BlastPoint's Banking Scorecard

Integrity Bank Plus

under $100M Specialty: Agricultural MN FDIC cert 15578

Designations: ✓ Community bank

Wabasso, MN

2 branches across MN

537 banks in the under $100M peer group nationally 54 in MN

Integrity Bank Plus has 3 strengths but faces 1 concern

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

+ ROA 0.96% above tier average
+ Net Interest Margin 0.75% above tier average
+ Efficiency Ratio 31.26% below tier average

Key Concerns

Areas that may need attention

- Delinquency Rate 0.92% above tier average

Get updates when Integrity Bank Plus releases new data →

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	+$32.0M	$62.3M -0.5% YoY	$514.9M +5.5% YoY	$6.2B +9.0% YoY	Top 7.8% in tier
Total Loans ?	$64.7M +18.5% YoY -0.3% QoQ	+$30.4M	$34.3M -1.5% YoY	$289.5M +6.9% YoY	$3.2B +10.7% YoY	Top 8.4% in tier
Total Deposits ?	$83.2M +6.4% YoY +6.3% QoQ	+$31.4M	$51.8M -0.6% YoY	$445.6M +5.0% YoY	$4.8B +8.0% YoY	Top 5.0% in tier
Return on Assets ?	1.82% +10.4% YoY +38.6% QoQ	+0.96%	0.86% -3.6% YoY	1.14% +11.1% YoY	1.24% +13.1% YoY	Top 13.6% in tier
Net Interest Margin ?	4.62% +2.6% YoY +0.2% QoQ	+0.75%	3.87% +2.7% YoY	3.93% +7.5% YoY	3.89% +5.7% YoY	79%
Efficiency Ratio ?	56.37% +7.8% YoY -14.5% QoQ	-31.26%	87.63% +2.3% YoY	64.52% -3.4% YoY	66.84% -3.8% YoY	82%
Delinquency Rate ?	2.28% -41.3% YoY +4.3% QoQ	+0.92%	1.36% +33.7% YoY	1.04% +28.5% YoY	0.95% +18.8% YoY	18%
Loan-to-Deposit Ratio ?	77.71% +11.4% YoY -6.2% QoQ	+13.60%	64.11% -0.9% YoY	76.74% -0.5% YoY	76.69% +0.9% YoY	30%
Non-Interest-Bearing Deposit Share ?	31.70% +1.8% YoY -4.6% QoQ	+7.92%	23.79% +0.5% YoY	21.89% -0.8% YoY	22.01% -1.1% YoY	77%
Nonperforming Asset Ratio ?	1.57% -35.3% YoY -0.5% QoQ	+0.79%	0.77% +28.7% YoY	0.77% +26.8% YoY	0.66% +19.3% YoY	Bottom 14.7% in tier
Tier 1 Capital Ratio ?	14.64% -7.1% YoY +4.5% QoQ	-12.13%	26.77% +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	-0.65%	0.67% +1.6% YoY	0.15% +3.6% YoY	0.32% +4.0% YoY	16%

Get Full Access to Integrity Bank Plus

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

Want to see an example first? Preview JPMorgan Chase's scorecard →

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 537 peers in under $100M

Top Strengths (7 metrics)

Total Deposits

size

Value: $83.22M

Peer Median: $51.83M

#28 of 537 Top 5.0% in under $100M

Total Assets

size

Value: $94.26M

Peer Median: $62.28M

#43 of 537 Top 7.8% in under $100M

Total Loans

size

Value: $64.67M

Peer Median: $34.29M

#46 of 537 Top 8.4% in under $100M

Return on Assets

profitability

Value: 1.82%

Peer Median: 0.86%

#74 of 537 Top 13.6% in under $100M

Efficiency Ratio

profitability

Value: 56.37%

Peer Median: 87.63%

#98 of 537 Top 18.1% in under $100M

113

Net Interest Margin

profitability

Value: 4.62%

Peer Median: 3.87%

#113 of 537 Top 20.9% in under $100M

124

Non-Interest-Bearing Deposit Share

funding

Value: 31.70%

Peer Median: 23.79%

#124 of 537 Top 22.9% in under $100M

Top Weaknesses (3 metrics)

459

Nonperforming Asset Ratio

credit_quality

Value: 1.57%

Peer Median: 0.77%

#459 of 537 Bottom 14.7% in under $100M

451

Non-Interest Income / Assets

revenue_mix

Value: 0.02%

Peer Median: 0.67%

#451 of 537 Bottom 16.2% in under $100M

425

Delinquency Rate

credit_quality

Value: 2.28%

Peer Median: 1.36%

#425 of 517 Bottom 18.0% in under $100M