BlastPoint's Banking Scorecard

Welcome State Bank

under $100M Specialty: Agricultural MN FDIC cert 11417

Designations: ✓ Community bank

Welcome, MN

541 banks in the under $100M peer group nationally 55 in MN

Welcome State Bank demonstrates 6 strengths

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

+ Return on Assets 2.11% above tier average
+ Efficiency Ratio 47.15% below tier average
+ Delinquency Rate 1.37% below tier average
+ Nonperforming Asset Ratio 0.79% below tier average
+ Non-Interest Income / Assets 0.32% below tier average
+ Net Interest Margin 0.76% above tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when Welcome State Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Total Assets ?	$44.4M +2.5% YoY +0.4% QoQ	-$17.7M	$62.2M -0.6% YoY	$512.9M +5.5% YoY	$6.2B +9.1% YoY	26%
Total Loans ?	$29.4M +3.6% YoY +2.4% QoQ	-$4.8M	$34.2M -1.4% YoY	$288.3M +6.9% YoY	$3.2B +10.8% YoY	44%
Total Deposits ?	$38.6M +0.9% YoY +1.1% QoQ	-$13.1M	$51.7M -0.7% YoY	$443.8M +5.0% YoY	$4.8B +8.2% YoY	30%
Return on Assets ?	2.94% +20.5% YoY +28.6% QoQ	+2.11%	0.84% -2.3% YoY	1.13% +10.7% YoY	1.23% +13.4% YoY	Top 3.3% in tier
Net Interest Margin ?	4.62% -1.0% YoY -5.9% QoQ	+0.76%	3.86% +2.8% YoY	3.93% +7.5% YoY	3.89% +5.7% YoY	79%
Efficiency Ratio ?	41.19% -12.7% YoY -19.7% QoQ	-47.15%	88.34% +0.3% YoY	64.77% -3.3% YoY	66.95% -4.1% YoY	Top 3.5% in tier
Delinquency Rate ?	0.00% -100.0% YoY	-1.37%	1.37% +33.8% YoY	1.04% +28.9% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	76.16% +2.6% YoY +1.3% QoQ	+11.95%	64.22% -0.7% YoY	76.69% -0.4% YoY	76.70% +0.9% YoY	33%
Non-Interest-Bearing Deposit Share ?	32.94% -12.1% YoY +1.1% QoQ	+9.23%	23.71% +0.3% YoY	21.87% -0.9% YoY	22.01% -1.2% YoY	80%
Nonperforming Asset Ratio ?	0.00% -100.0% YoY	-0.79%	0.79% +28.2% YoY	0.77% +27.1% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	12.79% -30.0% YoY +5.3% QoQ	-13.89%	26.68% +2.0% YoY	15.37% +0.7% YoY	17.06% +0.8% YoY	30%
Non-Interest Income / Assets ?	0.34% +111.9% YoY -42.0% QoQ	-0.32%	0.67% +1.9% YoY	0.16% +5.0% YoY	0.32% +4.1% YoY	Top 6.5% in tier

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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 (0)

No matched concern signatures this quarter

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 541 peers in under $100M

Top Strengths (7 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 1.37%

#1 of 521 Top 0.1% in under $100M

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.79%

#1 of 541 Top 0.1% in under $100M

Return on Assets

profitability

Value: 2.94%

Peer Median: 0.84%

#19 of 541 Top 3.3% in under $100M

Efficiency Ratio

profitability

Value: 41.19%

Peer Median: 88.34%

#20 of 541 Top 3.5% in under $100M

Non-Interest Income / Assets

revenue_mix

Value: 0.34%

Peer Median: 0.67%

#36 of 541 Top 6.5% in under $100M

107

Non-Interest-Bearing Deposit Share

funding

Value: 32.94%

Peer Median: 23.71%

#107 of 541 Top 19.6% in under $100M

114

Net Interest Margin

profitability

Value: 4.62%

Peer Median: 3.86%

#114 of 541 Top 20.9% in under $100M

Top Weaknesses (0 metrics)

No weakness rankings available