BlastPoint's Banking Scorecard
Welcome State Bank
Designations: ✓ Community bank
Welcome, 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 536 banks in the under $100M peer group nationwide — 1 of 52 in MN.
- Deposits +4.4% year over year ($38.1M on the books).
- Delinquency rate 0.00%.
- Return on assets 2.94%.
- Efficiency ratio 40.45% vs a 119.40% peer average.
- Loan-to-deposit ratio 78.95% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Welcome State Bank demonstrates 6 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.94% above tier average
- + Efficiency Ratio 78.95% below tier average
- + Delinquency Rate 1.48% below tier average
- + Nonperforming Asset Ratio 0.84% below tier average
- + Non-Interest Income / Assets 0.78% below tier average
- + Net Interest Margin 0.76% above tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$44.3M
+3.4% YoY
-0.3% QoQ
|
-$18.2M |
$62.4M
-0.0% YoY
|
$524.5M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
25% |
| Total Loans ? |
$30.0M
+1.4% YoY
+2.2% QoQ
|
-$4.8M |
$34.9M
-0.6% YoY
|
$300.2M
+7.3% YoY
|
$3.2B
+9.4% YoY
|
43% |
| Total Deposits ? |
$38.1M
+4.4% YoY
-1.4% QoQ
|
-$13.6M |
$51.6M
-0.2% YoY
|
$452.1M
+5.5% YoY
|
$4.9B
+7.3% YoY
|
28% |
| Return on Assets ? |
2.94%
+10.0% YoY
-0.1% QoQ
|
+1.94% |
1.00%
+3.5% YoY
|
1.26%
+17.2% YoY
|
1.30%
+12.1% YoY
|
Top 3.0% in tier |
| Net Interest Margin ? |
4.67%
-4.1% YoY
+1.1% QoQ
|
+0.76% |
3.91%
+2.3% YoY
|
4.00%
+6.8% YoY
|
3.95%
+4.9% YoY
|
79% |
| Efficiency Ratio ? |
40.45%
-8.8% YoY
-1.8% QoQ
|
-78.95% |
119.40%
+49.6% YoY
|
63.00%
-3.5% YoY
|
70.05%
+2.5% YoY
|
Top 3.0% in tier |
| Delinquency Rate ? |
0.00%
-100.0% YoY
|
-1.48% |
1.48%
+31.8% YoY
|
1.01%
+19.3% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
78.95%
-2.8% YoY
+3.7% QoQ
|
+4.74% |
74.21%
+12.6% YoY
|
78.29%
-0.6% YoY
|
79.03%
+2.3% YoY
|
31% |
| Non-Interest-Bearing Deposit Share ? |
30.30%
-8.8% YoY
-8.0% QoQ
|
+6.81% |
23.49%
+0.6% YoY
|
21.79%
+0.9% YoY
|
21.98%
-0.6% YoY
|
75% |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
|
-0.84% |
0.84%
+23.0% YoY
|
0.76%
+16.9% YoY
|
0.69%
+15.8% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
12.81%
-28.9% YoY
+0.1% QoQ
|
-14.31% |
27.13%
+3.0% YoY
|
15.35%
-0.4% YoY
|
17.09%
+0.8% YoY
|
30% |
| Non-Interest Income / Assets ? |
0.60%
+89.9% YoY
+74.9% QoQ
|
-0.78% |
1.38%
+6.3% YoY
|
0.31%
+3.9% YoY
|
0.66%
+5.2% YoY
|
Top 8.0% in tier |
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 |
30.3%
-2.9pp YoY -2.6pp QoQ |
+5.7pp | 24.6% | 21.9% | 22.2% | 74% |
| Brokered Deposits | n/a | n/a | 9.8% | 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 |
7.4%
-0.3pp YoY +0.4pp QoQ |
-6.0pp | 13.4% | 14.6% | 12.5% | 35% |
| CRE | n/a | n/a | 25.2% | 36.5% | 41.4% | n/a |
| 1-4 Family |
20.3%
+4.5pp YoY +0.1pp QoQ |
-14.7pp | 35.0% | 29.4% | 31.3% | 36% |
| Consumer |
5.8%
-1.9pp YoY -0.2pp QoQ |
-1.8pp | 7.7% | 4.5% | 5.0% | 55% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 16.5% | 19.7% | n/a |
| Leverage Ratio |
12.8%
+0.8pp YoY 0.0pp QoQ |
-4.9pp | 17.7% | 11.0% | 12.6% | 50% |
| Total Capital Ratio | n/a | n/a | 39.7% | 17.6% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
7
0 YoY 0 QoQ |
-5 | 12 | 55 | 482 | 20% |
| Assets per Employee ($) |
$6.3M
+3.4% YoY -0.3% QoQ |
+$138K | $6.2M | $8.6M | $8.8M | 56% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 4 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.4% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 1.7% | 1.0% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 6.41x | 20.41x | 20.23x | n/a |
| Net Charge-off Rate (YTD) |
-0.0%
-0.2pp YoY 0.0pp QoQ |
-0.2pp | 0.2% | 0.2% | 0.2% | 15% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
23.2%
+0.2pp YoY -0.3pp QoQ |
+16.8pp | 6.4% | 13.1% | 11.6% | 96% |
| Cost of Funds (YTD) |
1.4%
+0.1pp YoY +0.1pp QoQ |
0.0pp | 1.4% | 1.7% | 1.7% | 51% |
| Net Income ($, YTD) |
$651,000
+13.6% YoY — QoQ |
+$333K | $317,817 | $4.5M | $40.4M | 85% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.