BlastPoint's Banking Scorecard

Root River State Bank

under $100M Specialty: Agricultural MN FDIC cert 1098

Designations: ✓ Community bank

Chatfield, MN

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

Root River State Bank has 2 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

+ Delinquency Rate 1.37% below tier average
+ Nonperforming Asset Ratio 0.79% below tier average

Key Concerns

Areas that may need attention

- Net Interest Margin 1.75% below tier average
- ROA 0.84% below tier average
- Efficiency Ratio 15.12% above tier average

Get updates when Root River State Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Total Assets ?	$88.0M +7.3% YoY +2.5% QoQ	+$25.9M	$62.2M -0.6% YoY	$512.9M +5.5% YoY	$6.2B +9.1% YoY	84%
Total Loans ?	$26.6M -11.3% YoY -6.1% QoQ	-$7.6M	$34.2M -1.4% YoY	$288.3M +6.9% YoY	$3.2B +10.8% YoY	39%
Total Deposits ?	$81.6M +6.8% YoY +2.8% QoQ	+$29.9M	$51.7M -0.7% YoY	$443.8M +5.0% YoY	$4.8B +8.2% YoY	Top 6.5% in tier
Return on Assets ?	0.00% -100.0% YoY -100.0% QoQ	-0.84%	0.84% -2.3% YoY	1.13% +10.7% YoY	1.23% +13.4% YoY	16%
Net Interest Margin ?	2.11% -0.2% YoY -1.7% QoQ	-1.75%	3.86% +2.8% YoY	3.93% +7.5% YoY	3.89% +5.7% YoY	Bottom 3.9% in tier
Efficiency Ratio ?	103.46% +0.5% YoY +4.7% QoQ	+15.12%	88.34% +0.3% YoY	64.77% -3.3% YoY	66.95% -4.1% YoY	Bottom 12.8% in tier
Delinquency Rate ?	0.00%	-1.37%	1.37% +33.8% YoY	1.04% +28.9% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	32.63% -17.0% YoY -8.6% QoQ	-31.59%	64.22% -0.7% YoY	76.69% -0.4% YoY	76.70% +0.9% YoY	Top 10.9% in tier
Non-Interest-Bearing Deposit Share ?	10.10% -2.0% YoY +3.3% QoQ	-13.61%	23.71% +0.3% YoY	21.87% -0.9% YoY	22.01% -1.2% YoY	15%
Nonperforming Asset Ratio ?	0.00%	-0.79%	0.79% +28.2% YoY	0.77% +27.1% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	19.98% +2.6% YoY +1.7% QoQ	-6.71%	26.68% +2.0% YoY	15.37% +0.7% YoY	17.06% +0.8% YoY	69%
Non-Interest Income / Assets ?	0.04% -6.8% YoY -75.8% QoQ	-0.62%	0.67% +1.9% YoY	0.16% +5.0% YoY	0.32% +4.1% YoY	34%

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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 (5 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 1.37%

#1 of 521 Top 0.1% in under $100M

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.79%

#1 of 541 Top 0.1% in under $100M

Total Deposits

size

Value: $81.62M

Peer Median: $51.74M

#36 of 541 Top 6.5% in under $100M

Loan-to-Deposit Ratio

liquidity

Value: 32.63%

Peer Median: 64.22%

#60 of 541 Top 10.9% in under $100M

Total Assets

size

Value: $88.02M

Peer Median: $62.16M

#90 of 541 Top 16.5% in under $100M

Top Weaknesses (4 metrics)

521

Net Interest Margin

profitability

Value: 2.11%

Peer Median: 3.86%

#521 of 541 Bottom 3.9% in under $100M

473

Efficiency Ratio

profitability

Value: 103.46%

Peer Median: 88.34%

#473 of 541 Bottom 12.8% in under $100M

460

Non-Interest-Bearing Deposit Share

funding

Value: 10.10%

Peer Median: 23.71%

#460 of 541 Bottom 15.2% in under $100M

458

Return on Assets

profitability

Value: 0.00%

Peer Median: 0.84%

#458 of 541 Bottom 15.5% in under $100M