BlastPoint's Banking Scorecard
State Bank of Easton
Designations: ✓ Community bank
Easton, MN
State Bank of Easton has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.54% above tier average
- + Efficiency Ratio 26.11% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 0.85% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$29.5M
+1.4% YoY
+5.1% QoQ
|
-$32.7M |
$62.2M
-0.6% YoY
|
$512.9M
+5.5% YoY
|
$6.2B
+9.1% YoY
|
Bottom 11.5% in tier |
| Total Loans ? |
$18.8M
+17.2% YoY
+3.6% QoQ
|
-$15.4M |
$34.2M
-1.4% YoY
|
$288.3M
+6.9% YoY
|
$3.2B
+10.8% YoY
|
26% |
| Total Deposits ? |
$24.5M
+2.5% YoY
+6.1% QoQ
|
-$27.2M |
$51.7M
-0.7% YoY
|
$443.8M
+5.0% YoY
|
$4.8B
+8.2% YoY
|
Bottom 14.8% in tier |
| Return on Assets ? |
1.38%
+29.1% YoY
+13.3% QoQ
|
+0.54% |
0.84%
-2.3% YoY
|
1.13%
+10.7% YoY
|
1.23%
+13.4% YoY
|
72% |
| Net Interest Margin ? |
3.90%
+13.4% YoY
+4.0% QoQ
|
+0.04% |
3.86%
+2.8% YoY
|
3.93%
+7.5% YoY
|
3.89%
+5.7% YoY
|
54% |
| Efficiency Ratio ? |
62.23%
-7.4% YoY
-1.5% QoQ
|
-26.11% |
88.34%
+0.3% YoY
|
64.77%
-3.3% YoY
|
66.95%
-4.1% YoY
|
70% |
| Delinquency Rate ? |
2.22%
+4.3% YoY
+28.9% QoQ
|
+0.85% |
1.37%
+33.8% YoY
|
1.04%
+28.9% YoY
|
0.95%
+18.8% YoY
|
19% |
| Loan-to-Deposit Ratio ? |
76.79%
+14.4% YoY
-2.3% QoQ
|
+12.58% |
64.22%
-0.7% YoY
|
76.69%
-0.4% YoY
|
76.70%
+0.9% YoY
|
32% |
| Non-Interest-Bearing Deposit Share ? |
22.30%
+17.7% YoY
+25.6% QoQ
|
-1.41% |
23.71%
+0.3% YoY
|
21.87%
-0.9% YoY
|
22.01%
-1.2% YoY
|
46% |
| Nonperforming Asset Ratio ? |
1.42%
+20.5% YoY
+27.0% QoQ
|
+0.63% |
0.79%
+28.2% YoY
|
0.77%
+27.1% YoY
|
0.67%
+19.3% YoY
|
18% |
| Tier 1 Capital Ratio ? |
19.32%
+54.1% YoY
+2.1% QoQ
|
-7.36% |
26.68%
+2.0% YoY
|
15.37%
+0.7% YoY
|
17.06%
+0.8% YoY
|
66% |
| Non-Interest Income / Assets ? |
0.04%
+16.6% YoY
-71.9% QoQ
|
-0.62% |
0.67%
+1.9% YoY
|
0.16%
+5.0% YoY
|
0.32%
+4.1% YoY
|
38% |
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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
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