BlastPoint's Banking Scorecard
ESB Bank
Caledonia, MN
3 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 151 in MN.
- Deposits +12.0% year over year ($179.1M on the books).
- Delinquency rate 0.87%.
- Return on assets 1.54%.
- Efficiency ratio 53.02% vs a 64.48% peer average.
- Loan-to-deposit ratio 90.68% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
ESB Bank has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.22% above tier average
- + Efficiency Ratio 11.46% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 20.8% in tier
- - Non-Interest-Bearing Deposit Share 14.41% below tier average
- - Net Interest Margin 0.44% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$208.9M
+13.1% YoY
+5.4% QoQ
|
-$177.7M |
$386.6M
+1.2% YoY
|
$524.5M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
29% |
| Total Loans ? |
$162.4M
+5.4% YoY
+3.4% QoQ
|
-$95.9M |
$258.3M
+1.7% YoY
|
$300.2M
+7.3% YoY
|
$3.2B
+9.4% YoY
|
39% |
| Total Deposits ? |
$179.1M
+12.0% YoY
+6.2% QoQ
|
-$147.6M |
$326.7M
+0.7% YoY
|
$452.1M
+5.5% YoY
|
$4.9B
+7.3% YoY
|
29% |
| Return on Assets ? |
1.54%
+4.0% YoY
+1.2% QoQ
|
+0.22% |
1.32%
+10.8% YoY
|
1.26%
+17.2% YoY
|
1.30%
+12.1% YoY
|
68% |
| Net Interest Margin ? |
3.55%
+2.8% YoY
+1.4% QoQ
|
-0.44% |
3.99%
+5.0% YoY
|
4.00%
+6.8% YoY
|
3.95%
+4.9% YoY
|
30% |
| Efficiency Ratio ? |
53.02%
-1.4% YoY
-1.4% QoQ
|
-11.46% |
64.48%
-3.2% YoY
|
63.00%
-3.5% YoY
|
70.05%
+2.5% YoY
|
77% |
| Delinquency Rate ? |
0.87%
+707.0% YoY
-12.0% QoQ
|
-0.04% |
0.92%
+15.7% YoY
|
1.01%
+19.3% YoY
|
0.98%
+16.3% YoY
|
32% |
| Loan-to-Deposit Ratio ? |
90.68%
-5.8% YoY
-2.7% QoQ
|
+12.73% |
77.95%
+1.0% YoY
|
78.29%
-0.6% YoY
|
79.03%
+2.3% YoY
|
25% |
| Non-Interest-Bearing Deposit Share ? |
7.62%
-14.9% YoY
-8.0% QoQ
|
-14.41% |
22.03%
-0.6% YoY
|
21.79%
+0.9% YoY
|
21.98%
-0.6% YoY
|
Bottom 6.4% in tier |
| Nonperforming Asset Ratio ? |
0.91%
+160.9% YoY
-11.7% QoQ
|
+0.24% |
0.67%
+16.4% YoY
|
0.76%
+16.9% YoY
|
0.69%
+15.8% YoY
|
23% |
| Tier 1 Capital Ratio ? |
9.20%
-7.2% YoY
-3.4% QoQ
|
-6.71% |
15.91%
+1.4% YoY
|
15.35%
-0.4% YoY
|
17.09%
+0.8% YoY
|
Bottom 2.3% in tier |
| Non-Interest Income / Assets ? |
0.21%
-10.1% YoY
+68.0% QoQ
|
-0.36% |
0.57%
+7.6% YoY
|
0.31%
+3.9% YoY
|
0.66%
+5.2% YoY
|
53% |
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 |
7.6%
-1.3pp YoY -0.7pp QoQ |
-14.5pp | 22.1% | 21.9% | 22.2% | 6% |
| Brokered Deposits | n/a | n/a | 7.9% | 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 |
13.1%
-0.9pp YoY +0.1pp QoQ |
+1.6pp | 11.6% | 14.6% | 12.5% | 69% |
| CRE |
20.5%
-0.4pp YoY 0.0pp QoQ |
-19.0pp | 39.5% | 36.5% | 41.4% | 19% |
| 1-4 Family |
30.8%
+1.1pp YoY +0.5pp QoQ |
-1.9pp | 32.6% | 29.4% | 31.3% | 53% |
| Consumer |
4.0%
-0.8pp YoY -0.1pp QoQ |
-0.1pp | 4.1% | 4.5% | 5.0% | 70% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 16.5% | 19.7% | n/a |
| Leverage Ratio |
9.2%
-0.7pp YoY -0.3pp QoQ |
-3.0pp | 12.2% | 11.0% | 12.6% | 15% |
| Total Capital Ratio | n/a | n/a | 19.9% | 17.6% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
21
+1 (+5.0%) YoY 0 QoQ |
-38 | 58 | 55 | 482 | 12% |
| Assets per Employee ($) |
$9.9M
+7.7% YoY +5.4% QoQ |
+$2.4M | $7.5M | $8.6M | $8.8M | 85% |
| Branch Count |
3
0 YoY 0 QoQ |
-2 | 4 | 4 | 18 | 26% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
-0.9pp QoQ |
-0.3pp | 0.3% | 0.4% | 0.4% | 22% |
| Nonaccrual |
0.9%
+0.8pp YoY +0.8pp QoQ |
-0.1pp | 0.9% | 1.0% | 1.0% | 68% |
| Allowance Coverage |
1.26x
-86.9% YoY +12.9% QoQ |
-22.89x | 24.15x | 20.41x | 20.23x | 34% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.1% | 0.2% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
16.6%
+1.2pp YoY +0.4pp QoQ |
+4.4pp | 12.2% | 13.1% | 11.6% | 76% |
| Cost of Funds (YTD) |
2.7%
-0.2pp YoY 0.0pp QoQ |
+0.9pp | 1.7% | 1.7% | 1.7% | 93% |
| Net Income ($, YTD) |
$1.6M
+14.7% YoY — QoQ |
-$1.0M | $2.6M | $4.5M | $40.4M | 43% |
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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)
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.