BlastPoint's Banking Scorecard
Arlington State Bank
Designations: ✓ Community bank
Arlington, 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 536 banks in the under $100M peer group nationwide — 1 of 52 in MN.
- Deposits -2.4% year over year ($52.7M on the books).
- Delinquency rate 2.14%.
- Return on assets 0.14%.
- Efficiency ratio 94.99% vs a 119.40% peer average.
- Loan-to-deposit ratio 37.51% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Arlington State Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 24.40% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.86% below tier average
- - Net Interest Margin 1.14% below tier average
- - Delinquency Rate 0.66% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$56.7M
-1.4% YoY
+0.2% QoQ
|
-$5.7M |
$62.4M
-0.0% YoY
|
$524.5M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
40% |
| Total Loans ? |
$19.8M
+10.6% YoY
-1.3% QoQ
|
-$15.1M |
$34.9M
-0.6% YoY
|
$300.2M
+7.3% YoY
|
$3.2B
+9.4% YoY
|
27% |
| Total Deposits ? |
$52.7M
-2.4% YoY
-0.1% QoQ
|
+$1.1M |
$51.6M
-0.2% YoY
|
$452.1M
+5.5% YoY
|
$4.9B
+7.3% YoY
|
49% |
| Return on Assets ? |
0.14%
-74.7% YoY
-10.0% QoQ
|
-0.86% |
1.00%
+3.5% YoY
|
1.26%
+17.2% YoY
|
1.30%
+12.1% YoY
|
Bottom 14.6% in tier |
| Net Interest Margin ? |
2.77%
+8.0% YoY
+1.6% QoQ
|
-1.14% |
3.91%
+2.3% YoY
|
4.00%
+6.8% YoY
|
3.95%
+4.9% YoY
|
Bottom 10.6% in tier |
| Efficiency Ratio ? |
94.99%
-5.4% YoY
+0.7% QoQ
|
-24.40% |
119.40%
+49.6% YoY
|
63.00%
-3.5% YoY
|
70.05%
+2.5% YoY
|
Bottom 14.4% in tier |
| Delinquency Rate ? | 2.14% | +0.66% |
1.48%
+31.8% YoY
|
1.01%
+19.3% YoY
|
0.98%
+16.3% YoY
|
20% |
| Loan-to-Deposit Ratio ? |
37.51%
+13.3% YoY
-1.2% QoQ
|
-36.70% |
74.21%
+12.6% YoY
|
78.29%
-0.6% YoY
|
79.03%
+2.3% YoY
|
Top 14.6% in tier |
| Non-Interest-Bearing Deposit Share ? |
28.75%
+0.2% YoY
-11.0% QoQ
|
+5.26% |
23.49%
+0.6% YoY
|
21.79%
+0.9% YoY
|
21.98%
-0.6% YoY
|
71% |
| Nonperforming Asset Ratio ? | 0.75% | -0.09% |
0.84%
+23.0% YoY
|
0.76%
+16.9% YoY
|
0.69%
+15.8% YoY
|
30% |
| Tier 1 Capital Ratio ? |
23.17%
-8.1% YoY
+1.9% QoQ
|
-3.95% |
27.13%
+3.0% YoY
|
15.35%
-0.4% YoY
|
17.09%
+0.8% YoY
|
76% |
| Non-Interest Income / Assets ? |
0.05%
+5.2% YoY
+115.0% QoQ
|
-1.33% |
1.38%
+6.3% YoY
|
0.31%
+3.9% YoY
|
0.66%
+5.2% YoY
|
18% |
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 |
28.8%
0.0pp YoY -3.6pp QoQ |
+4.1pp | 24.6% | 21.9% | 22.2% | 69% |
| 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 |
7.2%
-1.3pp YoY +0.6pp QoQ |
-6.2pp | 13.4% | 14.6% | 12.5% | 34% |
| CRE | n/a | n/a | 25.2% | 36.5% | 41.4% | n/a |
| 1-4 Family |
3.4%
-1.6pp YoY -1.2pp QoQ |
-31.5pp | 35.0% | 29.4% | 31.3% | 11% |
| Consumer |
8.4%
-0.9pp YoY +0.4pp QoQ |
+0.7pp | 7.7% | 4.5% | 5.0% | 71% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
23.2%
-2.1pp YoY +0.4pp QoQ |
-15.5pp | 38.7% | 16.5% | 19.7% | 57% |
| Leverage Ratio |
10.1%
+0.2pp YoY -0.1pp QoQ |
-7.6pp | 17.7% | 11.0% | 12.6% | 20% |
| Total Capital Ratio |
24.0%
-2.2pp YoY +0.4pp QoQ |
-15.7pp | 39.7% | 17.6% | 20.8% | 56% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
10
0 YoY 0 QoQ |
-2 | 12 | 55 | 482 | 43% |
| Assets per Employee ($) |
$5.7M
-1.4% YoY +0.2% QoQ |
-$518K | $6.2M | $8.6M | $8.8M | 45% |
| Branch Count |
2
0 YoY 0 QoQ |
+0 | 1 | 4 | 18 | 63% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.6%
+0.5pp YoY +0.5pp QoQ |
-0.4pp | 1.0% | 0.4% | 0.4% | 53% |
| Nonaccrual |
1.6%
+1.6pp YoY +1.6pp QoQ |
-0.2pp | 1.7% | 1.0% | 1.0% | 68% |
| Allowance Coverage |
0.48x
-97.3% YoY -97.5% QoQ |
-5.93x | 6.41x | 20.41x | 20.23x | 19% |
| Net Charge-off Rate (YTD) | 0.1% | -0.1pp | 0.2% | 0.2% | 0.2% | 62% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
2.2%
-10.3pp YoY -0.2pp QoQ |
-4.2pp | 6.4% | 13.1% | 11.6% | 20% |
| Cost of Funds (YTD) |
1.0%
0.0pp YoY 0.0pp QoQ |
-0.5pp | 1.4% | 1.7% | 1.7% | 25% |
| Net Income ($, YTD) |
$38,000
-75.2% YoY — QoQ |
-$280K | $317,817 | $4.5M | $40.4M | 16% |
Get Full Access to Arlington State Bank
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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.