 Bottom 17.4% in $100M-$1B

2029

Nonperforming Asset Ratio

credit_quality

Value: 0.85%

Peer Median: 0.64%

#2029 of 2664 Bottom 23.9% in $100M-$1B