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

2664 banks in the $100M-$1B peer group nationally 152 in MN

Northern State Bank of Thief River Falls has 2 strengths 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 13.05% below tier average
+ Delinquency Rate 0.23% below tier average

Key Concerns

Areas that may need attention

- Net Interest Margin 1.35% below tier average
- Non-Interest Income / Assets 0.25% below tier average
- ROA 0.20% 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 ?	$482.2M +7.9% YoY -2.5% QoQ	+$96.1M	$386.1M +0.5% YoY	$512.9M +5.5% YoY	$6.2B +9.1% YoY	70%
Total Loans ?	$188.3M -1.9% YoY -4.1% QoQ	-$67.4M	$255.7M +1.1% YoY	$288.3M +6.9% YoY	$3.2B +10.8% YoY	46%
Total Deposits ?	$432.7M +8.6% YoY -2.7% QoQ	+$104.7M	$328.0M +0.1% YoY	$443.8M +5.0% YoY	$4.8B +8.2% YoY	73%
Return on Assets ?	1.07% +16.0% YoY +13.1% QoQ	-0.20%	1.27% +12.9% YoY	1.13% +10.7% YoY	1.23% +13.4% YoY	42%
Net Interest Margin ?	2.58% -4.2% YoY -2.3% QoQ	-1.35%	3.93% +6.0% YoY	3.93% +7.5% YoY	3.89% +5.7% YoY	Bottom 3.8% in tier
Efficiency Ratio ?	52.24% -7.8% YoY -7.0% QoQ	-13.05%	65.29% -4.5% YoY	64.77% -3.3% YoY	66.95% -4.1% YoY	80%
Delinquency Rate ?	0.66% +281.6% YoY +84.1% QoQ	-0.23%	0.89% +18.8% YoY	1.04% +28.9% YoY	0.95% +18.8% YoY	38%
Loan-to-Deposit Ratio ?	43.52% -9.6% YoY -1.4% QoQ	-33.12%	76.64% +0.8% YoY	76.69% -0.4% YoY	76.70% +0.9% YoY	Top 5.6% in tier
Non-Interest-Bearing Deposit Share ?	12.07% -4.3% YoY +4.5% QoQ	-9.95%	22.02% -1.0% YoY	21.87% -0.9% YoY	22.01% -1.2% YoY	Bottom 14.9% in tier
Nonperforming Asset Ratio ?	0.27% +267.6% YoY +91.8% QoQ	-0.37%	0.64% +19.7% YoY	0.77% +27.1% YoY	0.67% +19.3% YoY	53%
Tier 1 Capital Ratio ?	24.65% -2.6% YoY +5.5% QoQ	+8.82%	15.83% +1.5% YoY	15.37% +0.7% YoY	17.06% +0.8% YoY	Top 6.9% in tier
Non-Interest Income / Assets ?	0.03% -11.7% YoY -78.2% QoQ	-0.25%	0.28% +9.3% YoY	0.16% +5.0% YoY	0.32% +4.1% YoY	Bottom 9.9% in tier

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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 2664 peers in $100M-$1B

Top Strengths (3 metrics)

151

Loan-to-Deposit Ratio

liquidity

Value: 43.52%

Peer Median: 76.64%

#151 of 2664 Top 5.6% in $100M-$1B

184

Tier 1 Capital Ratio

capital

Value: 24.65%

Peer Median: 15.83%

#184 of 2664 Top 6.9% in $100M-$1B

537

Efficiency Ratio

profitability

Value: 52.24%

Peer Median: 65.29%

#537 of 2664 Top 20.1% in $100M-$1B

Top Weaknesses (3 metrics)

2565

Net Interest Margin

profitability

Value: 2.58%

Peer Median: 3.93%

#2565 of 2664 Bottom 3.8% in $100M-$1B

2400

Non-Interest Income / Assets

revenue_mix

Value: 0.03%

Peer Median: 0.28%

#2400 of 2664 Bottom 9.9% in $100M-$1B

2267

Non-Interest-Bearing Deposit Share

funding

Value: 12.07%

Peer Median: 22.02%

#2267 of 2664 Bottom 14.9% in $100M-$1B