BlastPoint's Banking Scorecard
Randall State Bank
Designations: ✓ Community bank
Randall, MN
2 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 536 banks in the under $100M peer group nationwide — 1 of 52 in MN.
- Deposits +18.7% year over year ($63.2M on the books).
- Delinquency rate 2.33%.
- Return on assets 1.50%.
- Efficiency ratio 62.37% vs a 119.40% peer average.
- Loan-to-deposit ratio 96.58% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Randall State Bank has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 2.13% above tier average
- + ROA 0.51% above tier average
- + Efficiency Ratio 57.02% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 0.85% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$76.4M
+28.1% YoY
+2.1% QoQ
|
+$13.9M |
$62.4M
-0.0% YoY
|
$524.5M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
65% |
| Total Loans ? |
$61.1M
+27.8% YoY
+5.8% QoQ
|
+$26.2M |
$34.9M
-0.6% YoY
|
$300.2M
+7.3% YoY
|
$3.2B
+9.4% YoY
|
Top 12.9% in tier |
| Total Deposits ? |
$63.2M
+18.7% YoY
+1.7% QoQ
|
+$11.6M |
$51.6M
-0.2% YoY
|
$452.1M
+5.5% YoY
|
$4.9B
+7.3% YoY
|
64% |
| Return on Assets ? |
1.50%
+40.5% YoY
-16.7% QoQ
|
+0.51% |
1.00%
+3.5% YoY
|
1.26%
+17.2% YoY
|
1.30%
+12.1% YoY
|
75% |
| Net Interest Margin ? |
6.04%
+6.9% YoY
+1.1% QoQ
|
+2.13% |
3.91%
+2.3% YoY
|
4.00%
+6.8% YoY
|
3.95%
+4.9% YoY
|
Top 2.1% in tier |
| Efficiency Ratio ? |
62.37%
-7.4% YoY
-1.2% QoQ
|
-57.02% |
119.40%
+49.6% YoY
|
63.00%
-3.5% YoY
|
70.05%
+2.5% YoY
|
69% |
| Delinquency Rate ? |
2.33%
-9.4% YoY
-27.4% QoQ
|
+0.85% |
1.48%
+31.8% YoY
|
1.01%
+19.3% YoY
|
0.98%
+16.3% YoY
|
18% |
| Loan-to-Deposit Ratio ? |
96.58%
+7.7% YoY
+3.9% QoQ
|
+22.37% |
74.21%
+12.6% YoY
|
78.29%
-0.6% YoY
|
79.03%
+2.3% YoY
|
Bottom 12.3% in tier |
| Non-Interest-Bearing Deposit Share ? |
26.71%
+0.3% YoY
-1.6% QoQ
|
+3.22% |
23.49%
+0.6% YoY
|
21.79%
+0.9% YoY
|
21.98%
-0.6% YoY
|
64% |
| Nonperforming Asset Ratio ? |
1.86%
-11.6% YoY
-24.7% QoQ
|
+1.03% |
0.84%
+23.0% YoY
|
0.76%
+16.9% YoY
|
0.69%
+15.8% YoY
|
Bottom 12.1% in tier |
| Tier 1 Capital Ratio ? |
10.73%
+2.9% YoY
+3.8% QoQ
|
-16.40% |
27.13%
+3.0% YoY
|
15.35%
-0.4% YoY
|
17.09%
+0.8% YoY
|
Bottom 11.0% in tier |
| Non-Interest Income / Assets ? |
0.03%
+39.4% YoY
+145.0% QoQ
|
-1.35% |
1.38%
+6.3% YoY
|
0.31%
+3.9% YoY
|
0.66%
+5.2% YoY
|
Bottom 10.8% 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 |
26.7%
+0.1pp YoY -0.4pp QoQ |
+2.1pp | 24.6% | 21.9% | 22.2% | 62% |
| 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 |
4.3%
-1.3pp YoY -0.8pp QoQ |
-9.1pp | 13.4% | 14.6% | 12.5% | 16% |
| CRE |
35.6%
+0.6pp QoQ |
+10.4pp | 25.2% | 36.5% | 41.4% | 73% |
| 1-4 Family |
53.4%
-4.8pp YoY +0.9pp QoQ |
+18.4pp | 35.0% | 29.4% | 31.3% | 75% |
| Consumer |
3.2%
-0.5pp YoY 0.0pp QoQ |
-4.4pp | 7.7% | 4.5% | 5.0% | 34% |
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 |
10.7%
+0.3pp YoY +0.4pp QoQ |
-7.0pp | 17.7% | 11.0% | 12.6% | 26% |
| 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 |
15
0 YoY 0 QoQ |
+3 | 12 | 55 | 482 | 73% |
| Assets per Employee ($) |
$5.1M
+28.1% YoY +2.1% QoQ |
-$1.1M | $6.2M | $8.6M | $8.8M | 37% |
| Branch Count |
2
0 YoY 0 QoQ |
+0 | 1 | 4 | 18 | 63% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.4% | 0.4% | n/a |
| Nonaccrual |
2.3%
+0.2pp YoY -0.1pp QoQ |
+0.6pp | 1.7% | 1.0% | 1.0% | 79% |
| Allowance Coverage |
0.45x
+0.2% YoY +13.6% QoQ |
-5.96x | 6.41x | 20.41x | 20.23x | 17% |
| Net Charge-off Rate (YTD) |
0.8%
+0.7pp YoY +0.8pp QoQ |
+0.6pp | 0.2% | 0.2% | 0.2% | 94% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
8.9%
-1.6pp YoY -1.8pp QoQ |
+2.5pp | 6.4% | 13.1% | 11.6% | 55% |
| Cost of Funds (YTD) |
1.5%
+0.1pp YoY 0.0pp QoQ |
+0.1pp | 1.4% | 1.7% | 1.7% | 59% |
| Net Income ($, YTD) |
$557,000
+75.2% YoY — QoQ |
+$239K | $317,817 | $4.5M | $40.4M | 80% |
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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.