BlastPoint's Banking Scorecard
The State Bank of Faribault
Faribault, MN
3 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 +3.8% year over year ($301.4M on the books).
- Delinquency rate 0.13%.
- Return on assets 1.14%.
- Efficiency ratio 70.93% vs a 64.48% peer average.
- Loan-to-deposit ratio 58.35% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The State Bank of Faribault has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.13% above tier average
- + Delinquency Rate 0.78% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.19% below tier average
- - Efficiency Ratio 6.45% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$329.2M
+5.1% YoY
+1.9% QoQ
|
-$57.4M |
$386.6M
+1.2% YoY
|
$524.5M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
51% |
| Total Loans ? |
$175.9M
+0.8% YoY
-1.0% QoQ
|
-$82.5M |
$258.3M
+1.7% YoY
|
$300.2M
+7.3% YoY
|
$3.2B
+9.4% YoY
|
42% |
| Total Deposits ? |
$301.4M
+3.8% YoY
+1.6% QoQ
|
-$25.3M |
$326.7M
+0.7% YoY
|
$452.1M
+5.5% YoY
|
$4.9B
+7.3% YoY
|
55% |
| Return on Assets ? |
1.14%
+55.2% YoY
-1.6% QoQ
|
-0.19% |
1.32%
+10.8% YoY
|
1.26%
+17.2% YoY
|
1.30%
+12.1% YoY
|
43% |
| Net Interest Margin ? |
4.12%
+12.9% YoY
+1.7% QoQ
|
+0.13% |
3.99%
+5.0% YoY
|
4.00%
+6.8% YoY
|
3.95%
+4.9% YoY
|
60% |
| Efficiency Ratio ? |
70.93%
-10.3% YoY
+1.0% QoQ
|
+6.45% |
64.48%
-3.2% YoY
|
63.00%
-3.5% YoY
|
70.05%
+2.5% YoY
|
28% |
| Delinquency Rate ? |
0.13%
-80.6% YoY
-84.1% QoQ
|
-0.78% |
0.92%
+15.7% YoY
|
1.01%
+19.3% YoY
|
0.98%
+16.3% YoY
|
71% |
| Loan-to-Deposit Ratio ? |
58.35%
-2.9% YoY
-2.6% QoQ
|
-19.60% |
77.95%
+1.0% YoY
|
78.29%
-0.6% YoY
|
79.03%
+2.3% YoY
|
85% |
| Non-Interest-Bearing Deposit Share ? |
24.75%
-10.4% YoY
-7.0% QoQ
|
+2.72% |
22.03%
-0.6% YoY
|
21.79%
+0.9% YoY
|
21.98%
-0.6% YoY
|
65% |
| Nonperforming Asset Ratio ? |
0.84%
+117.9% YoY
+81.7% QoQ
|
+0.17% |
0.67%
+16.4% YoY
|
0.76%
+16.9% YoY
|
0.69%
+15.8% YoY
|
25% |
| Tier 1 Capital Ratio ? |
12.85%
+8.7% YoY
-2.7% QoQ
|
-3.05% |
15.91%
+1.4% YoY
|
15.35%
-0.4% YoY
|
17.09%
+0.8% YoY
|
45% |
| Non-Interest Income / Assets ? |
0.41%
+21.5% YoY
+97.3% QoQ
|
-0.15% |
0.57%
+7.6% YoY
|
0.31%
+3.9% YoY
|
0.66%
+5.2% YoY
|
Top 13.7% in tier |
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 |
24.8%
-2.9pp YoY -1.9pp QoQ |
+2.6pp | 22.1% | 21.9% | 22.2% | 65% |
| Brokered Deposits |
2.3%
+0.6pp YoY 0.0pp QoQ |
-5.5pp | 7.9% | 8.3% | 8.5% | 32% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
16.4%
+0.4pp YoY +0.1pp QoQ |
+4.9pp | 11.6% | 14.6% | 12.5% | 80% |
| CRE |
33.5%
-0.8pp YoY -0.7pp QoQ |
-6.1pp | 39.5% | 36.5% | 41.4% | 41% |
| 1-4 Family |
36.8%
+2.1pp YoY +0.8pp QoQ |
+4.2pp | 32.6% | 29.4% | 31.3% | 65% |
| Consumer |
3.2%
-0.8pp YoY -0.2pp QoQ |
-1.0pp | 4.1% | 4.5% | 5.0% | 62% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
12.8%
+1.0pp YoY -0.4pp QoQ |
-6.0pp | 18.8% | 16.5% | 19.7% | 25% |
| Leverage Ratio |
9.3%
+0.4pp YoY 0.0pp QoQ |
-2.9pp | 12.2% | 11.0% | 12.6% | 17% |
| Total Capital Ratio |
14.1%
+1.0pp YoY -0.4pp QoQ |
-5.8pp | 19.9% | 17.6% | 20.8% | 27% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
45
0 YoY -1 (-2.2%) QoQ |
-14 | 58 | 55 | 482 | 47% |
| Assets per Employee ($) |
$7.3M
+5.1% YoY +4.1% QoQ |
-$203K | $7.5M | $8.6M | $8.8M | 58% |
| Branch Count |
3
0 YoY 0 QoQ |
-2 | 4 | 4 | 18 | 26% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.4% | 0.4% | n/a |
| Nonaccrual |
0.1%
-0.3pp YoY -0.7pp QoQ |
-0.8pp | 0.9% | 1.0% | 1.0% | 23% |
| Allowance Coverage |
14.86x
+431.7% YoY +554.4% QoQ |
-9.29x | 24.15x | 20.41x | 20.23x | 86% |
| Net Charge-off Rate (YTD) |
-0.1%
-0.1pp YoY 0.0pp QoQ |
-0.2pp | 0.1% | 0.2% | 0.2% | 4% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
16.1%
+3.1pp YoY -0.5pp QoQ |
+3.9pp | 12.2% | 13.1% | 11.6% | 73% |
| Cost of Funds (YTD) |
1.4%
-0.3pp YoY 0.0pp QoQ |
-0.3pp | 1.7% | 1.7% | 1.7% | 31% |
| Net Income ($, YTD) |
$1.8M
+61.1% YoY — QoQ |
-$719K | $2.6M | $4.5M | $40.4M | 49% |
Get Full Access to The State Bank of Faribault
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.