BlastPoint's Banking Scorecard

Kensington Bank

$100M-$1B Specialty: Agricultural MN FDIC cert 1409

Kensington, MN

7 branches across MN

2664 banks in the $100M-$1B peer group nationally 152 in MN

Kensington Bank has 3 strengths but faces 5 concerns

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

+ ROA 0.12% above tier average
+ Net Interest Margin 0.35% above tier average
+ Efficiency Ratio 13.44% below tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 21.6% in tier
- Capital Constraint: Bottom 24.1% in tier
- Liquidity Strain: Bottom 25.3% in tier
- Deposit Outflow: Bottom 42.1% in tier
- Delinquency Rate 0.41% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Total Assets ?	$450.8M -0.8% YoY +1.0% QoQ	+$64.7M	$386.1M +0.5% YoY	$512.9M +5.5% YoY	$6.2B +9.1% YoY	67%
Total Loans ?	$347.9M +5.1% YoY +0.2% QoQ	+$92.2M	$255.7M +1.1% YoY	$288.3M +6.9% YoY	$3.2B +10.8% YoY	74%
Total Deposits ?	$379.1M -3.9% YoY -1.1% QoQ	+$51.1M	$328.0M +0.1% YoY	$443.8M +5.0% YoY	$4.8B +8.2% YoY	67%
Return on Assets ?	1.39% +46.1% YoY +41.4% QoQ	+0.12%	1.27% +12.9% YoY	1.13% +10.7% YoY	1.23% +13.4% YoY	61%
Net Interest Margin ?	4.28% +11.3% YoY +9.2% QoQ	+0.35%	3.93% +6.0% YoY	3.93% +7.5% YoY	3.89% +5.7% YoY	72%
Efficiency Ratio ?	51.84% -10.8% YoY -10.9% QoQ	-13.44%	65.29% -4.5% YoY	64.77% -3.3% YoY	66.95% -4.1% YoY	81%
Delinquency Rate ?	1.30% -4.9% YoY -14.5% QoQ	+0.41%	0.89% +18.8% YoY	1.04% +28.9% YoY	0.95% +18.8% YoY	22%
Loan-to-Deposit Ratio ?	91.77% +9.4% YoY +1.3% QoQ	+15.13%	76.64% +0.8% YoY	76.69% -0.4% YoY	76.70% +0.9% YoY	21%
Non-Interest-Bearing Deposit Share ?	16.87% +2.1% YoY -7.0% QoQ	-5.15%	22.02% -1.0% YoY	21.87% -0.9% YoY	22.01% -1.2% YoY	31%
Nonperforming Asset Ratio ?	1.00% +0.8% YoY -15.2% QoQ	+0.37%	0.64% +19.7% YoY	0.77% +27.1% YoY	0.67% +19.3% YoY	19%
Tier 1 Capital Ratio ?	11.03% +3.7% YoY +3.1% QoQ	-4.80%	15.83% +1.5% YoY	15.37% +0.7% YoY	17.06% +0.8% YoY	23%
Non-Interest Income / Assets ?	0.11% +38.8% YoY -76.4% QoQ	-0.17%	0.28% +9.3% YoY	0.16% +5.0% YoY	0.32% +4.1% YoY	57%

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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 (4)

Capital Thin

risk

#145 of 666 • Bottom 21.6% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 11.03%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Capital Constraint

risk

#27 of 108 • Bottom 24.1% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.

Why this signature

Loan-to-Deposit Ratio: 91.77%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

Tier 1 Capital Ratio: 11.03%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

108 of 108 Community banks match · 148 nationally

↑ Growing +19 banks QoQ

Liquidity Strain

risk

#164 of 643 • Bottom 25.3% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 91.77%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank declining

Deposit Outflow

decline

#214 of 506 • Bottom 42.1% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

506 of 506 Community banks match · 656 nationally

→ Stable -8 banks QoQ

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 2664 peers in $100M-$1B

Top Strengths (1 metrics)

518

Efficiency Ratio

profitability

Value: 51.84%

Peer Median: 65.29%

#518 of 2664 Top 19.4% in $100M-$1B

Top Weaknesses (4 metrics)

2148

Nonperforming Asset Ratio

credit_quality

Value: 1.00%

Peer Median: 0.64%

#2148 of 2664 Bottom 19.4% in $100M-$1B

2108

Loan-to-Deposit Ratio

liquidity

Value: 91.77%

Peer Median: 76.64%

#2108 of 2664 Bottom 20.9% in $100M-$1B

2063

Delinquency Rate

credit_quality

Value: 1.30%

Peer Median: 0.89%

#2063 of 2654 Bottom 22.3% in $100M-$1B

2047

Tier 1 Capital Ratio

capital

Value: 11.03%

Peer Median: 15.83%

#2047 of 2664 Bottom 23.2% in $100M-$1B