BlastPoint's Banking Scorecard
Pine River State Bank
Pine River, MN
5 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 +3.2% year over year ($169.8M on the books).
- Delinquency rate 0.75%.
- Return on assets 0.92%.
- Efficiency ratio 74.89% vs a 64.48% peer average.
- Loan-to-deposit ratio 62.15% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Pine River State Bank has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.17% below tier average
Key Concerns
Areas that may need attention
- - Non-Interest Income / Assets 0.51% below tier average
- - ROA 0.41% below tier average
- - Net Interest Margin 0.28% below tier average
- - Efficiency Ratio 10.41% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$185.3M
+3.5% YoY
+0.9% QoQ
|
-$201.2M |
$386.6M
+1.2% YoY
|
$524.5M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
23% |
| Total Loans ? |
$105.5M
+5.1% YoY
+3.2% QoQ
|
-$152.8M |
$258.3M
+1.7% YoY
|
$300.2M
+7.3% YoY
|
$3.2B
+9.4% YoY
|
21% |
| Total Deposits ? |
$169.8M
+3.2% YoY
+0.8% QoQ
|
-$156.9M |
$326.7M
+0.7% YoY
|
$452.1M
+5.5% YoY
|
$4.9B
+7.3% YoY
|
27% |
| Return on Assets ? |
0.92%
+12.1% YoY
+4.3% QoQ
|
-0.41% |
1.32%
+10.8% YoY
|
1.26%
+17.2% YoY
|
1.30%
+12.1% YoY
|
29% |
| Net Interest Margin ? |
3.71%
+10.2% YoY
+2.4% QoQ
|
-0.28% |
3.99%
+5.0% YoY
|
4.00%
+6.8% YoY
|
3.95%
+4.9% YoY
|
37% |
| Efficiency Ratio ? |
74.89%
-1.0% YoY
+0.4% QoQ
|
+10.41% |
64.48%
-3.2% YoY
|
63.00%
-3.5% YoY
|
70.05%
+2.5% YoY
|
21% |
| Delinquency Rate ? |
0.75%
+512.6% YoY
+72.4% QoQ
|
-0.17% |
0.92%
+15.7% YoY
|
1.01%
+19.3% YoY
|
0.98%
+16.3% YoY
|
36% |
| Loan-to-Deposit Ratio ? |
62.15%
+1.9% YoY
+2.4% QoQ
|
-15.80% |
77.95%
+1.0% YoY
|
78.29%
-0.6% YoY
|
79.03%
+2.3% YoY
|
80% |
| Non-Interest-Bearing Deposit Share ? |
26.86%
-7.3% YoY
+2.1% QoQ
|
+4.83% |
22.03%
-0.6% YoY
|
21.79%
+0.9% YoY
|
21.98%
-0.6% YoY
|
73% |
| Nonperforming Asset Ratio ? |
0.58%
+134.2% YoY
+39.7% QoQ
|
-0.08% |
0.67%
+16.4% YoY
|
0.76%
+16.9% YoY
|
0.69%
+15.8% YoY
|
35% |
| Tier 1 Capital Ratio ? |
16.36%
+15.4% YoY
-4.1% QoQ
|
+0.45% |
15.91%
+1.4% YoY
|
15.35%
-0.4% YoY
|
17.09%
+0.8% YoY
|
74% |
| Non-Interest Income / Assets ? |
0.05%
-50.2% YoY
+58.9% QoQ
|
-0.51% |
0.57%
+7.6% YoY
|
0.31%
+3.9% YoY
|
0.66%
+5.2% YoY
|
Bottom 6.4% in tier |
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 |
26.9%
-2.1pp YoY +0.6pp QoQ |
+4.7pp | 22.1% | 21.9% | 22.2% | 72% |
| 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 |
5.6%
-0.5pp YoY -0.3pp QoQ |
-6.0pp | 11.6% | 14.6% | 12.5% | 24% |
| CRE | n/a | n/a | 39.5% | 36.5% | 41.4% | n/a |
| 1-4 Family |
48.5%
-2.5pp YoY -0.5pp QoQ |
+15.8pp | 32.6% | 29.4% | 31.3% | 81% |
| Consumer |
1.8%
0.0pp YoY +0.2pp QoQ |
-2.3pp | 4.1% | 4.5% | 5.0% | 44% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
16.4%
+2.2pp YoY -0.7pp QoQ |
-2.5pp | 18.8% | 16.5% | 19.7% | 60% |
| Leverage Ratio |
8.5%
+0.2pp YoY +0.3pp QoQ |
-3.7pp | 12.2% | 11.0% | 12.6% | 6% |
| Total Capital Ratio |
17.6%
+2.3pp YoY -0.7pp QoQ |
-2.3pp | 19.9% | 17.6% | 20.8% | 60% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
39
+2 (+5.4%) YoY +2 (+5.4%) QoQ |
-20 | 58 | 55 | 482 | 40% |
| Assets per Employee ($) |
$4.8M
-1.8% YoY -4.3% QoQ |
-$2.8M | $7.5M | $8.6M | $8.8M | 11% |
| Branch Count |
5
0 YoY 0 QoQ |
0 | 4 | 4 | 18 | 55% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.4% | 0.4% | n/a |
| Nonaccrual |
0.8%
+0.6pp YoY +0.3pp QoQ |
-0.2pp | 0.9% | 1.0% | 1.0% | 64% |
| Allowance Coverage |
1.50x
-84.0% YoY -43.9% QoQ |
-22.66x | 24.15x | 20.41x | 20.23x | 39% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.1% | 0.2% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
11.3%
+0.4pp YoY +0.4pp QoQ |
-0.9pp | 12.2% | 13.1% | 11.6% | 45% |
| Cost of Funds (YTD) |
1.3%
0.0pp YoY 0.0pp QoQ |
-0.4pp | 1.7% | 1.7% | 1.7% | 25% |
| Net Income ($, YTD) |
$852,000
+17.4% YoY — QoQ |
-$1.7M | $2.6M | $4.5M | $40.4M | 22% |
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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.