BlastPoint's Banking Scorecard

First State Bank of Bigfork

$100M-$1B Specialty: Other MN FDIC cert 10991

Bigfork, 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 151 in MN.
Deposits +7.5% year over year ($101.3M on the books).
Delinquency rate 6.48%.
Return on assets 1.10%.
Efficiency ratio 65.54% vs a 64.48% peer average.
Loan-to-deposit ratio 78.80% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 151 in MN

View $100M-$1B leaderboard (MN) →

First State Bank of Bigfork has 1 strength but faces 5 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 0.21% above tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 42.9% in tier
- Delinquency Rate 5.56% above tier average
- Nonperforming Asset Ratio 3.89% above tier average
- ROA 0.23% below tier average
- Efficiency Ratio 1.06% above tier average

Get updates when First State Bank of Bigfork releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Total Assets ?	$117.4M +6.7% YoY -0.6% QoQ	-$269.2M	$386.6M +1.2% YoY	$524.5M +5.8% YoY	$6.3B +7.7% YoY	Bottom 4.9% in tier
Total Loans ?	$79.8M -2.5% YoY +0.8% QoQ	-$178.5M	$258.3M +1.7% YoY	$300.2M +7.3% YoY	$3.2B +9.4% YoY	Bottom 10.3% in tier
Total Deposits ?	$101.3M +7.5% YoY -0.9% QoQ	-$225.5M	$326.7M +0.7% YoY	$452.1M +5.5% YoY	$4.9B +7.3% YoY	Bottom 5.8% in tier
Return on Assets ?	1.10% +50.3% YoY -10.3% QoQ	-0.23%	1.32% +10.8% YoY	1.26% +17.2% YoY	1.30% +12.1% YoY	40%
Net Interest Margin ?	4.20% +7.3% YoY -3.4% QoQ	+0.21%	3.99% +5.0% YoY	4.00% +6.8% YoY	3.95% +4.9% YoY	65%
Efficiency Ratio ?	65.54% -5.9% YoY +2.5% QoQ	+1.06%	64.48% -3.2% YoY	63.00% -3.5% YoY	70.05% +2.5% YoY	41%
Delinquency Rate ?	6.48% +9.9% YoY -10.5% QoQ	+5.56%	0.92% +15.7% YoY	1.01% +19.3% YoY	0.98% +16.3% YoY	Bottom 1.1% in tier
Loan-to-Deposit Ratio ?	78.80% -9.3% YoY +1.7% QoQ	+0.84%	77.95% +1.0% YoY	78.29% -0.6% YoY	79.03% +2.3% YoY	52%
Non-Interest-Bearing Deposit Share ?	16.89% -2.4% YoY -8.8% QoQ	-5.14%	22.03% -0.6% YoY	21.79% +0.9% YoY	21.98% -0.6% YoY	32%
Nonperforming Asset Ratio ?	4.56% +1.2% YoY -6.9% QoQ	+3.89%	0.67% +16.4% YoY	0.76% +16.9% YoY	0.69% +15.8% YoY	Bottom 1.3% in tier
Tier 1 Capital Ratio ?	19.22% +10.1% YoY +1.2% QoQ	+3.31%	15.91% +1.4% YoY	15.35% -0.4% YoY	17.09% +0.8% YoY	84%
Non-Interest Income / Assets ?	0.13% +26.3% YoY +67.0% QoQ	-0.44%	0.57% +7.6% YoY	0.31% +3.9% YoY	0.66% +5.2% YoY	28%

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	16.9% -0.4pp YoY -1.6pp QoQ	-5.3pp	22.1%	21.9%	22.2%	32%
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	12.0% -1.0pp YoY -0.5pp QoQ	+0.5pp	11.6%	14.6%	12.5%	64%
CRE	n/a	n/a	39.5%	36.5%	41.4%	n/a
1-4 Family	49.1% +5.0pp YoY -0.1pp QoQ	+16.4pp	32.6%	29.4%	31.3%	81%
Consumer	8.6% -1.5pp YoY 0.0pp QoQ	+4.5pp	4.1%	4.5%	5.0%	90%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
CET1 Ratio	19.2% +1.8pp YoY +0.2pp QoQ	+0.4pp	18.8%	16.5%	19.7%	75%
Leverage Ratio	11.3% -0.1pp YoY +0.1pp QoQ	-0.8pp	12.2%	11.0%	12.6%	56%
Total Capital Ratio	20.5% +1.8pp YoY +0.2pp QoQ	+0.5pp	19.9%	17.6%	20.8%	75%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Full-Time Employees	22 +1 (+4.8%) YoY +1 (+4.8%) QoQ	-37	58	55	482	14%
Assets per Employee ($)	$5.3M +1.9% YoY -5.2% QoQ	-$2.2M	$7.5M	$8.6M	$8.8M	20%
Branch Count	2 0 YoY 0 QoQ	-3	4	4	18	11%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Past Due 90+ Days	0.4% -0.9pp YoY -0.3pp QoQ	+0.1pp	0.3%	0.4%	0.4%	80%
Nonaccrual	6.0% +1.5pp YoY -0.4pp QoQ	+5.1pp	0.9%	1.0%	1.0%	99%
Allowance Coverage	0.22x +9.4% YoY +10.9% QoQ	-23.93x	24.15x	20.41x	20.23x	2%
Net Charge-off Rate (YTD)	-0.1% -0.5pp YoY +0.2pp QoQ	-0.2pp	0.1%	0.2%	0.2%	3%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
ROE	9.8% +3.3pp YoY -1.2pp QoQ	-2.4pp	12.2%	13.1%	11.6%	36%
Cost of Funds (YTD)	2.0% 0.0pp YoY 0.0pp QoQ	+0.3pp	1.7%	1.7%	1.7%	72%
Net Income ($, YTD)	$638,000 +59.1% YoY — QoQ	-$1.9M	$2.6M	$4.5M	$40.4M	14%

Get Full Access to First State Bank of Bigfork

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

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

Want to see an example first? Preview JPMorgan Chase's scorecard →

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 (1)

Liquidity Overhang

risk

#319 of 742 • Bottom 42.9% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 19.22%

(Tier: 15.91%, National: 17.09%)

better than tier avg

Loan-to-Deposit Ratio: 78.80%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

742 of 742 Community banks match · 940 nationally

→ Stable +7 banks QoQ | QoQ rank improving

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 2643 peers in $100M-$1B

Top Strengths (1 metrics)

411

Tier 1 Capital Ratio

capital

Value: 19.22%

Peer Median: 15.91%

#411 of 2643 Top 15.5% in $100M-$1B

Top Weaknesses (5 metrics)

2604

Delinquency Rate

credit_quality

Value: 6.48%

Peer Median: 0.92%

#2604 of 2633 Bottom 1.1% in $100M-$1B

2609

Nonperforming Asset Ratio

credit_quality

Value: 4.56%

Peer Median: 0.67%

#2609 of 2643 Bottom 1.3% in $100M-$1B

2515

Total Assets

size

Value: $117.39M

Peer Median: $386.57M

#2515 of 2643 Bottom 4.9% in $100M-$1B

2491

Total Deposits

size

Value: $101.28M

Peer Median: $326.73M

#2491 of 2643 Bottom 5.8% in $100M-$1B

2371

Total Loans

size

Value: $79.81M

Peer Median: $258.35M

#2371 of 2643 Bottom 10.3% in $100M-$1B