BlastPoint's Banking Scorecard

Odin State Bank

under $100M Specialty: Agricultural MN FDIC cert 14574

Designations: ✓ Community bank

Odin, MN

541 banks in the under $100M peer group nationally 55 in MN

Odin State Bank has 3 strengths but faces 1 concern

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

+ Net Interest Margin 0.05% above tier average
+ Efficiency Ratio 36.46% below tier average
+ Delinquency Rate 0.21% below tier average

Key Concerns

Areas that may need attention

- Return on Assets 3.26% below 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 ?	$78.9M -1.6% YoY -3.6% QoQ	+$16.7M	$62.2M -0.6% YoY	$512.9M +5.5% YoY	$6.2B +9.1% YoY	70%
Total Loans ?	$61.6M -2.6% YoY -2.7% QoQ	+$27.3M	$34.2M -1.4% YoY	$288.3M +6.9% YoY	$3.2B +10.8% YoY	Top 10.4% in tier
Total Deposits ?	$71.8M -2.0% YoY -2.6% QoQ	+$20.1M	$51.7M -0.7% YoY	$443.8M +5.0% YoY	$4.8B +8.2% YoY	77%
Return on Assets ?	-2.43% -369.6% YoY -346.1% QoQ	-3.26%	0.84% -2.3% YoY	1.13% +10.7% YoY	1.23% +13.4% YoY	Bottom 4.1% in tier
Net Interest Margin ?	3.91% +20.3% YoY +9.1% QoQ	+0.05%	3.86% +2.8% YoY	3.93% +7.5% YoY	3.89% +5.7% YoY	55%
Efficiency Ratio ?	51.88% -19.4% YoY -16.9% QoQ	-36.46%	88.34% +0.3% YoY	64.77% -3.3% YoY	66.95% -4.1% YoY	Top 11.5% in tier
Delinquency Rate ?	1.16% -4.2% YoY -16.6% QoQ	-0.21%	1.37% +33.8% YoY	1.04% +28.9% YoY	0.95% +18.8% YoY	32%
Loan-to-Deposit Ratio ?	85.76% -0.6% YoY -0.1% QoQ	+21.55%	64.22% -0.7% YoY	76.69% -0.4% YoY	76.70% +0.9% YoY	19%
Non-Interest-Bearing Deposit Share ?	13.98% +3.0% YoY -12.9% QoQ	-9.73%	23.71% +0.3% YoY	21.87% -0.9% YoY	22.01% -1.2% YoY	21%
Nonperforming Asset Ratio ?	1.20% +19.3% YoY -11.7% QoQ	+0.41%	0.79% +28.2% YoY	0.77% +27.1% YoY	0.67% +19.3% YoY	21%
Tier 1 Capital Ratio ?	11.18% -5.6% YoY -6.5% QoQ	-15.51%	26.68% +2.0% YoY	15.37% +0.7% YoY	17.06% +0.8% YoY	Bottom 14.4% in tier
Non-Interest Income / Assets ?	0.04% -18.2% YoY -84.5% QoQ	-0.62%	0.67% +1.9% YoY	0.16% +5.0% YoY	0.32% +4.1% YoY	34%

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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 541 peers in under $100M

Top Strengths (3 metrics)

Total Loans

size

Value: $61.59M

Peer Median: $34.25M

#57 of 541 Top 10.4% in under $100M

Efficiency Ratio

profitability

Value: 51.88%

Peer Median: 88.34%

#63 of 541 Top 11.5% in under $100M

124

Total Deposits

size

Value: $71.81M

Peer Median: $51.74M

#124 of 541 Top 22.7% in under $100M

Top Weaknesses (5 metrics)

520

Return on Assets

profitability

Value: -2.43%

Peer Median: 0.84%

#520 of 541 Bottom 4.1% in under $100M

464

Tier 1 Capital Ratio

capital

Value: 11.18%

Peer Median: 26.68%

#464 of 541 Bottom 14.4% in under $100M

437

Loan-to-Deposit Ratio

liquidity

Value: 85.76%

Peer Median: 64.22%

#437 of 541 Bottom 19.4% in under $100M

430

Nonperforming Asset Ratio

credit_quality

Value: 1.20%

Peer Median: 0.79%

#430 of 541 Bottom 20.7% in under $100M

428

Non-Interest-Bearing Deposit Share

funding

Value: 13.98%

Peer Median: 23.71%

#428 of 541 Bottom 21.1% in under $100M