BlastPoint's Banking Scorecard

Rushford State Bank (Incorporated)

$100M-$1B Specialty: Agricultural MN FDIC cert 11411

Rushford, 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 +6.1% year over year ($104.8M on the books).
Delinquency rate 0.94%.
Return on assets 0.40%.
Efficiency ratio 4.18% vs a 64.48% peer average.
Loan-to-deposit ratio 55.24% 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) →

Rushford State Bank (Incorporated) has 1 strength but faces 4 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

+ Efficiency Ratio 60.29% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 39.7% in tier
- Return on Assets 0.92% below tier average
- Net Interest Margin 3.56% below tier average
- Non-Interest Income / Assets 0.56% below tier average

Get updates when Rushford State Bank (Incorporated) releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Total Assets ?	$114.7M +8.6% YoY +0.1% QoQ	-$271.8M	$386.6M +1.2% YoY	$524.5M +5.8% YoY	$6.3B +7.7% YoY	Bottom 4.2% in tier
Total Loans ?	$57.9M -4.0% YoY -0.2% QoQ	-$200.5M	$258.3M +1.7% YoY	$300.2M +7.3% YoY	$3.2B +9.4% YoY	Bottom 4.2% in tier
Total Deposits ?	$104.8M +6.1% YoY -2.1% QoQ	-$222.0M	$326.7M +0.7% YoY	$452.1M +5.5% YoY	$4.9B +7.3% YoY	Bottom 6.9% in tier
Return on Assets ?	0.40% -63.5% YoY -56.8% QoQ	-0.92%	1.32% +10.8% YoY	1.26% +17.2% YoY	1.30% +12.1% YoY	Bottom 9.9% in tier
Net Interest Margin ?	0.43% -87.7% YoY -87.8% QoQ	-3.56%	3.99% +5.0% YoY	4.00% +6.8% YoY	3.95% +4.9% YoY	Bottom 0.1% in tier
Efficiency Ratio ?	4.18% -93.9% YoY -93.8% QoQ	-60.29%	64.48% -3.2% YoY	63.00% -3.5% YoY	70.05% +2.5% YoY	Top 0.1% in tier
Delinquency Rate ?	0.94% +10.7% YoY -20.2% QoQ	+0.02%	0.92% +15.7% YoY	1.01% +19.3% YoY	0.98% +16.3% YoY	30%
Loan-to-Deposit Ratio ?	55.24% -9.5% YoY +1.9% QoQ	-22.71%	77.95% +1.0% YoY	78.29% -0.6% YoY	79.03% +2.3% YoY	Top 12.8% in tier
Non-Interest-Bearing Deposit Share ?	24.79% +16.8% YoY +15.9% QoQ	+2.76%	22.03% -0.6% YoY	21.79% +0.9% YoY	21.98% -0.6% YoY	65%
Nonperforming Asset Ratio ?	0.47% -2.1% YoY -20.5% QoQ	-0.20%	0.67% +16.4% YoY	0.76% +16.9% YoY	0.69% +15.8% YoY	41%
Tier 1 Capital Ratio ?	13.38% +14.1% YoY +4.1% QoQ	-2.53%	15.91% +1.4% YoY	15.35% -0.4% YoY	17.09% +0.8% YoY	52%
Non-Interest Income / Assets ?	0.01% -92.0% YoY -84.8% QoQ	-0.56%	0.57% +7.6% YoY	0.31% +3.9% YoY	0.66% +5.2% YoY	Bottom 0.8% in tier

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	24.8% +3.6pp YoY +3.4pp QoQ	+2.6pp	22.1%	21.9%	22.2%	65%
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	6.7% -1.2pp YoY 0.0pp QoQ	-4.9pp	11.6%	14.6%	12.5%	30%
CRE	10.3% -2.2pp YoY	-29.2pp	39.5%	36.5%	41.4%	5%
1-4 Family	36.8% +3.2pp YoY +0.9pp QoQ	+4.1pp	32.6%	29.4%	31.3%	65%
Consumer	6.4% -0.5pp YoY -0.2pp QoQ	+2.3pp	4.1%	4.5%	5.0%	83%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
CET1 Ratio	13.4% +1.7pp YoY +0.5pp QoQ	-5.4pp	18.8%	16.5%	19.7%	32%
Leverage Ratio	7.0% +0.5pp YoY +0.2pp QoQ	-5.2pp	12.2%	11.0%	12.6%	0%
Total Capital Ratio	14.2% +1.7pp YoY +0.6pp QoQ	-5.7pp	19.9%	17.6%	20.8%	29%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Full-Time Employees	16 +1 (+6.7%) YoY 0 QoQ	-43	58	55	482	5%
Assets per Employee ($)	$7.2M +1.8% YoY +0.1% QoQ	-$348K	$7.5M	$8.6M	$8.8M	55%
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	n/a	n/a	0.3%	0.4%	0.4%	n/a
Nonaccrual	0.9% +0.1pp YoY -0.2pp QoQ	0.0pp	0.9%	1.0%	1.0%	70%
Allowance Coverage	0.92x +0.1% YoY +30.4% QoQ	-23.23x	24.15x	20.41x	20.23x	24%
Net Charge-off Rate (YTD)	-0.0% -0.2pp QoQ	-0.2pp	0.1%	0.2%	0.2%	11%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
ROE	5.7% -13.0pp YoY -8.9pp QoQ	-6.5pp	12.2%	13.1%	11.6%	16%
Cost of Funds (YTD)	0.1% -1.7pp YoY -1.6pp QoQ	-1.6pp	1.7%	1.7%	1.7%	0%
Net Income ($, YTD)	$229,000 -60.4% YoY — QoQ	-$2.3M	$2.6M	$4.5M	$40.4M	6%

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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 (1)

Credit Quality Pressure

risk

#500 of 1256 • Bottom 39.7% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.94%

(Tier: 0.92%, National: 0.98%)

worse than tier avg

1256 of 1256 Community banks match · 1820 nationally

→ Stable -71 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 (2 metrics)

Efficiency Ratio

profitability

Value: 4.18%

Peer Median: 64.48%

#3 of 2643 Top 0.1% in $100M-$1B

338

Loan-to-Deposit Ratio

liquidity

Value: 55.24%

Peer Median: 77.95%

#338 of 2643 Top 12.8% in $100M-$1B

Top Weaknesses (6 metrics)

2643

Net Interest Margin

profitability

Value: 0.43%

Peer Median: 3.99%

#2643 of 2643 Bottom 0.1% in $100M-$1B

2624

Non-Interest Income / Assets

revenue_mix

Value: 0.01%

Peer Median: 0.57%

#2624 of 2643 Bottom 0.8% in $100M-$1B

2534

Total Assets

size

Value: $114.72M

Peer Median: $386.57M

#2534 of 2643 Bottom 4.2% in $100M-$1B

2532

Total Loans

size

Value: $57.88M

Peer Median: $258.35M

#2532 of 2643 Bottom 4.2% in $100M-$1B

2461

Total Deposits

size

Value: $104.78M

Peer Median: $326.73M

#2461 of 2643 Bottom 6.9% in $100M-$1B

2383

Return on Assets

profitability

Value: 0.40%

Peer Median: 1.32%

#2383 of 2643 Bottom 9.9% in $100M-$1B