BlastPoint's Banking Scorecard
The Bank of Elk River
Elk River, MN
4 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 151 in MN.
- Deposits +0.8% year over year ($661.2M on the books).
- Delinquency rate 1.21%.
- Return on assets 0.83%.
- Efficiency ratio 69.71% vs a 64.48% peer average.
- Loan-to-deposit ratio 68.40% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The Bank of Elk River faces 4 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - ROA 0.49% below tier average
- - Net Interest Margin 0.43% below tier average
- - Efficiency Ratio 5.23% above tier average
- - Delinquency Rate 0.29% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$719.1M
+2.4% YoY
+0.6% QoQ
|
+$332.5M |
$386.6M
+1.2% YoY
|
$524.5M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
Top 11.8% in tier |
| Total Loans ? |
$452.3M
+8.2% YoY
+1.0% QoQ
|
+$194.0M |
$258.3M
+1.7% YoY
|
$300.2M
+7.3% YoY
|
$3.2B
+9.4% YoY
|
84% |
| Total Deposits ? |
$661.2M
+0.8% YoY
+0.2% QoQ
|
+$334.5M |
$326.7M
+0.7% YoY
|
$452.1M
+5.5% YoY
|
$4.9B
+7.3% YoY
|
Top 8.8% in tier |
| Return on Assets ? |
0.83%
-5.5% YoY
+25.5% QoQ
|
-0.49% |
1.32%
+10.8% YoY
|
1.26%
+17.2% YoY
|
1.30%
+12.1% YoY
|
25% |
| Net Interest Margin ? |
3.55%
+7.8% YoY
+3.3% QoQ
|
-0.43% |
3.99%
+5.0% YoY
|
4.00%
+6.8% YoY
|
3.95%
+4.9% YoY
|
30% |
| Efficiency Ratio ? |
69.71%
-3.0% YoY
-3.3% QoQ
|
+5.23% |
64.48%
-3.2% YoY
|
63.00%
-3.5% YoY
|
70.05%
+2.5% YoY
|
31% |
| Delinquency Rate ? |
1.21%
+390.7% YoY
+33.3% QoQ
|
+0.29% |
0.92%
+15.7% YoY
|
1.01%
+19.3% YoY
|
0.98%
+16.3% YoY
|
24% |
| Loan-to-Deposit Ratio ? |
68.40%
+7.3% YoY
+0.8% QoQ
|
-9.55% |
77.95%
+1.0% YoY
|
78.29%
-0.6% YoY
|
79.03%
+2.3% YoY
|
72% |
| Non-Interest-Bearing Deposit Share ? |
23.68%
-1.8% YoY
+0.9% QoQ
|
+1.65% |
22.03%
-0.6% YoY
|
21.79%
+0.9% YoY
|
21.98%
-0.6% YoY
|
61% |
| Nonperforming Asset Ratio ? |
0.76%
+418.8% YoY
+33.8% QoQ
|
+0.09% |
0.67%
+16.4% YoY
|
0.76%
+16.9% YoY
|
0.69%
+15.8% YoY
|
28% |
| Tier 1 Capital Ratio ? |
13.64%
-1.6% YoY
-1.3% QoQ
|
-2.27% |
15.91%
+1.4% YoY
|
15.35%
-0.4% YoY
|
17.09%
+0.8% YoY
|
54% |
| Non-Interest Income / Assets ? |
0.32%
+8.6% YoY
+97.3% QoQ
|
-0.25% |
0.57%
+7.6% YoY
|
0.31%
+3.9% YoY
|
0.66%
+5.2% YoY
|
75% |
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 |
23.7%
-0.4pp YoY +0.2pp QoQ |
+1.5pp | 22.1% | 21.9% | 22.2% | 61% |
| Brokered Deposits |
0.0%
0.0pp YoY 0.0pp QoQ |
-7.8pp | 7.9% | 8.3% | 8.5% | 5% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
20.5%
-3.0pp YoY -0.6pp QoQ |
+8.9pp | 11.6% | 14.6% | 12.5% | 89% |
| CRE |
48.4%
+2.2pp YoY +0.1pp QoQ |
+8.8pp | 39.5% | 36.5% | 41.4% | 68% |
| 1-4 Family |
27.5%
+2.2pp YoY +0.9pp QoQ |
-5.1pp | 32.6% | 29.4% | 31.3% | 46% |
| Consumer |
4.6%
-1.1pp YoY -0.2pp QoQ |
+0.5pp | 4.1% | 4.5% | 5.0% | 75% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
13.6%
-0.2pp YoY -0.2pp QoQ |
-5.2pp | 18.8% | 16.5% | 19.7% | 35% |
| Leverage Ratio |
9.1%
+0.4pp YoY +0.1pp QoQ |
-3.0pp | 12.2% | 11.0% | 12.6% | 14% |
| Total Capital Ratio |
14.8%
-0.1pp YoY -0.1pp QoQ |
-5.1pp | 19.9% | 17.6% | 20.8% | 35% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
94
+2 (+2.2%) YoY -4 (-4.1%) QoQ |
+35 | 58 | 55 | 482 | 84% |
| Assets per Employee ($) |
$7.6M
+0.2% YoY +4.9% QoQ |
+$131K | $7.5M | $8.6M | $8.8M | 63% |
| Branch Count |
4
0 YoY 0 QoQ |
-1 | 4 | 4 | 18 | 42% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
-0.2pp YoY 0.0pp QoQ |
-0.3pp | 0.3% | 0.4% | 0.4% | 39% |
| Nonaccrual |
1.2%
+1.1pp YoY +0.3pp QoQ |
+0.2pp | 0.9% | 1.0% | 1.0% | 75% |
| Allowance Coverage |
0.97x
-77.5% YoY -18.4% QoQ |
-23.18x | 24.15x | 20.41x | 20.23x | 26% |
| Net Charge-off Rate (YTD) |
0.5%
+0.4pp YoY -0.5pp QoQ |
+0.3pp | 0.1% | 0.2% | 0.2% | 94% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
12.4%
-3.3pp YoY +2.5pp QoQ |
+0.2pp | 12.2% | 13.1% | 11.6% | 52% |
| Cost of Funds (YTD) |
1.4%
-0.1pp YoY 0.0pp QoQ |
-0.3pp | 1.7% | 1.7% | 1.7% | 32% |
| Net Income ($, YTD) |
$3.0M
-2.1% YoY — QoQ |
+$432K | $2.6M | $4.5M | $40.4M | 70% |
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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.