BlastPoint's Banking Scorecard
Wadena State Bank
Wadena, MN
4 branches across MN
Wadena State Bank has 4 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.32% above tier average
- + Net Interest Margin 0.43% above tier average
- + Efficiency Ratio 6.02% below tier average
- + Delinquency Rate 0.49% below tier average
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 12.8% in tier
- - Credit Risk Growth: Bottom 30.7% in tier
- - Credit Quality Pressure: Bottom 44.1% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$204.5M
+1.8% YoY
-0.7% QoQ
|
-$181.6M |
$386.1M
+0.5% YoY
|
$512.9M
+5.5% YoY
|
$6.2B
+9.1% YoY
|
28% |
| Total Loans ? |
$135.3M
+4.5% YoY
+1.6% QoQ
|
-$120.4M |
$255.7M
+1.1% YoY
|
$288.3M
+6.9% YoY
|
$3.2B
+10.8% YoY
|
31% |
| Total Deposits ? |
$185.9M
+1.0% YoY
-0.3% QoQ
|
-$142.1M |
$328.0M
+0.1% YoY
|
$443.8M
+5.0% YoY
|
$4.8B
+8.2% YoY
|
31% |
| Return on Assets ? |
1.59%
+11.2% YoY
-8.1% QoQ
|
+0.32% |
1.27%
+12.9% YoY
|
1.13%
+10.7% YoY
|
1.23%
+13.4% YoY
|
72% |
| Net Interest Margin ? |
4.36%
+3.3% YoY
+0.1% QoQ
|
+0.43% |
3.93%
+6.0% YoY
|
3.93%
+7.5% YoY
|
3.89%
+5.7% YoY
|
76% |
| Efficiency Ratio ? |
59.27%
-3.8% YoY
+3.1% QoQ
|
-6.02% |
65.29%
-4.5% YoY
|
64.77%
-3.3% YoY
|
66.95%
-4.1% YoY
|
62% |
| Delinquency Rate ? |
0.40%
+681.4% YoY
+311.3% QoQ
|
-0.49% |
0.89%
+18.8% YoY
|
1.04%
+28.9% YoY
|
0.95%
+18.8% YoY
|
51% |
| Loan-to-Deposit Ratio ? |
72.78%
+3.5% YoY
+1.9% QoQ
|
-3.86% |
76.64%
+0.8% YoY
|
76.69%
-0.4% YoY
|
76.70%
+0.9% YoY
|
62% |
| Non-Interest-Bearing Deposit Share ? |
20.91%
-7.1% YoY
-3.4% QoQ
|
-1.11% |
22.02%
-1.0% YoY
|
21.87%
-0.9% YoY
|
22.01%
-1.2% YoY
|
49% |
| Nonperforming Asset Ratio ? |
0.31%
+853.6% YoY
+400.5% QoQ
|
-0.32% |
0.64%
+19.7% YoY
|
0.77%
+27.1% YoY
|
0.67%
+19.3% YoY
|
49% |
| Tier 1 Capital Ratio ? |
9.48%
-0.2% YoY
-6.8% QoQ
|
-6.35% |
15.83%
+1.5% YoY
|
15.37%
+0.7% YoY
|
17.06%
+0.8% YoY
|
Bottom 4.2% in tier |
| Non-Interest Income / Assets ? |
0.07%
-3.8% YoY
-76.3% QoQ
|
-0.21% |
0.28%
+9.3% YoY
|
0.16%
+5.0% YoY
|
0.32%
+4.1% YoY
|
34% |
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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 (3)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.