BlastPoint's Banking Scorecard
Integrity Bank Plus
Designations: ✓ Community bank
Wabasso, MN
2 branches across MN
Integrity Bank Plus has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.98% above tier average
- + Net Interest Margin 0.76% above tier average
- + Efficiency Ratio 31.98% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 0.91% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$94.3M
+7.6% YoY
+4.6% QoQ
|
+$32.1M |
$62.2M
-0.6% YoY
|
$512.9M
+5.5% YoY
|
$6.2B
+9.1% YoY
|
Top 7.8% in tier |
| Total Loans ? |
$64.7M
+18.5% YoY
-0.3% QoQ
|
+$30.4M |
$34.2M
-1.4% YoY
|
$288.3M
+6.9% YoY
|
$3.2B
+10.8% YoY
|
Top 8.3% in tier |
| Total Deposits ? |
$83.2M
+6.4% YoY
+6.3% QoQ
|
+$31.5M |
$51.7M
-0.7% YoY
|
$443.8M
+5.0% YoY
|
$4.8B
+8.2% YoY
|
Top 5.0% in tier |
| Return on Assets ? |
1.82%
+10.4% YoY
+38.6% QoQ
|
+0.98% |
0.84%
-2.3% YoY
|
1.13%
+10.7% YoY
|
1.23%
+13.4% YoY
|
Top 13.5% in tier |
| Net Interest Margin ? |
4.62%
+2.6% YoY
+0.2% QoQ
|
+0.76% |
3.86%
+2.8% YoY
|
3.93%
+7.5% YoY
|
3.89%
+5.7% YoY
|
79% |
| Efficiency Ratio ? |
56.37%
+7.8% YoY
-14.5% QoQ
|
-31.98% |
88.34%
+0.3% YoY
|
64.77%
-3.3% YoY
|
66.95%
-4.1% YoY
|
82% |
| Delinquency Rate ? |
2.28%
-41.3% YoY
+4.3% QoQ
|
+0.91% |
1.37%
+33.8% YoY
|
1.04%
+28.9% YoY
|
0.95%
+18.8% YoY
|
18% |
| Loan-to-Deposit Ratio ? |
77.71%
+11.4% YoY
-6.2% QoQ
|
+13.50% |
64.22%
-0.7% YoY
|
76.69%
-0.4% YoY
|
76.70%
+0.9% YoY
|
30% |
| Non-Interest-Bearing Deposit Share ? |
31.70%
+1.8% YoY
-4.6% QoQ
|
+7.99% |
23.71%
+0.3% YoY
|
21.87%
-0.9% YoY
|
22.01%
-1.2% YoY
|
77% |
| Nonperforming Asset Ratio ? |
1.57%
-35.3% YoY
-0.5% QoQ
|
+0.78% |
0.79%
+28.2% YoY
|
0.77%
+27.1% YoY
|
0.67%
+19.3% YoY
|
Bottom 15.0% in tier |
| Tier 1 Capital Ratio ? |
14.64%
-7.1% YoY
+4.5% QoQ
|
-12.04% |
26.68%
+2.0% YoY
|
15.37%
+0.7% YoY
|
17.06%
+0.8% YoY
|
44% |
| Non-Interest Income / Assets ? |
0.02%
-21.9% YoY
-80.7% QoQ
|
-0.64% |
0.67%
+1.9% YoY
|
0.16%
+5.0% YoY
|
0.32%
+4.1% YoY
|
16% |
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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.