BlastPoint's Banking Scorecard
Pine Country Bank
Little Falls, MN
5 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 -1.5% year over year ($335.1M on the books).
- Delinquency rate 0.06%.
- Return on assets 1.40%.
- Efficiency ratio 55.52% vs a 64.48% peer average.
- Loan-to-deposit ratio 72.27% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Pine Country Bank demonstrates 4 strengths
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.08% above tier average
- + Net Interest Margin 0.38% above tier average
- + Efficiency Ratio 8.96% below tier average
- + Delinquency Rate 0.85% below 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 ? |
$380.3M
-0.8% YoY
-2.0% QoQ
|
-$6.3M |
$386.6M
+1.2% YoY
|
$524.5M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
58% |
| Total Loans ? |
$242.2M
+8.1% YoY
+2.2% QoQ
|
-$16.2M |
$258.3M
+1.7% YoY
|
$300.2M
+7.3% YoY
|
$3.2B
+9.4% YoY
|
57% |
| Total Deposits ? |
$335.1M
-1.5% YoY
-1.5% QoQ
|
+$8.4M |
$326.7M
+0.7% YoY
|
$452.1M
+5.5% YoY
|
$4.9B
+7.3% YoY
|
61% |
| Return on Assets ? |
1.40%
+29.9% YoY
+8.6% QoQ
|
+0.08% |
1.32%
+10.8% YoY
|
1.26%
+17.2% YoY
|
1.30%
+12.1% YoY
|
59% |
| Net Interest Margin ? |
4.37%
+13.6% YoY
+2.1% QoQ
|
+0.38% |
3.99%
+5.0% YoY
|
4.00%
+6.8% YoY
|
3.95%
+4.9% YoY
|
74% |
| Efficiency Ratio ? |
55.52%
-9.2% YoY
-5.7% QoQ
|
-8.96% |
64.48%
-3.2% YoY
|
63.00%
-3.5% YoY
|
70.05%
+2.5% YoY
|
71% |
| Delinquency Rate ? |
0.06%
-56.0% YoY
-90.7% QoQ
|
-0.85% |
0.92%
+15.7% YoY
|
1.01%
+19.3% YoY
|
0.98%
+16.3% YoY
|
77% |
| Loan-to-Deposit Ratio ? |
72.27%
+9.7% YoY
+3.8% QoQ
|
-5.68% |
77.95%
+1.0% YoY
|
78.29%
-0.6% YoY
|
79.03%
+2.3% YoY
|
65% |
| Non-Interest-Bearing Deposit Share ? |
29.96%
+1.2% YoY
-0.2% QoQ
|
+7.93% |
22.03%
-0.6% YoY
|
21.79%
+0.9% YoY
|
21.98%
-0.6% YoY
|
82% |
| Nonperforming Asset Ratio ? |
0.04%
-70.9% YoY
-90.3% QoQ
|
-0.63% |
0.67%
+16.4% YoY
|
0.76%
+16.9% YoY
|
0.69%
+15.8% YoY
|
80% |
| Tier 1 Capital Ratio ? |
14.31%
+1.4% YoY
-4.2% QoQ
|
-1.59% |
15.91%
+1.4% YoY
|
15.35%
-0.4% YoY
|
17.09%
+0.8% YoY
|
60% |
| Non-Interest Income / Assets ? |
0.19%
+14.1% YoY
+89.5% QoQ
|
-0.38% |
0.57%
+7.6% YoY
|
0.31%
+3.9% YoY
|
0.66%
+5.2% YoY
|
45% |
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 |
30.0%
+0.4pp YoY -0.1pp QoQ |
+7.8pp | 22.1% | 21.9% | 22.2% | 82% |
| 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 |
20.2%
-1.6pp YoY +0.9pp QoQ |
+8.6pp | 11.6% | 14.6% | 12.5% | 89% |
| CRE |
22.0%
+1.4pp YoY -0.8pp QoQ |
-17.5pp | 39.5% | 36.5% | 41.4% | 21% |
| 1-4 Family |
16.1%
-0.2pp YoY -0.5pp QoQ |
-16.5pp | 32.6% | 29.4% | 31.3% | 21% |
| Consumer |
1.4%
-0.4pp YoY 0.0pp QoQ |
-2.8pp | 4.1% | 4.5% | 5.0% | 36% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
14.3%
+0.2pp YoY -0.6pp QoQ |
-4.5pp | 18.8% | 16.5% | 19.7% | 42% |
| Leverage Ratio |
10.2%
+0.8pp YoY -0.2pp QoQ |
-1.9pp | 12.2% | 11.0% | 12.6% | 36% |
| Total Capital Ratio |
15.3%
+0.1pp YoY -0.6pp QoQ |
-4.6pp | 19.9% | 17.6% | 20.8% | 40% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
55
-1 (-1.8%) YoY +1 (+1.9%) QoQ |
-4 | 58 | 55 | 482 | 58% |
| Assets per Employee ($) |
$6.9M
+1.0% YoY -3.8% QoQ |
-$604K | $7.5M | $8.6M | $8.8M | 51% |
| Branch Count |
5
0 YoY 0 QoQ |
0 | 4 | 4 | 18 | 55% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.1%
-0.6pp QoQ |
-0.3pp | 0.3% | 0.4% | 0.4% | 43% |
| Nonaccrual | n/a | n/a | 0.9% | 1.0% | 1.0% | n/a |
| Allowance Coverage |
16.61x
+102.2% YoY +951.6% QoQ |
-7.54x | 24.15x | 20.41x | 20.23x | 87% |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.2% | 0.2% | 23% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
11.9%
+1.7pp YoY +1.0pp QoQ |
-0.3pp | 12.2% | 13.1% | 11.6% | 49% |
| Cost of Funds (YTD) |
1.2%
-0.3pp YoY 0.0pp QoQ |
-0.5pp | 1.7% | 1.7% | 1.7% | 19% |
| Net Income ($, YTD) |
$2.7M
+29.4% YoY — QoQ |
+$133K | $2.6M | $4.5M | $40.4M | 65% |
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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.