BlastPoint's Banking Scorecard
Janesville State Bank
Designations: ✓ Community bank
Janesville, 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 536 banks in the under $100M peer group nationwide — 1 of 52 in MN.
- Deposits +14.2% year over year ($84.1M on the books).
- Delinquency rate 0.00%.
- Return on assets 1.54%.
- Efficiency ratio 53.76% vs a 119.40% peer average.
- Loan-to-deposit ratio 82.72% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Janesville State Bank has 4 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 1.48% below tier average
- + Nonperforming Asset Ratio 0.84% below tier average
- + ROA 0.54% above tier average
- + Efficiency Ratio 65.64% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.34% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$98.8M
+10.7% YoY
+4.6% QoQ
|
+$36.4M |
$62.4M
-0.0% YoY
|
$524.5M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
Top 0.7% in tier |
| Total Loans ? |
$69.6M
+0.7% YoY
-1.0% QoQ
|
+$34.7M |
$34.9M
-0.6% YoY
|
$300.2M
+7.3% YoY
|
$3.2B
+9.4% YoY
|
Top 6.0% in tier |
| Total Deposits ? |
$84.1M
+14.2% YoY
+5.8% QoQ
|
+$32.5M |
$51.6M
-0.2% YoY
|
$452.1M
+5.5% YoY
|
$4.9B
+7.3% YoY
|
Top 4.9% in tier |
| Return on Assets ? |
1.54%
+9.3% YoY
-3.8% QoQ
|
+0.54% |
1.00%
+3.5% YoY
|
1.26%
+17.2% YoY
|
1.30%
+12.1% YoY
|
76% |
| Net Interest Margin ? |
3.58%
+5.5% YoY
+1.1% QoQ
|
-0.34% |
3.91%
+2.3% YoY
|
4.00%
+6.8% YoY
|
3.95%
+4.9% YoY
|
32% |
| Efficiency Ratio ? |
53.76%
-4.8% YoY
-2.4% QoQ
|
-65.64% |
119.40%
+49.6% YoY
|
63.00%
-3.5% YoY
|
70.05%
+2.5% YoY
|
Top 14.7% in tier |
| Delinquency Rate ? | 0.00% | -1.48% |
1.48%
+31.8% YoY
|
1.01%
+19.3% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
82.72%
-11.8% YoY
-6.4% QoQ
|
+8.51% |
74.21%
+12.6% YoY
|
78.29%
-0.6% YoY
|
79.03%
+2.3% YoY
|
26% |
| Non-Interest-Bearing Deposit Share ? |
22.71%
-2.6% YoY
-7.4% QoQ
|
-0.78% |
23.49%
+0.6% YoY
|
21.79%
+0.9% YoY
|
21.98%
-0.6% YoY
|
48% |
| Nonperforming Asset Ratio ? | 0.00% | -0.84% |
0.84%
+23.0% YoY
|
0.76%
+16.9% YoY
|
0.69%
+15.8% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
11.44%
-7.9% YoY
-1.9% QoQ
|
-15.68% |
27.13%
+3.0% YoY
|
15.35%
-0.4% YoY
|
17.09%
+0.8% YoY
|
17% |
| Non-Interest Income / Assets ? |
0.12%
-2.6% YoY
+89.7% QoQ
|
-1.26% |
1.38%
+6.3% YoY
|
0.31%
+3.9% YoY
|
0.66%
+5.2% YoY
|
50% |
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 |
22.7%
-0.6pp YoY -1.8pp QoQ |
-1.9pp | 24.6% | 21.9% | 22.2% | 45% |
| Brokered Deposits | n/a | n/a | 9.8% | 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 |
6.7%
+1.3pp YoY +0.1pp QoQ |
-6.7pp | 13.4% | 14.6% | 12.5% | 32% |
| CRE | n/a | n/a | 25.2% | 36.5% | 41.4% | n/a |
| 1-4 Family |
30.1%
+0.1pp YoY +0.8pp QoQ |
-4.8pp | 35.0% | 29.4% | 31.3% | 49% |
| Consumer |
3.9%
+0.1pp YoY +0.3pp QoQ |
-3.8pp | 7.7% | 4.5% | 5.0% | 42% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 16.5% | 19.7% | n/a |
| Leverage Ratio |
11.4%
-1.0pp YoY -0.2pp QoQ |
-6.3pp | 17.7% | 11.0% | 12.6% | 34% |
| Total Capital Ratio | n/a | n/a | 39.7% | 17.6% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
11
+1 (+10.0%) YoY 0 QoQ |
-1 | 12 | 55 | 482 | 50% |
| Assets per Employee ($) |
$9.0M
+0.7% YoY +4.6% QoQ |
+$2.8M | $6.2M | $8.6M | $8.8M | 88% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 4 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.4% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 1.7% | 1.0% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 6.41x | 20.41x | 20.23x | n/a |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.2% | 0.2% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
13.8%
+1.2pp YoY -0.4pp QoQ |
+7.4pp | 6.4% | 13.1% | 11.6% | 80% |
| Cost of Funds (YTD) |
1.7%
0.0pp YoY 0.0pp QoQ |
+0.3pp | 1.4% | 1.7% | 1.7% | 71% |
| Net Income ($, YTD) |
$740,000
+18.6% YoY — QoQ |
+$422K | $317,817 | $4.5M | $40.4M | 89% |
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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.