BlastPoint's Banking Scorecard

The State Bank of Faribault

$100M-$1B Specialty: Commercial MN FDIC cert 1610

Faribault, MN

3 branches across MN

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

The State Bank of Faribault has 1 strength but faces 2 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

+ Net Interest Margin 0.12% above tier average

Key Concerns

Areas that may need attention

- ROA 0.11% below tier average
- Efficiency Ratio 4.94% above 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 ?	$323.2M +3.5% YoY +2.2% QoQ	-$62.9M	$386.1M +0.5% YoY	$512.9M +5.5% YoY	$6.2B +9.1% YoY	50%
Total Loans ?	$177.7M +5.9% YoY +1.8% QoQ	-$78.0M	$255.7M +1.1% YoY	$288.3M +6.9% YoY	$3.2B +10.8% YoY	44%
Total Deposits ?	$296.6M +1.9% YoY +4.0% QoQ	-$31.4M	$328.0M +0.1% YoY	$443.8M +5.0% YoY	$4.8B +8.2% YoY	54%
Return on Assets ?	1.16% +63.0% YoY +59.8% QoQ	-0.11%	1.27% +12.9% YoY	1.13% +10.7% YoY	1.23% +13.4% YoY	47%
Net Interest Margin ?	4.05% +12.6% YoY +7.4% QoQ	+0.12%	3.93% +6.0% YoY	3.93% +7.5% YoY	3.89% +5.7% YoY	60%
Efficiency Ratio ?	70.22% -10.9% YoY -13.4% QoQ	+4.94%	65.29% -4.5% YoY	64.77% -3.3% YoY	66.95% -4.1% YoY	32%
Delinquency Rate ?	0.84% +9.4% QoQ	-0.05%	0.89% +18.8% YoY	1.04% +28.9% YoY	0.95% +18.8% YoY	32%
Loan-to-Deposit Ratio ?	59.93% +3.9% YoY -2.1% QoQ	-16.71%	76.64% +0.8% YoY	76.69% -0.4% YoY	76.70% +0.9% YoY	82%
Non-Interest-Bearing Deposit Share ?	26.62% +2.1% YoY -6.4% QoQ	+4.60%	22.02% -1.0% YoY	21.87% -0.9% YoY	22.01% -1.2% YoY	72%
Nonperforming Asset Ratio ?	0.46% +9.0% QoQ	-0.18%	0.64% +19.7% YoY	0.77% +27.1% YoY	0.67% +19.3% YoY	40%
Tier 1 Capital Ratio ?	13.22% +8.2% YoY +6.0% QoQ	-2.61%	15.83% +1.5% YoY	15.37% +0.7% YoY	17.06% +0.8% YoY	49%
Non-Interest Income / Assets ?	0.21% +29.9% YoY -71.6% QoQ	-0.07%	0.28% +9.3% YoY	0.16% +5.0% YoY	0.32% +4.1% YoY	Top 12.5% 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 (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 2664 peers in $100M-$1B

Top Strengths (2 metrics)

333

Non-Interest Income / Assets

revenue_mix

Value: 0.21%

Peer Median: 0.28%

#333 of 2664 Top 12.5% in $100M-$1B

486

Loan-to-Deposit Ratio

liquidity

Value: 59.93%

Peer Median: 76.64%

#486 of 2664 Top 18.2% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available