BlastPoint's Banking Scorecard
Northeast Bank
Minneapolis, 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 +0.2% year over year ($760.7M on the books).
- Delinquency rate 0.20%.
- Return on assets 1.49%.
- Efficiency ratio 64.34% vs a 64.48% peer average.
- Loan-to-deposit ratio 77.69% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Northeast Bank demonstrates 4 strengths
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.16% above tier average
- + Net Interest Margin 0.09% above tier average
- + Efficiency Ratio 0.14% below tier average
- + Delinquency Rate 0.71% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$837.3M
+1.5% YoY
-0.1% QoQ
|
+$450.7M |
$386.6M
+1.2% YoY
|
$524.5M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
Top 6.2% in tier |
| Total Loans ? |
$591.0M
+0.3% YoY
-2.3% QoQ
|
+$332.7M |
$258.3M
+1.7% YoY
|
$300.2M
+7.3% YoY
|
$3.2B
+9.4% YoY
|
Top 6.5% in tier |
| Total Deposits ? |
$760.7M
+0.2% YoY
-0.6% QoQ
|
+$434.0M |
$326.7M
+0.7% YoY
|
$452.1M
+5.5% YoY
|
$4.9B
+7.3% YoY
|
Top 3.9% in tier |
| Return on Assets ? |
1.49%
+10.3% YoY
+0.6% QoQ
|
+0.16% |
1.32%
+10.8% YoY
|
1.26%
+17.2% YoY
|
1.30%
+12.1% YoY
|
65% |
| Net Interest Margin ? |
4.08%
+7.2% YoY
+2.1% QoQ
|
+0.09% |
3.99%
+5.0% YoY
|
4.00%
+6.8% YoY
|
3.95%
+4.9% YoY
|
58% |
| Efficiency Ratio ? |
64.34%
+3.7% YoY
+0.7% QoQ
|
-0.14% |
64.48%
-3.2% YoY
|
63.00%
-3.5% YoY
|
70.05%
+2.5% YoY
|
44% |
| Delinquency Rate ? |
0.20%
-63.6% YoY
+95.7% QoQ
|
-0.71% |
0.92%
+15.7% YoY
|
1.01%
+19.3% YoY
|
0.98%
+16.3% YoY
|
65% |
| Loan-to-Deposit Ratio ? |
77.69%
+0.1% YoY
-1.8% QoQ
|
-0.26% |
77.95%
+1.0% YoY
|
78.29%
-0.6% YoY
|
79.03%
+2.3% YoY
|
54% |
| Non-Interest-Bearing Deposit Share ? |
22.42%
-4.2% YoY
-4.7% QoQ
|
+0.39% |
22.03%
-0.6% YoY
|
21.79%
+0.9% YoY
|
21.98%
-0.6% YoY
|
56% |
| Nonperforming Asset Ratio ? |
0.23%
-42.5% YoY
+34.8% QoQ
|
-0.44% |
0.67%
+16.4% YoY
|
0.76%
+16.9% YoY
|
0.69%
+15.8% YoY
|
58% |
| Tier 1 Capital Ratio ? |
12.31%
+3.8% YoY
+2.8% QoQ
|
-3.60% |
15.91%
+1.4% YoY
|
15.35%
-0.4% YoY
|
17.09%
+0.8% YoY
|
39% |
| Non-Interest Income / Assets ? |
0.09%
+5.1% YoY
+126.2% QoQ
|
-0.48% |
0.57%
+7.6% YoY
|
0.31%
+3.9% YoY
|
0.66%
+5.2% YoY
|
16% |
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 |
22.4%
-1.0pp YoY -1.1pp QoQ |
+0.3pp | 22.1% | 21.9% | 22.2% | 56% |
| Brokered Deposits |
6.6%
-10.8pp YoY -1.9pp QoQ |
-1.3pp | 7.9% | 8.3% | 8.5% | 61% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
17.0%
-2.5pp YoY -2.3pp QoQ |
+5.4pp | 11.6% | 14.6% | 12.5% | 82% |
| CRE |
68.3%
+2.5pp YoY +1.7pp QoQ |
+28.8pp | 39.5% | 36.5% | 41.4% | 92% |
| 1-4 Family |
14.5%
+0.2pp YoY +0.6pp QoQ |
-18.2pp | 32.6% | 29.4% | 31.3% | 18% |
| Consumer |
0.1%
-0.1pp YoY 0.0pp QoQ |
-4.0pp | 4.1% | 4.5% | 5.0% | 6% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
12.3%
+0.5pp YoY +0.3pp QoQ |
-6.5pp | 18.8% | 16.5% | 19.7% | 20% |
| Leverage Ratio |
10.1%
+0.6pp YoY +0.3pp QoQ |
-2.0pp | 12.2% | 11.0% | 12.6% | 34% |
| Total Capital Ratio |
13.2%
+0.5pp YoY +0.4pp QoQ |
-6.8pp | 19.9% | 17.6% | 20.8% | 18% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
78
+2 (+2.6%) YoY +4 (+5.4%) QoQ |
+19 | 58 | 55 | 482 | 76% |
| Assets per Employee ($) |
$10.7M
-1.1% YoY -5.2% QoQ |
+$3.2M | $7.5M | $8.6M | $8.8M | 89% |
| Branch Count |
3
0 YoY 0 QoQ |
-2 | 4 | 4 | 18 | 26% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | 0.0% | -0.3pp | 0.3% | 0.4% | 0.4% | 29% |
| Nonaccrual |
0.2%
-0.4pp YoY +0.1pp QoQ |
-0.8pp | 0.9% | 1.0% | 1.0% | 28% |
| Allowance Coverage |
4.70x
+186.8% YoY -45.3% QoQ |
-19.45x | 24.15x | 20.41x | 20.23x | 69% |
| Net Charge-off Rate (YTD) |
-0.1%
-0.1pp YoY -0.1pp QoQ |
-0.2pp | 0.1% | 0.2% | 0.2% | 3% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
18.1%
-0.6pp YoY 0.0pp QoQ |
+5.9pp | 12.2% | 13.1% | 11.6% | 82% |
| Cost of Funds (YTD) |
1.1%
-0.2pp YoY 0.0pp QoQ |
-0.6pp | 1.7% | 1.7% | 1.7% | 16% |
| Net Income ($, YTD) |
$6.2M
+14.6% YoY — QoQ |
+$3.7M | $2.6M | $4.5M | $40.4M | 93% |
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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.