BlastPoint's Banking Scorecard

Red River State Bank

$100M-$1B Specialty: Agricultural MN FDIC cert 15820

Halstad, MN

2 branches across MN

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

Red River State Bank has 3 strengths but faces 6 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

+ Profitability Leader: Top 18.8% in tier
+ Deposit Franchise: Top 35.7% in tier
+ Efficiency Ratio 7.76% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 4.2% in tier
- Cost Spiral: Bottom 12.7% in tier
- Capital Constraint: Bottom 50.9% in tier
- Delinquency Rate 7.76% above tier average
- Nonperforming Asset Ratio 6.39% above tier average
- Non-Interest Income / Assets 0.25% 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 ?	$120.2M -4.3% YoY -0.2% QoQ	-$265.9M	$386.1M +0.5% YoY	$512.9M +5.5% YoY	$6.2B +9.1% YoY	Bottom 5.9% in tier
Total Loans ?	$97.8M -5.3% YoY -5.8% QoQ	-$158.0M	$255.7M +1.1% YoY	$288.3M +6.9% YoY	$3.2B +10.8% YoY	19%
Total Deposits ?	$102.4M -5.4% YoY -0.8% QoQ	-$225.6M	$328.0M +0.1% YoY	$443.8M +5.0% YoY	$4.8B +8.2% YoY	Bottom 6.6% in tier
Return on Assets ?	2.10% +36.2% YoY +277.7% QoQ	+0.83%	1.27% +12.9% YoY	1.13% +10.7% YoY	1.23% +13.4% YoY	Top 10.3% in tier
Net Interest Margin ?	5.84% +37.6% YoY +39.6% QoQ	+1.91%	3.93% +6.0% YoY	3.93% +7.5% YoY	3.89% +5.7% YoY	Top 1.8% in tier
Efficiency Ratio ?	57.52% +9.9% YoY -13.0% QoQ	-7.76%	65.29% -4.5% YoY	64.77% -3.3% YoY	66.95% -4.1% YoY	67%
Delinquency Rate ?	8.64% +4.5% YoY -29.5% QoQ	+7.76%	0.89% +18.8% YoY	1.04% +28.9% YoY	0.95% +18.8% YoY	Bottom 0.3% in tier
Loan-to-Deposit Ratio ?	95.45% +0.1% YoY -5.0% QoQ	+18.81%	76.64% +0.8% YoY	76.69% -0.4% YoY	76.70% +0.9% YoY	Bottom 14.9% in tier
Non-Interest-Bearing Deposit Share ?	31.68% +14.2% YoY +5.0% QoQ	+9.66%	22.02% -1.0% YoY	21.87% -0.9% YoY	22.01% -1.2% YoY	Top 14.3% in tier
Nonperforming Asset Ratio ?	7.03% +3.4% YoY -33.4% QoQ	+6.39%	0.64% +19.7% YoY	0.77% +27.1% YoY	0.67% +19.3% YoY	Bottom 0.4% in tier
Tier 1 Capital Ratio ?	14.23% +8.2% YoY +6.0% QoQ	-1.60%	15.83% +1.5% YoY	15.37% +0.7% YoY	17.06% +0.8% YoY	59%
Non-Interest Income / Assets ?	0.03% +1.4% YoY -72.1% QoQ	-0.25%	0.28% +9.3% YoY	0.16% +5.0% YoY	0.32% +4.1% YoY	Bottom 6.5% 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 (2)

Profitability Leader

growth

#126 of 666 • Top 18.8% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 2.10%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ

Deposit Franchise

growth

#98 of 272 • Top 35.7% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature

Noninterest-Bearing Deposit Share: 31.68%

(Tier: 22.02%, National: 22.01%)

better than tier avg

Net Interest Margin: 5.84%

(Tier: 3.93%, National: 3.89%)

better than tier avg

272 of 272 Community banks match · 369 nationally

→ Stable -14 banks QoQ

Concerns (3)

Liquidity Strain

risk

#28 of 643 • Bottom 4.2% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 95.45%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank improving

Cost Spiral

risk

#17 of 126 • Bottom 12.7% in tier

Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.

Why this signature

Efficiency Ratio: 57.52%

(Tier: 65.29%, National: 66.95%)

better than tier avg

126 of 126 Community banks match · 176 nationally

↑ Growing +82 banks QoQ | QoQ rank improving

Capital Constraint

risk

#56 of 108 • Bottom 50.9% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.

Why this signature

Loan-to-Deposit Ratio: 95.45%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

Tier 1 Capital Ratio: 14.23%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

108 of 108 Community banks match · 148 nationally

↑ Growing +19 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 2664 peers in $100M-$1B

Top Strengths (3 metrics)

Net Interest Margin

profitability

Value: 5.84%

Peer Median: 3.93%

#49 of 2664 Top 1.8% in $100M-$1B

275

Return on Assets

profitability

Value: 2.10%

Peer Median: 1.27%

#275 of 2664 Top 10.3% in $100M-$1B

382

Non-Interest-Bearing Deposit Share

funding

Value: 31.68%

Peer Median: 22.02%

#382 of 2664 Top 14.3% in $100M-$1B

Top Weaknesses (7 metrics)

2646

Delinquency Rate

credit_quality

Value: 8.64%

Peer Median: 0.89%

#2646 of 2654 Bottom 0.3% in $100M-$1B

2655

Nonperforming Asset Ratio

credit_quality

Value: 7.03%

Peer Median: 0.64%

#2655 of 2664 Bottom 0.4% in $100M-$1B

2508

Total Assets

size

Value: $120.16M

Peer Median: $386.08M

#2508 of 2664 Bottom 5.9% in $100M-$1B

2491

Non-Interest Income / Assets

revenue_mix

Value: 0.03%

Peer Median: 0.28%

#2491 of 2664 Bottom 6.5% in $100M-$1B

2490

Total Deposits

size

Value: $102.41M

Peer Median: $327.97M

#2490 of 2664 Bottom 6.6% in $100M-$1B

2267

Loan-to-Deposit Ratio

liquidity

Value: 95.45%

Peer Median: 76.64%

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

2159

Total Loans

size

Value: $97.75M

Peer Median: $255.72M

#2159 of 2664 Bottom 19.0% in $100M-$1B