BlastPoint's Banking Scorecard
The Northern State Bank of Gonvick
Designations: ✓ Community bank
Gonvick, 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 536 banks in the under $100M peer group nationwide — 1 of 52 in MN.
- Deposits +0.9% year over year ($42.3M on the books).
- Delinquency rate 1.03%.
- Return on assets 1.55%.
- Efficiency ratio 46.63% vs a 119.40% peer average.
- Loan-to-deposit ratio 44.35% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The Northern State Bank of Gonvick has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 72.77% below tier average
- + ROA 0.56% above tier average
- + Delinquency Rate 0.45% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.73% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$50.6M
+0.6% YoY
-5.4% QoQ
|
-$11.9M |
$62.4M
-0.0% YoY
|
$524.5M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
32% |
| Total Loans ? |
$18.8M
+17.2% YoY
+1.0% QoQ
|
-$16.1M |
$34.9M
-0.6% YoY
|
$300.2M
+7.3% YoY
|
$3.2B
+9.4% YoY
|
26% |
| Total Deposits ? |
$42.3M
+0.9% YoY
-6.8% QoQ
|
-$9.3M |
$51.6M
-0.2% YoY
|
$452.1M
+5.5% YoY
|
$4.9B
+7.3% YoY
|
33% |
| Return on Assets ? |
1.55%
+26.3% YoY
+4.0% QoQ
|
+0.56% |
1.00%
+3.5% YoY
|
1.26%
+17.2% YoY
|
1.30%
+12.1% YoY
|
76% |
| Net Interest Margin ? |
3.18%
+9.6% YoY
-1.9% QoQ
|
-0.73% |
3.91%
+2.3% YoY
|
4.00%
+6.8% YoY
|
3.95%
+4.9% YoY
|
18% |
| Efficiency Ratio ? |
46.63%
-1.8% YoY
+0.8% QoQ
|
-72.77% |
119.40%
+49.6% YoY
|
63.00%
-3.5% YoY
|
70.05%
+2.5% YoY
|
Top 6.3% in tier |
| Delinquency Rate ? |
1.03%
-17.2% YoY
-2.5% QoQ
|
-0.45% |
1.48%
+31.8% YoY
|
1.01%
+19.3% YoY
|
0.98%
+16.3% YoY
|
37% |
| Loan-to-Deposit Ratio ? |
44.35%
+16.1% YoY
+8.4% QoQ
|
-29.86% |
74.21%
+12.6% YoY
|
78.29%
-0.6% YoY
|
79.03%
+2.3% YoY
|
77% |
| Non-Interest-Bearing Deposit Share ? |
8.24%
-13.8% YoY
-48.1% QoQ
|
-15.25% |
23.49%
+0.6% YoY
|
21.79%
+0.9% YoY
|
21.98%
-0.6% YoY
|
Bottom 13.1% in tier |
| Nonperforming Asset Ratio ? |
0.38%
-3.6% YoY
+4.1% QoQ
|
-0.45% |
0.84%
+23.0% YoY
|
0.76%
+16.9% YoY
|
0.69%
+15.8% YoY
|
44% |
| Tier 1 Capital Ratio ? |
46.18%
-12.4% YoY
+7.4% QoQ
|
+19.06% |
27.13%
+3.0% YoY
|
15.35%
-0.4% YoY
|
17.09%
+0.8% YoY
|
Top 8.6% in tier |
| Non-Interest Income / Assets ? |
0.05%
-4.4% YoY
+140.3% QoQ
|
-1.33% |
1.38%
+6.3% YoY
|
0.31%
+3.9% YoY
|
0.66%
+5.2% YoY
|
18% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
8.2%
-1.3pp YoY -7.6pp QoQ |
-16.4pp | 24.6% | 21.9% | 22.2% | 9% |
| Brokered Deposits | n/a | n/a | 9.8% | 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 |
11.0%
-4.3pp YoY -0.7pp QoQ |
-2.4pp | 13.4% | 14.6% | 12.5% | 54% |
| CRE | n/a | n/a | 25.2% | 36.5% | 41.4% | n/a |
| 1-4 Family |
21.3%
+0.9pp YoY +1.5pp QoQ |
-13.7pp | 35.0% | 29.4% | 31.3% | 38% |
| Consumer |
13.5%
-2.5pp YoY -0.6pp QoQ |
+5.9pp | 7.7% | 4.5% | 5.0% | 87% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
46.2%
-6.5pp YoY +3.2pp QoQ |
+7.5pp | 38.7% | 16.5% | 19.7% | 86% |
| Leverage Ratio |
15.7%
+0.2pp YoY +0.8pp QoQ |
-1.9pp | 17.7% | 11.0% | 12.6% | 74% |
| Total Capital Ratio |
47.5%
-6.5pp YoY +3.2pp QoQ |
+7.8pp | 39.7% | 17.6% | 20.8% | 86% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
5
0 YoY 0 QoQ |
-7 | 12 | 55 | 482 | 7% |
| Assets per Employee ($) |
$10.1M
+0.6% YoY -5.4% QoQ |
+$3.9M | $6.2M | $8.6M | $8.8M | 94% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 4 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.3%
-0.1pp YoY 0.0pp QoQ |
-0.7pp | 1.0% | 0.4% | 0.4% | 41% |
| Nonaccrual |
0.7%
-0.2pp YoY 0.0pp QoQ |
-1.0pp | 1.7% | 1.0% | 1.0% | 50% |
| Allowance Coverage |
3.04x
-1.7% YoY +1.6% QoQ |
-3.37x | 6.41x | 20.41x | 20.23x | 71% |
| Net Charge-off Rate (YTD) |
-0.0%
+0.1pp YoY |
-0.2pp | 0.2% | 0.2% | 0.2% | 28% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
10.3%
+2.2pp YoY +0.1pp QoQ |
+3.9pp | 6.4% | 13.1% | 11.6% | 63% |
| Cost of Funds (YTD) |
1.8%
-0.5pp YoY +0.1pp QoQ |
+0.3pp | 1.4% | 1.7% | 1.7% | 73% |
| Net Income ($, YTD) |
$411,000
+28.4% YoY — QoQ |
+$93K | $317,817 | $4.5M | $40.4M | 65% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.