BlastPoint's Banking Scorecard
Northview Bank
Sandstone, MN
12 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 +1.9% year over year ($392.5M on the books).
- Delinquency rate 0.47%.
- Return on assets 1.57%.
- Efficiency ratio 64.01% vs a 64.48% peer average.
- Loan-to-deposit ratio 96.03% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Northview Bank has 4 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.02% above tier average
- + ROA 0.24% above tier average
- + Efficiency Ratio 0.46% below tier average
- + Delinquency Rate 0.45% below tier average
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 31.0% in tier
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$469.7M
+1.5% YoY
-1.7% QoQ
|
+$83.1M |
$386.6M
+1.2% YoY
|
$524.5M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
69% |
| Total Loans ? |
$376.9M
+10.5% YoY
+4.2% QoQ
|
+$118.6M |
$258.3M
+1.7% YoY
|
$300.2M
+7.3% YoY
|
$3.2B
+9.4% YoY
|
77% |
| Total Deposits ? |
$392.5M
+1.9% YoY
-2.4% QoQ
|
+$65.8M |
$326.7M
+0.7% YoY
|
$452.1M
+5.5% YoY
|
$4.9B
+7.3% YoY
|
69% |
| Return on Assets ? |
1.57%
+56.0% YoY
+9.1% QoQ
|
+0.24% |
1.32%
+10.8% YoY
|
1.26%
+17.2% YoY
|
1.30%
+12.1% YoY
|
69% |
| Net Interest Margin ? |
5.01%
+14.0% YoY
+3.1% QoQ
|
+1.02% |
3.99%
+5.0% YoY
|
4.00%
+6.8% YoY
|
3.95%
+4.9% YoY
|
Top 7.9% in tier |
| Efficiency Ratio ? |
64.01%
-10.3% YoY
-4.1% QoQ
|
-0.46% |
64.48%
-3.2% YoY
|
63.00%
-3.5% YoY
|
70.05%
+2.5% YoY
|
45% |
| Delinquency Rate ? |
0.47%
-21.5% YoY
-23.0% QoQ
|
-0.45% |
0.92%
+15.7% YoY
|
1.01%
+19.3% YoY
|
0.98%
+16.3% YoY
|
47% |
| Loan-to-Deposit Ratio ? |
96.03%
+8.5% YoY
+6.8% QoQ
|
+18.08% |
77.95%
+1.0% YoY
|
78.29%
-0.6% YoY
|
79.03%
+2.3% YoY
|
Bottom 14.9% in tier |
| Non-Interest-Bearing Deposit Share ? |
27.03%
+2.5% YoY
-7.4% QoQ
|
+5.00% |
22.03%
-0.6% YoY
|
21.79%
+0.9% YoY
|
21.98%
-0.6% YoY
|
73% |
| Nonperforming Asset Ratio ? |
0.38%
-27.5% YoY
-18.4% QoQ
|
-0.29% |
0.67%
+16.4% YoY
|
0.76%
+16.9% YoY
|
0.69%
+15.8% YoY
|
46% |
| Tier 1 Capital Ratio ? |
10.75%
+5.1% YoY
+1.2% QoQ
|
-5.16% |
15.91%
+1.4% YoY
|
15.35%
-0.4% YoY
|
17.09%
+0.8% YoY
|
20% |
| Non-Interest Income / Assets ? |
0.23%
-3.6% YoY
+130.4% QoQ
|
-0.33% |
0.57%
+7.6% YoY
|
0.31%
+3.9% YoY
|
0.66%
+5.2% YoY
|
60% |
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 |
27.0%
+0.6pp YoY -2.2pp QoQ |
+4.9pp | 22.1% | 21.9% | 22.2% | 73% |
| 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 |
8.1%
-2.7pp YoY +0.1pp QoQ |
-3.4pp | 11.6% | 14.6% | 12.5% | 42% |
| CRE |
48.3%
+3.3pp YoY +0.6pp QoQ |
+8.7pp | 39.5% | 36.5% | 41.4% | 68% |
| 1-4 Family |
39.3%
+0.4pp YoY -0.6pp QoQ |
+6.7pp | 32.6% | 29.4% | 31.3% | 69% |
| Consumer |
2.8%
-0.1pp YoY -0.1pp QoQ |
-1.4pp | 4.1% | 4.5% | 5.0% | 57% |
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 |
10.8%
+0.5pp YoY +0.1pp QoQ |
-1.4pp | 12.2% | 11.0% | 12.6% | 45% |
| 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 |
115
+7 (+6.5%) YoY +3 (+2.7%) QoQ |
+56 | 58 | 55 | 482 | 91% |
| Assets per Employee ($) |
$4.1M
-4.7% YoY -4.3% QoQ |
-$3.4M | $7.5M | $8.6M | $8.8M | 5% |
| Branch Count |
12
0 YoY 0 QoQ |
+7 | 4 | 4 | 18 | 95% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
0.0pp YoY -0.1pp QoQ |
-0.3pp | 0.3% | 0.4% | 0.4% | 21% |
| Nonaccrual |
0.5%
-0.1pp YoY 0.0pp QoQ |
-0.5pp | 0.9% | 1.0% | 1.0% | 50% |
| Allowance Coverage |
2.79x
+17.6% YoY +25.7% QoQ |
-21.37x | 24.15x | 20.41x | 20.23x | 56% |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 0.1% | 0.2% | 0.2% | 10% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
14.8%
+4.4pp YoY +1.1pp QoQ |
+2.6pp | 12.2% | 13.1% | 11.6% | 67% |
| Cost of Funds (YTD) |
1.4%
-0.2pp YoY 0.0pp QoQ |
-0.4pp | 1.7% | 1.7% | 1.7% | 28% |
| Net Income ($, YTD) |
$3.7M
+59.0% YoY — QoQ |
+$1.1M | $2.6M | $4.5M | $40.4M | 77% |
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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 (1)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.