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 42.10% below tier average
- + ROA 0.66% above tier average
- + Delinquency Rate 0.32% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.62% 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
|
-$8.7M |
$62.2M
-0.6% YoY
|
$512.9M
+5.5% YoY
|
$6.2B
+9.1% YoY
|
36% |
| Total Loans ? |
$18.6M
+15.2% YoY
+6.1% QoQ
|
-$15.7M |
$34.2M
-1.4% YoY
|
$288.3M
+6.9% YoY
|
$3.2B
+10.8% YoY
|
25% |
| Total Deposits ? |
$45.4M
+2.3% YoY
-2.2% QoQ
|
-$6.4M |
$51.7M
-0.7% YoY
|
$443.8M
+5.0% YoY
|
$4.8B
+8.2% YoY
|
38% |
| Return on Assets ? |
1.50%
+6.2% YoY
+17.9% QoQ
|
+0.66% |
0.84%
-2.3% YoY
|
1.13%
+10.7% YoY
|
1.23%
+13.4% YoY
|
78% |
| Net Interest Margin ? |
3.24%
+8.8% YoY
+12.6% QoQ
|
-0.62% |
3.86%
+2.8% YoY
|
3.93%
+7.5% YoY
|
3.89%
+5.7% YoY
|
22% |
| Efficiency Ratio ? |
46.24%
+4.1% YoY
-5.9% QoQ
|
-42.10% |
88.34%
+0.3% YoY
|
64.77%
-3.3% YoY
|
66.95%
-4.1% YoY
|
Top 5.9% in tier |
| Delinquency Rate ? |
1.06%
-17.0% YoY
+30.1% QoQ
|
-0.32% |
1.37%
+33.8% YoY
|
1.04%
+28.9% YoY
|
0.95%
+18.8% YoY
|
35% |
| Loan-to-Deposit Ratio ? |
40.92%
+12.6% YoY
+8.5% QoQ
|
-23.30% |
64.22%
-0.7% YoY
|
76.69%
-0.4% YoY
|
76.70%
+0.9% YoY
|
81% |
| Non-Interest-Bearing Deposit Share ? |
15.87%
+58.0% YoY
-39.3% QoQ
|
-7.84% |
23.71%
+0.3% YoY
|
21.87%
-0.9% YoY
|
22.01%
-1.2% YoY
|
26% |
| Nonperforming Asset Ratio ? |
0.37%
-6.3% YoY
+40.9% QoQ
|
-0.42% |
0.79%
+28.2% YoY
|
0.77%
+27.1% YoY
|
0.67%
+19.3% YoY
|
44% |
| Tier 1 Capital Ratio ? |
43.02%
-12.4% YoY
-7.5% QoQ
|
+16.33% |
26.68%
+2.0% YoY
|
15.37%
+0.7% YoY
|
17.06%
+0.8% YoY
|
Top 8.3% in tier |
| Non-Interest Income / Assets ? |
0.02%
-10.1% YoY
-78.4% QoQ
|
-0.65% |
0.67%
+1.9% YoY
|
0.16%
+5.0% YoY
|
0.32%
+4.1% YoY
|
Bottom 14.0% 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.