BlastPoint's Banking Scorecard

Produce State Bank

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

Hollandale, MN

4 branches across MN

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 151 in MN.
Deposits +0.3% year over year ($94.6M on the books).
Delinquency rate 1.27%.
Return on assets 1.31%.
Efficiency ratio 63.72% vs a 64.48% peer average.
Loan-to-deposit ratio 62.59% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 151 in MN

View $100M-$1B leaderboard (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 0.56% above tier average
+ Efficiency Ratio 0.76% below tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 17.1% in tier
- Margin Compression: Bottom 46.2% in tier
- Delinquency Rate 0.36% above tier average

Get updates when Produce State Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Total Assets ?	$107.2M +0.4% YoY -3.1% QoQ	-$279.4M	$386.6M +1.2% YoY	$524.5M +5.8% YoY	$6.3B +7.7% YoY	Bottom 1.8% in tier
Total Loans ?	$59.2M +12.1% YoY -2.5% QoQ	-$199.1M	$258.3M +1.7% YoY	$300.2M +7.3% YoY	$3.2B +9.4% YoY	Bottom 4.5% in tier
Total Deposits ?	$94.6M +0.3% YoY -3.6% QoQ	-$232.1M	$326.7M +0.7% YoY	$452.1M +5.5% YoY	$4.9B +7.3% YoY	Bottom 4.0% in tier
Return on Assets ?	1.31% -9.6% YoY +0.6% QoQ	-0.01%	1.32% +10.8% YoY	1.26% +17.2% YoY	1.30% +12.1% YoY	54%
Net Interest Margin ?	4.54% +3.7% YoY +0.9% QoQ	+0.56%	3.99% +5.0% YoY	4.00% +6.8% YoY	3.95% +4.9% YoY	81%
Efficiency Ratio ?	63.72% +6.0% YoY -0.1% QoQ	-0.76%	64.48% -3.2% YoY	63.00% -3.5% YoY	70.05% +2.5% YoY	46%
Delinquency Rate ?	1.27% -11.6% YoY -17.9% QoQ	+0.36%	0.92% +15.7% YoY	1.01% +19.3% YoY	0.98% +16.3% YoY	23%
Loan-to-Deposit Ratio ?	62.59% +11.7% YoY +1.1% QoQ	-15.36%	77.95% +1.0% YoY	78.29% -0.6% YoY	79.03% +2.3% YoY	80%
Non-Interest-Bearing Deposit Share ?	31.16% +7.2% YoY -1.3% QoQ	+9.13%	22.03% -0.6% YoY	21.79% +0.9% YoY	21.98% -0.6% YoY	85%
Nonperforming Asset Ratio ?	0.70% -1.3% YoY -17.4% QoQ	+0.04%	0.67% +16.4% YoY	0.76% +16.9% YoY	0.69% +15.8% YoY	30%
Tier 1 Capital Ratio ?	10.33% -51.9% YoY +2.1% QoQ	-5.58%	15.91% +1.4% YoY	15.35% -0.4% YoY	17.09% +0.8% YoY	Bottom 14.8% in tier
Non-Interest Income / Assets ?	0.09% -30.6% YoY +126.5% QoQ	-0.47%	0.57% +7.6% YoY	0.31% +3.9% YoY	0.66% +5.2% YoY	17%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Noninterest-Bearing	31.2% +2.1pp YoY -0.4pp QoQ	+9.0pp	22.1%	21.9%	22.2%	84%
Brokered Deposits	n/a	n/a	7.9%	8.3%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
C&I	13.5% -1.4pp YoY -2.2pp QoQ	+1.9pp	11.6%	14.6%	12.5%	70%
CRE	n/a	n/a	39.5%	36.5%	41.4%	n/a
1-4 Family	28.5% +6.0pp YoY +2.7pp QoQ	-4.1pp	32.6%	29.4%	31.3%	48%
Consumer	6.7% -0.8pp YoY +0.3pp QoQ	+2.5pp	4.1%	4.5%	5.0%	84%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	16.5%	19.7%	n/a
Leverage Ratio	10.3% +0.2pp YoY +0.2pp QoQ	-1.8pp	12.2%	11.0%	12.6%	38%
Total Capital Ratio	n/a	n/a	19.9%	17.6%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Full-Time Employees	22 +1 (+4.8%) YoY +2 (+10.0%) QoQ	-37	58	55	482	14%
Assets per Employee ($)	$4.9M -4.2% YoY -11.9% QoQ	-$2.6M	$7.5M	$8.6M	$8.8M	13%
Branch Count	4 0 YoY 0 QoQ	-1	4	4	18	42%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.4%	0.4%	n/a
Nonaccrual	1.3% -0.2pp YoY +0.1pp QoQ	+0.3pp	0.9%	1.0%	1.0%	77%
Allowance Coverage	0.85x +8.5% YoY +34.3% QoQ	-23.30x	24.15x	20.41x	20.23x	22%
Net Charge-off Rate (YTD)	-0.2% -0.1pp YoY	-0.3pp	0.1%	0.2%	0.2%	2%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
ROE	12.1% -1.3pp YoY -0.1pp QoQ	-0.1pp	12.2%	13.1%	11.6%	50%
Cost of Funds (YTD)	0.7% 0.0pp YoY 0.0pp QoQ	-1.0pp	1.7%	1.7%	1.7%	4%
Net Income ($, YTD)	$726,000 -9.6% YoY — QoQ	-$1.8M	$2.6M	$4.5M	$40.4M	17%

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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

#114 of 661 • Bottom 17.1% 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: 10.33%

(Tier: 15.91%, National: 17.09%)

worse than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank declining

Margin Compression

decline

#143 of 307 • Bottom 46.2% 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: 1.32%, National: 1.30%)

worse than tier avg

307 of 307 Community banks match · 413 nationally

→ Stable +8 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 2643 peers in $100M-$1B

Top Strengths (3 metrics)

410

Non-Interest-Bearing Deposit Share

funding

Value: 31.16%

Peer Median: 22.03%

#410 of 2643 Top 15.5% in $100M-$1B

501

Net Interest Margin

profitability

Value: 4.54%

Peer Median: 3.99%

#501 of 2643 Top 18.9% in $100M-$1B

539

Loan-to-Deposit Ratio

liquidity

Value: 62.59%

Peer Median: 77.95%

#539 of 2643 Top 20.4% in $100M-$1B

Top Weaknesses (6 metrics)

2597

Total Assets

size

Value: $107.20M

Peer Median: $386.57M

#2597 of 2643 Bottom 1.8% in $100M-$1B

2539

Total Deposits

size

Value: $94.65M

Peer Median: $326.73M

#2539 of 2643 Bottom 4.0% in $100M-$1B

2524

Total Loans

size

Value: $59.24M

Peer Median: $258.35M

#2524 of 2643 Bottom 4.5% in $100M-$1B

2253

Tier 1 Capital Ratio

capital

Value: 10.33%

Peer Median: 15.91%

#2253 of 2643 Bottom 14.8% in $100M-$1B

2201

Non-Interest Income / Assets

revenue_mix

Value: 0.09%

Peer Median: 0.57%

#2201 of 2643 Bottom 16.8% in $100M-$1B

2036

Delinquency Rate

credit_quality

Value: 1.27%

Peer Median: 0.92%

#2036 of 2633 Bottom 22.7% in $100M-$1B