BlastPoint's Banking Scorecard
First State Bank of Bigfork
Bigfork, MN
2 branches across MN
First State Bank of Bigfork has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.41% above tier average
- + Efficiency Ratio 1.38% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 43.8% in tier
- - Delinquency Rate 6.36% above tier average
- - Nonperforming Asset Ratio 4.27% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$118.2M
+5.9% YoY
+3.9% QoQ
|
-$267.9M |
$386.1M
+0.5% YoY
|
$512.9M
+5.5% YoY
|
$6.2B
+9.1% YoY
|
Bottom 5.3% in tier |
| Total Loans ? |
$79.2M
-3.3% YoY
-2.3% QoQ
|
-$176.5M |
$255.7M
+1.1% YoY
|
$288.3M
+6.9% YoY
|
$3.2B
+10.8% YoY
|
Bottom 10.9% in tier |
| Total Deposits ? |
$102.2M
+6.7% YoY
+4.5% QoQ
|
-$225.8M |
$328.0M
+0.1% YoY
|
$443.8M
+5.0% YoY
|
$4.8B
+8.2% YoY
|
Bottom 6.4% in tier |
| Return on Assets ? |
1.22%
+109.9% YoY
+84.4% QoQ
|
-0.05% |
1.27%
+12.9% YoY
|
1.13%
+10.7% YoY
|
1.23%
+13.4% YoY
|
51% |
| Net Interest Margin ? |
4.34%
+11.3% YoY
+13.6% QoQ
|
+0.41% |
3.93%
+6.0% YoY
|
3.93%
+7.5% YoY
|
3.89%
+5.7% YoY
|
75% |
| Efficiency Ratio ? |
63.91%
-13.0% YoY
-10.4% QoQ
|
-1.38% |
65.29%
-4.5% YoY
|
64.77%
-3.3% YoY
|
66.95%
-4.1% YoY
|
48% |
| Delinquency Rate ? |
7.24%
+41.5% YoY
+7.2% QoQ
|
+6.36% |
0.89%
+18.8% YoY
|
1.04%
+28.9% YoY
|
0.95%
+18.8% YoY
|
Bottom 0.6% in tier |
| Loan-to-Deposit Ratio ? |
77.51%
-9.4% YoY
-6.5% QoQ
|
+0.87% |
76.64%
+0.8% YoY
|
76.69%
-0.4% YoY
|
76.70%
+0.9% YoY
|
52% |
| Non-Interest-Bearing Deposit Share ? |
18.52%
-5.0% YoY
+10.4% QoQ
|
-3.50% |
22.02%
-1.0% YoY
|
21.87%
-0.9% YoY
|
22.01%
-1.2% YoY
|
38% |
| Nonperforming Asset Ratio ? |
4.90%
+26.6% YoY
-0.0% QoQ
|
+4.27% |
0.64%
+19.7% YoY
|
0.77%
+27.1% YoY
|
0.67%
+19.3% YoY
|
Bottom 0.9% in tier |
| Tier 1 Capital Ratio ? |
18.99%
+9.4% YoY
+3.0% QoQ
|
+3.16% |
15.83%
+1.5% YoY
|
15.37%
+0.7% YoY
|
17.06%
+0.8% YoY
|
84% |
| Non-Interest Income / Assets ? |
0.08%
+50.7% YoY
-76.5% QoQ
|
-0.20% |
0.28%
+9.3% YoY
|
0.16%
+5.0% YoY
|
0.32%
+4.1% YoY
|
37% |
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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 Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.