BlastPoint's Banking Scorecard

Perennial Bank

$100M-$1B Specialty: Other MN FDIC cert 1413

Darwin, MN

4 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 +5.7% year over year ($144.6M on the books).
Delinquency rate 1.38%.
Return on assets 1.00%.
Efficiency ratio 59.65% vs a 64.48% peer average.
Loan-to-deposit ratio 44.62% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 151 in MN

View $100M-$1B leaderboard (MN) →

Perennial Bank has 1 strength but faces 3 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

+ Efficiency Ratio 4.83% below tier average

Key Concerns

Areas that may need attention

- Net Interest Margin 1.00% below tier average
- ROA 0.32% below tier average
- Delinquency Rate 0.46% above tier average

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Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Total Assets ?	$158.1M +6.5% YoY +1.4% QoQ	-$228.4M	$386.6M +1.2% YoY	$524.5M +5.8% YoY	$6.3B +7.7% YoY	16%
Total Loans ?	$64.5M +6.6% YoY +5.7% QoQ	-$193.8M	$258.3M +1.7% YoY	$300.2M +7.3% YoY	$3.2B +9.4% YoY	Bottom 5.4% in tier
Total Deposits ?	$144.6M +5.7% YoY +1.2% QoQ	-$182.1M	$326.7M +0.7% YoY	$452.1M +5.5% YoY	$4.9B +7.3% YoY	20%
Return on Assets ?	1.00% +4.2% YoY +0.8% QoQ	-0.32%	1.32% +10.8% YoY	1.26% +17.2% YoY	1.30% +12.1% YoY	33%
Net Interest Margin ?	2.99% +4.0% YoY +1.9% QoQ	-1.00%	3.99% +5.0% YoY	4.00% +6.8% YoY	3.95% +4.9% YoY	Bottom 9.6% in tier
Efficiency Ratio ?	59.65% -3.4% YoY -0.9% QoQ	-4.83%	64.48% -3.2% YoY	63.00% -3.5% YoY	70.05% +2.5% YoY	58%
Delinquency Rate ?	1.38% +278.6% YoY +50.0% QoQ	+0.46%	0.92% +15.7% YoY	1.01% +19.3% YoY	0.98% +16.3% YoY	20%
Loan-to-Deposit Ratio ?	44.62% +0.8% YoY +4.5% QoQ	-33.33%	77.95% +1.0% YoY	78.29% -0.6% YoY	79.03% +2.3% YoY	Top 5.8% in tier
Non-Interest-Bearing Deposit Share ?	29.87% +2.9% YoY -0.8% QoQ	+7.84%	22.03% -0.6% YoY	21.79% +0.9% YoY	21.98% -0.6% YoY	82%
Nonperforming Asset Ratio ?	0.56% +279.1% YoY +56.4% QoQ	-0.11%	0.67% +16.4% YoY	0.76% +16.9% YoY	0.69% +15.8% YoY	36%
Tier 1 Capital Ratio ?	23.66% +5.5% YoY -2.1% QoQ	+7.75%	15.91% +1.4% YoY	15.35% -0.4% YoY	17.09% +0.8% YoY	Top 8.2% in tier
Non-Interest Income / Assets ?	0.11% -5.5% YoY +106.7% QoQ	-0.46%	0.57% +7.6% YoY	0.31% +3.9% YoY	0.66% +5.2% YoY	22%

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	29.9% +0.8pp YoY -0.3pp QoQ	+7.7pp	22.1%	21.9%	22.2%	81%
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	13.0% -4.5pp YoY -1.6pp QoQ	+1.4pp	11.6%	14.6%	12.5%	68%
CRE	15.8% -1.8pp YoY -0.8pp QoQ	-23.7pp	39.5%	36.5%	41.4%	12%
1-4 Family	49.5% +8.6pp YoY +3.0pp QoQ	+16.9pp	32.6%	29.4%	31.3%	82%
Consumer	8.9% -3.2pp YoY -1.0pp QoQ	+4.7pp	4.1%	4.5%	5.0%	90%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
CET1 Ratio	23.7% +1.2pp YoY -0.5pp QoQ	+4.8pp	18.8%	16.5%	19.7%	86%
Leverage Ratio	9.5% -0.3pp YoY +0.1pp QoQ	-2.7pp	12.2%	11.0%	12.6%	21%
Total Capital Ratio	24.9% +1.2pp YoY -0.5pp QoQ	+5.0pp	19.9%	17.6%	20.8%	86%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Full-Time Employees	18 0 YoY 0 QoQ	-41	58	55	482	8%
Assets per Employee ($)	$8.8M +6.5% YoY +1.4% QoQ	+$1.3M	$7.5M	$8.6M	$8.8M	77%
Branch Count	4 0 YoY 0 QoQ	-1	4	4	18	42%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Past Due 90+ Days	0.1% 0.0pp YoY -0.2pp QoQ	-0.2pp	0.3%	0.4%	0.4%	58%
Nonaccrual	1.2% +1.0pp YoY +0.6pp QoQ	+0.3pp	0.9%	1.0%	1.0%	76%
Allowance Coverage	1.07x -68.7% YoY -31.2% QoQ	-23.08x	24.15x	20.41x	20.23x	29%
Net Charge-off Rate (YTD)	0.0% 0.0pp QoQ	-0.1pp	0.1%	0.2%	0.2%	53%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
ROE	12.6% -1.2pp YoY 0.0pp QoQ	+0.4pp	12.2%	13.1%	11.6%	53%
Cost of Funds (YTD)	1.2% 0.0pp YoY 0.0pp QoQ	-0.5pp	1.7%	1.7%	1.7%	18%
Net Income ($, YTD)	$783,000 +12.3% YoY — QoQ	-$1.8M	$2.6M	$4.5M	$40.4M	19%

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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 (0)

No matched concern signatures this quarter

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 2643 peers in $100M-$1B

Top Strengths (3 metrics)

153

Loan-to-Deposit Ratio

liquidity

Value: 44.62%

Peer Median: 77.95%

#153 of 2643 Top 5.8% in $100M-$1B

218

Tier 1 Capital Ratio

capital

Value: 23.66%

Peer Median: 15.91%

#218 of 2643 Top 8.2% in $100M-$1B

488

Non-Interest-Bearing Deposit Share

funding

Value: 29.87%

Peer Median: 22.03%

#488 of 2643 Top 18.4% in $100M-$1B

Top Weaknesses (6 metrics)

2501

Total Loans

size

Value: $64.51M

Peer Median: $258.35M

#2501 of 2643 Bottom 5.4% in $100M-$1B

2391

Net Interest Margin

profitability

Value: 2.99%

Peer Median: 3.99%

#2391 of 2643 Bottom 9.6% in $100M-$1B

2211

Total Assets

size

Value: $158.13M

Peer Median: $386.57M

#2211 of 2643 Bottom 16.4% in $100M-$1B

2124

Total Deposits

size

Value: $144.59M

Peer Median: $326.73M

#2124 of 2643 Bottom 19.7% in $100M-$1B

2101

Delinquency Rate

credit_quality

Value: 1.38%

Peer Median: 0.92%

#2101 of 2633 Bottom 20.2% in $100M-$1B

2065

Non-Interest Income / Assets

revenue_mix

Value: 0.11%

Peer Median: 0.57%

#2065 of 2643 Bottom 21.9% in $100M-$1B