BlastPoint's Banking Scorecard
North Star Bank
Roseville, MN
2 branches across MN
North Star Bank has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.25% above tier average
- + Efficiency Ratio 5.94% below tier average
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 40.2% in tier
- - Net Interest Margin 0.29% below tier average
- - Delinquency Rate 0.52% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$393.7M
+3.6% YoY
-3.2% QoQ
|
+$7.6M |
$386.1M
+0.5% YoY
|
$512.9M
+5.5% YoY
|
$6.2B
+9.1% YoY
|
60% |
| Total Loans ? |
$245.3M
-3.3% YoY
-0.9% QoQ
|
-$10.5M |
$255.7M
+1.1% YoY
|
$288.3M
+6.9% YoY
|
$3.2B
+10.8% YoY
|
58% |
| Total Deposits ? |
$356.2M
+2.3% YoY
-3.9% QoQ
|
+$28.2M |
$328.0M
+0.1% YoY
|
$443.8M
+5.0% YoY
|
$4.8B
+8.2% YoY
|
63% |
| Return on Assets ? |
1.52%
+307.7% YoY
+42.4% QoQ
|
+0.25% |
1.27%
+12.9% YoY
|
1.13%
+10.7% YoY
|
1.23%
+13.4% YoY
|
69% |
| Net Interest Margin ? |
3.64%
+6.7% YoY
+4.1% QoQ
|
-0.29% |
3.93%
+6.0% YoY
|
3.93%
+7.5% YoY
|
3.89%
+5.7% YoY
|
37% |
| Efficiency Ratio ? |
59.35%
-19.2% YoY
-3.8% QoQ
|
-5.94% |
65.29%
-4.5% YoY
|
64.77%
-3.3% YoY
|
66.95%
-4.1% YoY
|
62% |
| Delinquency Rate ? |
1.41%
-0.7% QoQ
|
+0.52% |
0.89%
+18.8% YoY
|
1.04%
+28.9% YoY
|
0.95%
+18.8% YoY
|
20% |
| Loan-to-Deposit Ratio ? |
68.86%
-5.4% YoY
+3.1% QoQ
|
-7.78% |
76.64%
+0.8% YoY
|
76.69%
-0.4% YoY
|
76.70%
+0.9% YoY
|
69% |
| Non-Interest-Bearing Deposit Share ? |
14.44%
-2.6% YoY
+1.6% QoQ
|
-7.58% |
22.02%
-1.0% YoY
|
21.87%
-0.9% YoY
|
22.01%
-1.2% YoY
|
22% |
| Nonperforming Asset Ratio ? |
0.88%
+1.7% QoQ
|
+0.24% |
0.64%
+19.7% YoY
|
0.77%
+27.1% YoY
|
0.67%
+19.3% YoY
|
23% |
| Tier 1 Capital Ratio ? |
10.53%
+10.8% YoY
+4.8% QoQ
|
-5.30% |
15.83%
+1.5% YoY
|
15.37%
+0.7% YoY
|
17.06%
+0.8% YoY
|
17% |
| Non-Interest Income / Assets ? |
0.06%
-9.5% YoY
-90.3% QoQ
|
-0.22% |
0.28%
+9.3% YoY
|
0.16%
+5.0% YoY
|
0.32%
+4.1% YoY
|
26% |
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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 (1)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.