BlastPoint's Banking Scorecard
Arlington State Bank
Designations: ✓ Community bank
Arlington, MN
2 branches across MN
Arlington State Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 1.32% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.69% below tier average
- - Net Interest Margin 1.13% below tier average
- - Efficiency Ratio 5.98% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$56.6M
-0.6% YoY
+2.7% QoQ
|
-$5.6M |
$62.2M
-0.6% YoY
|
$512.9M
+5.5% YoY
|
$6.2B
+9.1% YoY
|
40% |
| Total Loans ? |
$20.0M
+15.7% YoY
+1.4% QoQ
|
-$14.2M |
$34.2M
-1.4% YoY
|
$288.3M
+6.9% YoY
|
$3.2B
+10.8% YoY
|
28% |
| Total Deposits ? |
$52.8M
-2.1% YoY
+3.6% QoQ
|
+$1.0M |
$51.7M
-0.7% YoY
|
$443.8M
+5.0% YoY
|
$4.8B
+8.2% YoY
|
49% |
| Return on Assets ? |
0.15%
-74.7% YoY
-58.4% QoQ
|
-0.69% |
0.84%
-2.3% YoY
|
1.13%
+10.7% YoY
|
1.23%
+13.4% YoY
|
18% |
| Net Interest Margin ? |
2.73%
+8.3% YoY
+4.5% QoQ
|
-1.13% |
3.86%
+2.8% YoY
|
3.93%
+7.5% YoY
|
3.89%
+5.7% YoY
|
Bottom 10.7% in tier |
| Efficiency Ratio ? |
94.32%
-17.4% YoY
-2.6% QoQ
|
+5.98% |
88.34%
+0.3% YoY
|
64.77%
-3.3% YoY
|
66.95%
-4.1% YoY
|
16% |
| Delinquency Rate ? |
0.05%
-4.9% YoY
+117.0% QoQ
|
-1.32% |
1.37%
+33.8% YoY
|
1.04%
+28.9% YoY
|
0.95%
+18.8% YoY
|
67% |
| Loan-to-Deposit Ratio ? |
37.96%
+18.1% YoY
-2.2% QoQ
|
-26.26% |
64.22%
-0.7% YoY
|
76.69%
-0.4% YoY
|
76.70%
+0.9% YoY
|
84% |
| Non-Interest-Bearing Deposit Share ? |
32.30%
+7.6% YoY
+2.4% QoQ
|
+8.59% |
23.71%
+0.3% YoY
|
21.87%
-0.9% YoY
|
22.01%
-1.2% YoY
|
79% |
| Nonperforming Asset Ratio ? |
0.02%
+10.6% YoY
+114.3% QoQ
|
-0.77% |
0.79%
+28.2% YoY
|
0.77%
+27.1% YoY
|
0.67%
+19.3% YoY
|
69% |
| Tier 1 Capital Ratio ? |
22.73%
-12.2% YoY
-2.9% QoQ
|
-3.95% |
26.68%
+2.0% YoY
|
15.37%
+0.7% YoY
|
17.06%
+0.8% YoY
|
75% |
| Non-Interest Income / Assets ? |
0.02%
+0.6% YoY
-86.4% QoQ
|
-0.64% |
0.67%
+1.9% YoY
|
0.16%
+5.0% YoY
|
0.32%
+4.1% YoY
|
18% |
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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.