BlastPoint's Banking Scorecard
Odin State Bank
Designations: ✓ Community bank
Odin, 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 +4.6% year over year ($74.4M on the books).
- Delinquency rate 2.19%.
- Return on assets -0.11%.
- Efficiency ratio 52.64% vs a 119.40% peer average.
- Loan-to-deposit ratio 79.75% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Odin State Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 66.76% below tier average
Key Concerns
Areas that may need attention
- - ROA 1.11% below tier average
- - Net Interest Margin 0.14% below tier average
- - Delinquency Rate 0.71% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$82.4M
+5.3% YoY
+4.5% QoQ
|
+$20.0M |
$62.4M
-0.0% YoY
|
$524.5M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
75% |
| Total Loans ? |
$59.4M
-3.4% YoY
-3.6% QoQ
|
+$24.5M |
$34.9M
-0.6% YoY
|
$300.2M
+7.3% YoY
|
$3.2B
+9.4% YoY
|
Top 13.8% in tier |
| Total Deposits ? |
$74.4M
+4.6% YoY
+3.6% QoQ
|
+$22.8M |
$51.6M
-0.2% YoY
|
$452.1M
+5.5% YoY
|
$4.9B
+7.3% YoY
|
82% |
| Return on Assets ? |
-0.11%
-110.6% YoY
+95.4% QoQ
|
-1.11% |
1.00%
+3.5% YoY
|
1.26%
+17.2% YoY
|
1.30%
+12.1% YoY
|
Bottom 11.9% in tier |
| Net Interest Margin ? |
3.78%
+10.7% YoY
-3.5% QoQ
|
-0.14% |
3.91%
+2.3% YoY
|
4.00%
+6.8% YoY
|
3.95%
+4.9% YoY
|
44% |
| Efficiency Ratio ? |
52.64%
-16.6% YoY
+1.5% QoQ
|
-66.76% |
119.40%
+49.6% YoY
|
63.00%
-3.5% YoY
|
70.05%
+2.5% YoY
|
Top 13.1% in tier |
| Delinquency Rate ? |
2.19%
+49.1% YoY
+88.1% QoQ
|
+0.71% |
1.48%
+31.8% YoY
|
1.01%
+19.3% YoY
|
0.98%
+16.3% YoY
|
19% |
| Loan-to-Deposit Ratio ? |
79.75%
-7.6% YoY
-7.0% QoQ
|
+5.54% |
74.21%
+12.6% YoY
|
78.29%
-0.6% YoY
|
79.03%
+2.3% YoY
|
30% |
| Non-Interest-Bearing Deposit Share ? |
13.09%
-1.2% YoY
-6.4% QoQ
|
-10.40% |
23.49%
+0.6% YoY
|
21.79%
+0.9% YoY
|
21.98%
-0.6% YoY
|
20% |
| Nonperforming Asset Ratio ? |
1.58%
+31.4% YoY
+31.5% QoQ
|
+0.74% |
0.84%
+23.0% YoY
|
0.76%
+16.9% YoY
|
0.69%
+15.8% YoY
|
Bottom 14.9% in tier |
| Tier 1 Capital Ratio ? |
11.94%
-3.2% YoY
+6.8% QoQ
|
-15.19% |
27.13%
+3.0% YoY
|
15.35%
-0.4% YoY
|
17.09%
+0.8% YoY
|
21% |
| Non-Interest Income / Assets ? |
0.21%
+117.1% YoY
+410.5% QoQ
|
-1.17% |
1.38%
+6.3% YoY
|
0.31%
+3.9% YoY
|
0.66%
+5.2% YoY
|
73% |
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 |
13.1%
-0.2pp YoY -0.9pp QoQ |
-11.6pp | 24.6% | 21.9% | 22.2% | 16% |
| Brokered Deposits |
21.5%
+2.9pp YoY +3.1pp QoQ |
+11.7pp | 9.8% | 8.3% | 8.5% | 88% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
4.1%
-1.5pp YoY +0.4pp QoQ |
-9.3pp | 13.4% | 14.6% | 12.5% | 15% |
| CRE | n/a | n/a | 25.2% | 36.5% | 41.4% | n/a |
| 1-4 Family |
52.1%
-0.8pp YoY +1.3pp QoQ |
+17.1pp | 35.0% | 29.4% | 31.3% | 74% |
| Consumer |
8.8%
-1.8pp YoY 0.0pp QoQ |
+1.1pp | 7.7% | 4.5% | 5.0% | 72% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
11.9%
-0.4pp YoY +0.8pp QoQ |
-26.7pp | 38.7% | 16.5% | 19.7% | 6% |
| Leverage Ratio |
8.5%
+0.2pp YoY +0.6pp QoQ |
-9.2pp | 17.7% | 11.0% | 12.6% | 6% |
| Total Capital Ratio |
13.1%
-0.4pp YoY +0.8pp QoQ |
-26.6pp | 39.7% | 17.6% | 20.8% | 7% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
12
+1 (+9.1%) YoY +1 (+9.1%) QoQ |
-0 | 12 | 55 | 482 | 56% |
| Assets per Employee ($) |
$6.9M
-3.5% YoY -4.2% QoQ |
+$681K | $6.2M | $8.6M | $8.8M | 63% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 4 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.7%
+0.4pp YoY -0.1pp QoQ |
-0.2pp | 1.0% | 0.4% | 0.4% | 64% |
| Nonaccrual |
1.4%
+0.3pp YoY +1.1pp QoQ |
-0.3pp | 1.7% | 1.0% | 1.0% | 66% |
| Allowance Coverage |
0.49x
-30.0% YoY -43.3% QoQ |
-5.92x | 6.41x | 20.41x | 20.23x | 20% |
| Net Charge-off Rate (YTD) |
2.7%
+2.4pp YoY -2.7pp QoQ |
+2.5pp | 0.2% | 0.2% | 0.2% | 98% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
-1.4%
-15.8pp YoY +29.3pp QoQ |
-7.8pp | 6.4% | 13.1% | 11.6% | 11% |
| Cost of Funds (YTD) |
2.6%
-0.5pp YoY 0.0pp QoQ |
+1.2pp | 1.4% | 1.7% | 1.7% | 94% |
| Net Income ($, YTD) |
$-45000.0
-111.0% YoY — QoQ |
-$363K | $317,817 | $4.5M | $40.4M | 11% |
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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.