BlastPoint's Banking Scorecard
The Northern State Bank of Gonvick
Designations: ✓ Community bank
Gonvick, MN
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 41.38% below tier average
- + ROA 0.64% above tier average
- + Delinquency Rate 0.31% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.63% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$53.5M
+2.0% YoY
-2.1% QoQ
|
-$8.8M |
$62.3M
-0.5% YoY
|
$514.9M
+5.5% YoY
|
$6.2B
+9.0% YoY
|
36% |
| Total Loans ? |
$18.6M
+15.2% YoY
+6.1% QoQ
|
-$15.7M |
$34.3M
-1.5% YoY
|
$289.5M
+6.9% YoY
|
$3.2B
+10.7% YoY
|
25% |
| Total Deposits ? |
$45.4M
+2.3% YoY
-2.2% QoQ
|
-$6.5M |
$51.8M
-0.6% YoY
|
$445.6M
+5.0% YoY
|
$4.8B
+8.0% YoY
|
37% |
| Return on Assets ? |
1.50%
+6.2% YoY
+17.9% QoQ
|
+0.64% |
0.86%
-3.6% YoY
|
1.14%
+11.1% YoY
|
1.24%
+13.1% YoY
|
78% |
| Net Interest Margin ? |
3.24%
+8.8% YoY
+12.6% QoQ
|
-0.63% |
3.87%
+2.7% YoY
|
3.93%
+7.5% YoY
|
3.89%
+5.7% YoY
|
21% |
| Efficiency Ratio ? |
46.24%
+4.1% YoY
-5.9% QoQ
|
-41.38% |
87.63%
+2.3% YoY
|
64.52%
-3.4% YoY
|
66.84%
-3.8% YoY
|
Top 6.0% in tier |
| Delinquency Rate ? |
1.06%
-17.0% YoY
+30.1% QoQ
|
-0.31% |
1.36%
+33.7% YoY
|
1.04%
+28.5% YoY
|
0.95%
+18.8% YoY
|
35% |
| Loan-to-Deposit Ratio ? |
40.92%
+12.6% YoY
+8.5% QoQ
|
-23.19% |
64.11%
-0.9% YoY
|
76.74%
-0.5% YoY
|
76.69%
+0.9% YoY
|
81% |
| Non-Interest-Bearing Deposit Share ? |
15.87%
+58.0% YoY
-39.3% QoQ
|
-7.91% |
23.79%
+0.5% YoY
|
21.89%
-0.8% YoY
|
22.01%
-1.1% YoY
|
26% |
| Nonperforming Asset Ratio ? |
0.37%
-6.3% YoY
+40.9% QoQ
|
-0.41% |
0.77%
+28.7% YoY
|
0.77%
+26.8% YoY
|
0.66%
+19.3% YoY
|
44% |
| Tier 1 Capital Ratio ? |
43.02%
-12.4% YoY
-7.5% QoQ
|
+16.24% |
26.77%
+2.0% YoY
|
15.37%
+0.7% YoY
|
17.06%
+0.8% YoY
|
Top 8.4% in tier |
| Non-Interest Income / Assets ? |
0.02%
-10.1% YoY
-78.4% QoQ
|
-0.65% |
0.67%
+1.6% YoY
|
0.15%
+3.6% YoY
|
0.32%
+4.0% YoY
|
Bottom 14.2% in tier |
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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.