BlastPoint's Banking Scorecard

Randall State Bank

under $100M Specialty: Commercial MN FDIC cert 10969

Designations: ✓ Community bank

Randall, MN

2 branches across MN

541 banks in the under $100M peer group nationally 55 in MN

Randall State Bank has 3 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Net Interest Margin 2.11% above tier average
+ ROA 0.97% above tier average
+ Efficiency Ratio 25.23% below tier average

Key Concerns

Areas that may need attention

- Nonperforming Asset Ratio 1.69% above tier average
- Non-Interest Income / Assets 0.65% below tier average
- Delinquency Rate 1.83% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Total Assets ?	$74.8M +24.2% YoY +5.4% QoQ	+$12.7M	$62.2M -0.6% YoY	$512.9M +5.5% YoY	$6.2B +9.1% YoY	64%
Total Loans ?	$57.8M +21.6% YoY +5.9% QoQ	+$23.5M	$34.2M -1.4% YoY	$288.3M +6.9% YoY	$3.2B +10.8% YoY	Top 13.9% in tier
Total Deposits ?	$62.2M +14.8% YoY +5.9% QoQ	+$10.4M	$51.7M -0.7% YoY	$443.8M +5.0% YoY	$4.8B +8.2% YoY	62%
Return on Assets ?	1.80% +49.5% YoY +434.0% QoQ	+0.97%	0.84% -2.3% YoY	1.13% +10.7% YoY	1.23% +13.4% YoY	Top 13.7% in tier
Net Interest Margin ?	5.97% +4.8% YoY +251.7% QoQ	+2.11%	3.86% +2.8% YoY	3.93% +7.5% YoY	3.89% +5.7% YoY	Top 1.8% in tier
Efficiency Ratio ?	63.11% -1.7% YoY +12.9% QoQ	-25.23%	88.34% +0.3% YoY	64.77% -3.3% YoY	66.95% -4.1% YoY	69%
Delinquency Rate ?	3.20% +297.6% YoY +28.0% QoQ	+1.83%	1.37% +33.8% YoY	1.04% +28.9% YoY	0.95% +18.8% YoY	Bottom 11.5% in tier
Loan-to-Deposit Ratio ?	92.92% +5.9% YoY -0.1% QoQ	+28.70%	64.22% -0.7% YoY	76.69% -0.4% YoY	76.70% +0.9% YoY	Bottom 13.1% in tier
Non-Interest-Bearing Deposit Share ?	27.15% -10.5% YoY +4.6% QoQ	+3.43%	23.71% +0.3% YoY	21.87% -0.9% YoY	22.01% -1.2% YoY	64%
Nonperforming Asset Ratio ?	2.47% +263.6% YoY +28.6% QoQ	+1.69%	0.79% +28.2% YoY	0.77% +27.1% YoY	0.67% +19.3% YoY	Bottom 7.4% in tier
Tier 1 Capital Ratio ?	10.34% +0.9% YoY +0.0% QoQ	-16.35%	26.68% +2.0% YoY	15.37% +0.7% YoY	17.06% +0.8% YoY	Bottom 8.7% in tier
Non-Interest Income / Assets ?	0.01% +101.3% YoY -47.3% QoQ	-0.65%	0.67% +1.9% YoY	0.16% +5.0% YoY	0.32% +4.1% YoY	Bottom 8.3% in tier

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 541 peers in under $100M

Top Strengths (3 metrics)

Net Interest Margin

profitability

Value: 5.97%

Peer Median: 3.86%

#11 of 541 Top 1.8% in under $100M

Return on Assets

profitability

Value: 1.80%

Peer Median: 0.84%

#75 of 541 Top 13.7% in under $100M

Total Loans

size

Value: $57.76M

Peer Median: $34.25M

#76 of 541 Top 13.9% in under $100M

Top Weaknesses (5 metrics)

502

Nonperforming Asset Ratio

credit_quality

Value: 2.47%

Peer Median: 0.79%

#502 of 541 Bottom 7.4% in under $100M

497

Non-Interest Income / Assets

revenue_mix

Value: 0.01%

Peer Median: 0.67%

#497 of 541 Bottom 8.3% in under $100M

495

Tier 1 Capital Ratio

capital

Value: 10.34%

Peer Median: 26.68%

#495 of 541 Bottom 8.7% in under $100M

462

Delinquency Rate

credit_quality

Value: 3.20%

Peer Median: 1.37%

#462 of 521 Bottom 11.5% in under $100M

471

Loan-to-Deposit Ratio

liquidity

Value: 92.92%

Peer Median: 64.22%

#471 of 541 Bottom 13.1% in under $100M