BlastPoint's Banking Scorecard
Integrity Bank Plus
Designations: ✓ Community bank
Wabasso, MN
2 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 536 banks in the under $100M peer group nationwide — 1 of 52 in MN.
- Deposits +6.6% year over year ($81.8M on the books).
- Delinquency rate 2.31%.
- Return on assets 1.73%.
- Efficiency ratio 55.81% vs a 119.40% peer average.
- Loan-to-deposit ratio 79.96% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Integrity Bank Plus has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.73% above tier average
- + Net Interest Margin 0.88% above tier average
- + Efficiency Ratio 63.59% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 0.83% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$93.4M
+6.5% YoY
-0.9% QoQ
|
+$30.9M |
$62.4M
-0.0% YoY
|
$524.5M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
Top 9.1% in tier |
| Total Loans ? |
$65.4M
+3.7% YoY
+1.1% QoQ
|
+$30.5M |
$34.9M
-0.6% YoY
|
$300.2M
+7.3% YoY
|
$3.2B
+9.4% YoY
|
Top 8.6% in tier |
| Total Deposits ? |
$81.8M
+6.6% YoY
-1.7% QoQ
|
+$30.1M |
$51.6M
-0.2% YoY
|
$452.1M
+5.5% YoY
|
$4.9B
+7.3% YoY
|
Top 7.3% in tier |
| Return on Assets ? |
1.73%
+14.9% YoY
-4.7% QoQ
|
+0.73% |
1.00%
+3.5% YoY
|
1.26%
+17.2% YoY
|
1.30%
+12.1% YoY
|
82% |
| Net Interest Margin ? |
4.79%
+7.1% YoY
+3.6% QoQ
|
+0.88% |
3.91%
+2.3% YoY
|
4.00%
+6.8% YoY
|
3.95%
+4.9% YoY
|
83% |
| Efficiency Ratio ? |
55.81%
-5.0% YoY
-1.0% QoQ
|
-63.59% |
119.40%
+49.6% YoY
|
63.00%
-3.5% YoY
|
70.05%
+2.5% YoY
|
82% |
| Delinquency Rate ? |
2.31%
-22.7% YoY
+1.2% QoQ
|
+0.83% |
1.48%
+31.8% YoY
|
1.01%
+19.3% YoY
|
0.98%
+16.3% YoY
|
18% |
| Loan-to-Deposit Ratio ? |
79.96%
-2.7% YoY
+2.9% QoQ
|
+5.75% |
74.21%
+12.6% YoY
|
78.29%
-0.6% YoY
|
79.03%
+2.3% YoY
|
30% |
| Non-Interest-Bearing Deposit Share ? |
29.48%
-9.9% YoY
-7.0% QoQ
|
+5.99% |
23.49%
+0.6% YoY
|
21.79%
+0.9% YoY
|
21.98%
-0.6% YoY
|
73% |
| Nonperforming Asset Ratio ? |
1.62%
-24.6% YoY
+3.3% QoQ
|
+0.78% |
0.84%
+23.0% YoY
|
0.76%
+16.9% YoY
|
0.69%
+15.8% YoY
|
Bottom 14.0% in tier |
| Tier 1 Capital Ratio ? |
14.97%
+8.5% YoY
+2.3% QoQ
|
-12.15% |
27.13%
+3.0% YoY
|
15.35%
-0.4% YoY
|
17.09%
+0.8% YoY
|
47% |
| Non-Interest Income / Assets ? |
0.04%
-39.8% YoY
+97.1% QoQ
|
-1.34% |
1.38%
+6.3% YoY
|
0.31%
+3.9% YoY
|
0.66%
+5.2% YoY
|
15% |
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 |
29.5%
-3.2pp YoY -2.2pp QoQ |
+4.8pp | 24.6% | 21.9% | 22.2% | 71% |
| Brokered Deposits | n/a | n/a | 9.8% | 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 |
15.3%
-1.5pp YoY -0.7pp QoQ |
+1.9pp | 13.4% | 14.6% | 12.5% | 69% |
| CRE |
17.9%
-0.1pp YoY +0.4pp QoQ |
-7.3pp | 25.2% | 36.5% | 41.4% | 42% |
| 1-4 Family |
7.8%
+0.1pp YoY -0.1pp QoQ |
-27.2pp | 35.0% | 29.4% | 31.3% | 18% |
| Consumer |
0.6%
-0.1pp YoY 0.0pp QoQ |
-7.0pp | 7.7% | 4.5% | 5.0% | 8% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
15.0%
+1.2pp YoY +0.3pp QoQ |
-23.7pp | 38.7% | 16.5% | 19.7% | 22% |
| Leverage Ratio |
11.5%
+0.4pp YoY +0.1pp QoQ |
-6.2pp | 17.7% | 11.0% | 12.6% | 35% |
| Total Capital Ratio |
16.2%
+1.2pp YoY +0.3pp QoQ |
-23.4pp | 39.7% | 17.6% | 20.8% | 24% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
15
0 YoY 0 QoQ |
+3 | 12 | 55 | 482 | 73% |
| Assets per Employee ($) |
$6.2M
+6.5% YoY -0.9% QoQ |
+$36K | $6.2M | $8.6M | $8.8M | 54% |
| Branch Count |
2
0 YoY 0 QoQ |
+0 | 1 | 4 | 18 | 63% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.5%
+0.2pp YoY +0.1pp QoQ |
-0.5pp | 1.0% | 0.4% | 0.4% | 52% |
| Nonaccrual |
1.8%
-0.9pp YoY -0.1pp QoQ |
+0.1pp | 1.7% | 1.0% | 1.0% | 71% |
| Allowance Coverage |
0.76x
+15.9% YoY +8.6% QoQ |
-5.65x | 6.41x | 20.41x | 20.23x | 36% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.2% | 0.2% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
16.7%
+0.2pp YoY -1.1pp QoQ |
+10.3pp | 6.4% | 13.1% | 11.6% | 89% |
| Cost of Funds (YTD) |
1.1%
-0.1pp YoY 0.0pp QoQ |
-0.3pp | 1.4% | 1.7% | 1.7% | 33% |
| Net Income ($, YTD) |
$802,000
+20.2% YoY — QoQ |
+$484K | $317,817 | $4.5M | $40.4M | 91% |
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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.