BlastPoint's Banking Scorecard
Northview Bank
Sandstone, MN
12 branches across MN
Northview Bank has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.93% above tier average
- + ROA 0.17% above tier average
- + Delinquency Rate 0.28% below tier average
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 39.5% in tier
- - Efficiency Ratio 1.49% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$477.8M
+3.2% YoY
+1.7% QoQ
|
+$91.7M |
$386.1M
+0.5% YoY
|
$512.9M
+5.5% YoY
|
$6.2B
+9.1% YoY
|
70% |
| Total Loans ? |
$361.7M
+8.2% YoY
+2.8% QoQ
|
+$106.0M |
$255.7M
+1.1% YoY
|
$288.3M
+6.9% YoY
|
$3.2B
+10.8% YoY
|
76% |
| Total Deposits ? |
$402.1M
+4.5% YoY
+2.7% QoQ
|
+$74.1M |
$328.0M
+0.1% YoY
|
$443.8M
+5.0% YoY
|
$4.8B
+8.2% YoY
|
70% |
| Return on Assets ? |
1.43%
+38.7% YoY
-1.6% QoQ
|
+0.17% |
1.27%
+12.9% YoY
|
1.13%
+10.7% YoY
|
1.23%
+13.4% YoY
|
64% |
| Net Interest Margin ? |
4.86%
+14.8% YoY
+2.6% QoQ
|
+0.93% |
3.93%
+6.0% YoY
|
3.93%
+7.5% YoY
|
3.89%
+5.7% YoY
|
Top 9.5% in tier |
| Efficiency Ratio ? |
66.77%
-12.3% YoY
+0.6% QoQ
|
+1.49% |
65.29%
-4.5% YoY
|
64.77%
-3.3% YoY
|
66.95%
-4.1% YoY
|
40% |
| Delinquency Rate ? |
0.61%
-8.0% YoY
-11.0% QoQ
|
-0.28% |
0.89%
+18.8% YoY
|
1.04%
+28.9% YoY
|
0.95%
+18.8% YoY
|
40% |
| Loan-to-Deposit Ratio ? |
89.96%
+3.6% YoY
+0.1% QoQ
|
+13.32% |
76.64%
+0.8% YoY
|
76.69%
-0.4% YoY
|
76.70%
+0.9% YoY
|
24% |
| Non-Interest-Bearing Deposit Share ? |
29.20%
+14.0% YoY
+7.9% QoQ
|
+7.18% |
22.02%
-1.0% YoY
|
21.87%
-0.9% YoY
|
22.01%
-1.2% YoY
|
80% |
| Nonperforming Asset Ratio ? |
0.46%
-17.3% YoY
-9.9% QoQ
|
-0.18% |
0.64%
+19.7% YoY
|
0.77%
+27.1% YoY
|
0.67%
+19.3% YoY
|
40% |
| Tier 1 Capital Ratio ? |
10.63%
+6.9% YoY
+0.3% QoQ
|
-5.20% |
15.83%
+1.5% YoY
|
15.37%
+0.7% YoY
|
17.06%
+0.8% YoY
|
18% |
| Non-Interest Income / Assets ? |
0.10%
-0.6% YoY
-77.7% QoQ
|
-0.18% |
0.28%
+9.3% YoY
|
0.16%
+5.0% YoY
|
0.32%
+4.1% YoY
|
53% |
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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.