BlastPoint's Banking Scorecard

BANKWEST

$100M-$1B Specialty: Commercial MN FDIC cert 16704

Rockford, MN

3 branches across MN

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

BANKWEST has 2 strengths but faces 3 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 0.24% above tier average
+ Delinquency Rate 0.88% below tier average

Key Concerns

Areas that may need attention

- Deposit Outflow: Bottom 27.9% in tier
- ROA 0.11% below tier average
- Efficiency Ratio 3.03% above tier average

Get updates when BANKWEST releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Total Assets ?	$238.4M -2.0% YoY -3.8% QoQ	-$147.6M	$386.1M +0.5% YoY	$512.9M +5.5% YoY	$6.2B +9.1% YoY	34%
Total Loans ?	$134.1M +9.9% YoY +0.4% QoQ	-$121.6M	$255.7M +1.1% YoY	$288.3M +6.9% YoY	$3.2B +10.8% YoY	30%
Total Deposits ?	$216.9M -4.0% YoY -4.0% QoQ	-$111.1M	$328.0M +0.1% YoY	$443.8M +5.0% YoY	$4.8B +8.2% YoY	38%
Return on Assets ?	1.16% +29.3% YoY -6.6% QoQ	-0.11%	1.27% +12.9% YoY	1.13% +10.7% YoY	1.23% +13.4% YoY	47%
Net Interest Margin ?	4.17% +21.7% YoY +10.0% QoQ	+0.24%	3.93% +6.0% YoY	3.93% +7.5% YoY	3.89% +5.7% YoY	66%
Efficiency Ratio ?	68.32% -6.5% YoY +4.7% QoQ	+3.03%	65.29% -4.5% YoY	64.77% -3.3% YoY	66.95% -4.1% YoY	36%
Delinquency Rate ?	0.00% -99.4% YoY -17.0% QoQ	-0.88%	0.89% +18.8% YoY	1.04% +28.9% YoY	0.95% +18.8% YoY	Top 12.5% in tier
Loan-to-Deposit Ratio ?	61.84% +14.5% YoY +4.5% QoQ	-14.80%	76.64% +0.8% YoY	76.69% -0.4% YoY	76.70% +0.9% YoY	79%
Non-Interest-Bearing Deposit Share ?	25.36% -1.9% YoY +0.6% QoQ	+3.35%	22.02% -1.0% YoY	21.87% -0.9% YoY	22.01% -1.2% YoY	67%
Nonperforming Asset Ratio ?	0.21% -33.7% YoY +3.7% QoQ	-0.43%	0.64% +19.7% YoY	0.77% +27.1% YoY	0.67% +19.3% YoY	58%
Tier 1 Capital Ratio ?	16.28% +0.5% YoY +2.9% QoQ	+0.45%	15.83% +1.5% YoY	15.37% +0.7% YoY	17.06% +0.8% YoY	73%
Non-Interest Income / Assets ?	0.07% +27.9% YoY -75.3% QoQ	-0.21%	0.28% +9.3% YoY	0.16% +5.0% YoY	0.32% +4.1% YoY	34%

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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 (1)

Deposit Outflow

decline

#142 of 506 • Bottom 27.9% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

506 of 506 Community banks match · 656 nationally

→ Stable -8 banks QoQ

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)

334

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#334 of 2654 Top 12.5% in $100M-$1B

557

Loan-to-Deposit Ratio

liquidity

Value: 61.84%

Peer Median: 76.64%

#557 of 2664 Top 20.9% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available