BlastPoint's Banking Scorecard

Northern State Bank of Thief River Falls

$100M-$1B Specialty: Agricultural MN FDIC cert 15286

Thief River Falls, MN

3 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 +21.4% year over year ($499.3M on the books).
Delinquency rate 0.58%.
Return on assets 1.10%.
Efficiency ratio 53.73% vs a 64.48% peer average.
Loan-to-deposit ratio 38.70% 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) →

Northern State Bank of Thief River Falls has 2 strengths but faces 4 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 10.75% below tier average
+ Delinquency Rate 0.34% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 46.3% in tier
- Net Interest Margin 1.42% below tier average
- Non-Interest Income / Assets 0.51% below tier average
- ROA 0.23% below tier average

Get updates when Northern State Bank of Thief River Falls releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Total Assets ?	$550.0M +19.2% YoY +14.1% QoQ	+$163.4M	$386.6M +1.2% YoY	$524.5M +5.8% YoY	$6.3B +7.7% YoY	76%
Total Loans ?	$193.2M -1.5% YoY +2.6% QoQ	-$65.1M	$258.3M +1.7% YoY	$300.2M +7.3% YoY	$3.2B +9.4% YoY	47%
Total Deposits ?	$499.3M +21.4% YoY +15.4% QoQ	+$172.6M	$326.7M +0.7% YoY	$452.1M +5.5% YoY	$4.9B +7.3% YoY	80%
Return on Assets ?	1.10% +29.6% YoY +2.9% QoQ	-0.23%	1.32% +10.8% YoY	1.26% +17.2% YoY	1.30% +12.1% YoY	40%
Net Interest Margin ?	2.57% -4.1% YoY -0.3% QoQ	-1.42%	3.99% +5.0% YoY	4.00% +6.8% YoY	3.95% +4.9% YoY	Bottom 3.4% in tier
Efficiency Ratio ?	53.73% -3.5% YoY +2.9% QoQ	-10.75%	64.48% -3.2% YoY	63.00% -3.5% YoY	70.05% +2.5% YoY	75%
Delinquency Rate ?	0.58% +107.2% YoY -11.5% QoQ	-0.34%	0.92% +15.7% YoY	1.01% +19.3% YoY	0.98% +16.3% YoY	43%
Loan-to-Deposit Ratio ?	38.70% -18.8% YoY -11.1% QoQ	-39.25%	77.95% +1.0% YoY	78.29% -0.6% YoY	79.03% +2.3% YoY	Top 3.6% in tier
Non-Interest-Bearing Deposit Share ?	10.05% -13.5% YoY -16.7% QoQ	-11.98%	22.03% -0.6% YoY	21.79% +0.9% YoY	21.98% -0.6% YoY	Bottom 10.7% in tier
Nonperforming Asset Ratio ?	0.22% +82.6% YoY -19.9% QoQ	-0.45%	0.67% +16.4% YoY	0.76% +16.9% YoY	0.69% +15.8% YoY	59%
Tier 1 Capital Ratio ?	24.96% -0.9% YoY +1.3% QoQ	+9.05%	15.91% +1.4% YoY	15.35% -0.4% YoY	17.09% +0.8% YoY	Top 6.9% in tier
Non-Interest Income / Assets ?	0.06% -23.8% YoY +74.8% QoQ	-0.51%	0.57% +7.6% YoY	0.31% +3.9% YoY	0.66% +5.2% YoY	Bottom 7.3% in tier

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	10.1% -1.6pp YoY -2.0pp QoQ	-12.1pp	22.1%	21.9%	22.2%	10%
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	15.7% +2.5pp YoY +0.8pp QoQ	+4.1pp	11.6%	14.6%	12.5%	78%
CRE	26.3% +0.1pp YoY -0.3pp QoQ	-13.2pp	39.5%	36.5%	41.4%	28%
1-4 Family	23.4% +0.8pp YoY -0.3pp QoQ	-9.2pp	32.6%	29.4%	31.3%	38%
Consumer	9.6% -0.1pp YoY -0.2pp QoQ	+5.5pp	4.1%	4.5%	5.0%	91%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
CET1 Ratio	25.0% -0.2pp YoY +0.3pp QoQ	+6.1pp	18.8%	16.5%	19.7%	89%
Leverage Ratio	9.9% -0.9pp YoY 0.0pp QoQ	-2.3pp	12.2%	11.0%	12.6%	29%
Total Capital Ratio	26.2% -0.2pp YoY +0.3pp QoQ	+6.3pp	19.9%	17.6%	20.8%	89%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Full-Time Employees	48 -3 (-5.9%) YoY -1 (-2.0%) QoQ	-11	58	55	482	50%
Assets per Employee ($)	$11.5M +26.6% YoY +16.4% QoQ	+$3.9M	$7.5M	$8.6M	$8.8M	91%
Branch Count	3 0 YoY 0 QoQ	-2	4	4	18	26%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Past Due 90+ Days	0.3% +0.1pp YoY -0.3pp QoQ	0.0pp	0.3%	0.4%	0.4%	73%
Nonaccrual	0.3% +0.2pp YoY +0.2pp QoQ	-0.6pp	0.9%	1.0%	1.0%	38%
Allowance Coverage	2.39x -52.5% YoY +13.3% QoQ	-21.76x	24.15x	20.41x	20.23x	52%
Net Charge-off Rate (YTD)	n/a	n/a	0.1%	0.2%	0.2%	n/a

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
ROE	11.5% +3.3pp YoY +0.7pp QoQ	-0.7pp	12.2%	13.1%	11.6%	46%
Cost of Funds (YTD)	2.0% -0.3pp YoY -0.1pp QoQ	+0.3pp	1.7%	1.7%	1.7%	73%
Net Income ($, YTD)	$2.8M +43.4% YoY — QoQ	+$232K	$2.6M	$4.5M	$40.4M	67%

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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 (1)

Credit Quality Pressure

risk

#582 of 1256 • Bottom 46.3% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.58%

(Tier: 0.92%, National: 0.98%)

better than tier avg

1256 of 1256 Community banks match · 1820 nationally

→ Stable -71 banks QoQ | QoQ rank improving

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 (4 metrics)

Loan-to-Deposit Ratio

liquidity

Value: 38.70%

Peer Median: 77.95%

#97 of 2643 Top 3.6% in $100M-$1B

183

Tier 1 Capital Ratio

capital

Value: 24.96%

Peer Median: 15.91%

#183 of 2643 Top 6.9% in $100M-$1B

537

Total Deposits

size

Value: $499.31M

Peer Median: $326.73M

#537 of 2643 Top 20.3% in $100M-$1B

630

Total Assets

size

Value: $549.99M

Peer Median: $386.57M

#630 of 2643 Top 23.8% in $100M-$1B

Top Weaknesses (3 metrics)

2554

Net Interest Margin

profitability

Value: 2.57%

Peer Median: 3.99%

#2554 of 2643 Bottom 3.4% in $100M-$1B

2450

Non-Interest Income / Assets

revenue_mix

Value: 0.06%

Peer Median: 0.57%

#2450 of 2643 Bottom 7.3% in $100M-$1B

2361

Non-Interest-Bearing Deposit Share

funding

Value: 10.05%

Peer Median: 22.03%

#2361 of 2643 Bottom 10.7% in $100M-$1B