BlastPoint's Banking Scorecard
Peoples State Bank of Plainview
Plainview, MN
6 branches across MN · WI
Peoples State Bank of Plainview has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 44.7% in tier
- + Efficiency Ratio 12.45% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.28% below tier average
- - Delinquency Rate 0.14% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$406.5M
+4.6% YoY
-1.0% QoQ
|
+$20.4M |
$386.1M
+0.5% YoY
|
$512.9M
+5.5% YoY
|
$6.2B
+9.1% YoY
|
62% |
| Total Loans ? |
$284.2M
+10.8% YoY
+4.9% QoQ
|
+$28.5M |
$255.7M
+1.1% YoY
|
$288.3M
+6.9% YoY
|
$3.2B
+10.8% YoY
|
65% |
| Total Deposits ? |
$370.6M
+5.7% YoY
-0.3% QoQ
|
+$42.6M |
$328.0M
+0.1% YoY
|
$443.8M
+5.0% YoY
|
$4.8B
+8.2% YoY
|
66% |
| Return on Assets ? |
1.66%
+43.6% YoY
+19.6% QoQ
|
+0.39% |
1.27%
+12.9% YoY
|
1.13%
+10.7% YoY
|
1.23%
+13.4% YoY
|
76% |
| Net Interest Margin ? |
3.65%
+17.8% YoY
+5.8% QoQ
|
-0.28% |
3.93%
+6.0% YoY
|
3.93%
+7.5% YoY
|
3.89%
+5.7% YoY
|
38% |
| Efficiency Ratio ? |
52.83%
-13.4% YoY
-7.0% QoQ
|
-12.45% |
65.29%
-4.5% YoY
|
64.77%
-3.3% YoY
|
66.95%
-4.1% YoY
|
79% |
| Delinquency Rate ? |
1.03%
+466.6% YoY
+526.6% QoQ
|
+0.14% |
0.89%
+18.8% YoY
|
1.04%
+28.9% YoY
|
0.95%
+18.8% YoY
|
28% |
| Loan-to-Deposit Ratio ? |
76.68%
+4.8% YoY
+5.3% QoQ
|
+0.04% |
76.64%
+0.8% YoY
|
76.69%
-0.4% YoY
|
76.70%
+0.9% YoY
|
53% |
| Non-Interest-Bearing Deposit Share ? |
17.53%
-0.9% YoY
-1.1% QoQ
|
-4.49% |
22.02%
-1.0% YoY
|
21.87%
-0.9% YoY
|
22.01%
-1.2% YoY
|
34% |
| Nonperforming Asset Ratio ? |
0.72%
+500.2% YoY
+563.9% QoQ
|
+0.08% |
0.64%
+19.7% YoY
|
0.77%
+27.1% YoY
|
0.67%
+19.3% YoY
|
29% |
| Tier 1 Capital Ratio ? |
12.95%
-0.3% YoY
-3.4% QoQ
|
-2.88% |
15.83%
+1.5% YoY
|
15.37%
+0.7% YoY
|
17.06%
+0.8% YoY
|
47% |
| Non-Interest Income / Assets ? |
0.12%
-3.8% YoY
-75.8% QoQ
|
-0.16% |
0.28%
+9.3% YoY
|
0.16%
+5.0% YoY
|
0.32%
+4.1% YoY
|
63% |
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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 (1)
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.