BlastPoint's Banking Scorecard
Odin State Bank
Designations: ✓ Community bank
Odin, MN
Odin State Bank has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 35.75% below tier average
- + Delinquency Rate 0.20% below tier average
Key Concerns
Areas that may need attention
- - Return on Assets 3.28% below tier average
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
|
+$16.6M |
$62.3M
-0.5% YoY
|
$514.9M
+5.5% YoY
|
$6.2B
+9.0% YoY
|
70% |
| Total Loans ? |
$61.6M
-2.6% YoY
-2.7% QoQ
|
+$27.3M |
$34.3M
-1.5% YoY
|
$289.5M
+6.9% YoY
|
$3.2B
+10.7% YoY
|
Top 10.4% in tier |
| Total Deposits ? |
$71.8M
-2.0% YoY
-2.6% QoQ
|
+$20.0M |
$51.8M
-0.6% YoY
|
$445.6M
+5.0% YoY
|
$4.8B
+8.0% YoY
|
77% |
| Return on Assets ? |
-2.43%
-369.6% YoY
-346.1% QoQ
|
-3.28% |
0.86%
-3.6% YoY
|
1.14%
+11.1% YoY
|
1.24%
+13.1% YoY
|
Bottom 3.7% in tier |
| Net Interest Margin ? |
3.91%
+20.3% YoY
+9.1% QoQ
|
+0.04% |
3.87%
+2.7% YoY
|
3.93%
+7.5% YoY
|
3.89%
+5.7% YoY
|
55% |
| Efficiency Ratio ? |
51.88%
-19.4% YoY
-16.9% QoQ
|
-35.75% |
87.63%
+2.3% YoY
|
64.52%
-3.4% YoY
|
66.84%
-3.8% YoY
|
Top 11.5% in tier |
| Delinquency Rate ? |
1.16%
-4.2% YoY
-16.6% QoQ
|
-0.20% |
1.36%
+33.7% YoY
|
1.04%
+28.5% YoY
|
0.95%
+18.8% YoY
|
32% |
| Loan-to-Deposit Ratio ? |
85.76%
-0.6% YoY
-0.1% QoQ
|
+21.66% |
64.11%
-0.9% YoY
|
76.74%
-0.5% YoY
|
76.69%
+0.9% YoY
|
19% |
| Non-Interest-Bearing Deposit Share ? |
13.98%
+3.0% YoY
-12.9% QoQ
|
-9.81% |
23.79%
+0.5% YoY
|
21.89%
-0.8% YoY
|
22.01%
-1.1% YoY
|
21% |
| Nonperforming Asset Ratio ? |
1.20%
+19.3% YoY
-11.7% QoQ
|
+0.43% |
0.77%
+28.7% YoY
|
0.77%
+26.8% YoY
|
0.66%
+19.3% YoY
|
20% |
| Tier 1 Capital Ratio ? |
11.18%
-5.6% YoY
-6.5% QoQ
|
-15.60% |
26.77%
+2.0% YoY
|
15.37%
+0.7% YoY
|
17.06%
+0.8% YoY
|
Bottom 14.3% in tier |
| Non-Interest Income / Assets ? |
0.04%
-18.2% YoY
-84.5% QoQ
|
-0.63% |
0.67%
+1.6% YoY
|
0.15%
+3.6% YoY
|
0.32%
+4.0% YoY
|
34% |
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Signature Analysis
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Metric Rankings
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