BlastPoint's Banking Scorecard
State Bank of Taunton
Designations: ✓ Community bank
Taunton, 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 536 banks in the under $100M peer group nationwide — 1 of 52 in MN.
- Deposits -5.2% year over year ($37.1M on the books).
- Delinquency rate 4.13%.
- Return on assets 0.74%.
- Efficiency ratio 82.15% vs a 119.40% peer average.
- Loan-to-deposit ratio 70.35% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
State Bank of Taunton has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.15% above tier average
- + Efficiency Ratio 37.24% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 2.65% above tier average
- - Nonperforming Asset Ratio 1.48% above tier average
- - ROA 0.26% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$46.6M
-4.2% YoY
-0.8% QoQ
|
-$15.8M |
$62.4M
-0.0% YoY
|
$524.5M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
28% |
| Total Loans ? |
$26.1M
-21.3% YoY
+1.7% QoQ
|
-$8.8M |
$34.9M
-0.6% YoY
|
$300.2M
+7.3% YoY
|
$3.2B
+9.4% YoY
|
37% |
| Total Deposits ? |
$37.1M
-5.2% YoY
-1.4% QoQ
|
-$14.5M |
$51.6M
-0.2% YoY
|
$452.1M
+5.5% YoY
|
$4.9B
+7.3% YoY
|
27% |
| Return on Assets ? |
0.74%
+160.2% YoY
+12.9% QoQ
|
-0.26% |
1.00%
+3.5% YoY
|
1.26%
+17.2% YoY
|
1.30%
+12.1% YoY
|
38% |
| Net Interest Margin ? |
4.06%
-14.1% YoY
+7.3% QoQ
|
+0.15% |
3.91%
+2.3% YoY
|
4.00%
+6.8% YoY
|
3.95%
+4.9% YoY
|
59% |
| Efficiency Ratio ? |
82.15%
-12.6% YoY
-1.0% QoQ
|
-37.24% |
119.40%
+49.6% YoY
|
63.00%
-3.5% YoY
|
70.05%
+2.5% YoY
|
27% |
| Delinquency Rate ? |
4.13%
+46.6% QoQ
|
+2.65% |
1.48%
+31.8% YoY
|
1.01%
+19.3% YoY
|
0.98%
+16.3% YoY
|
Bottom 7.9% in tier |
| Loan-to-Deposit Ratio ? |
70.35%
-17.0% YoY
+3.1% QoQ
|
-3.86% |
74.21%
+12.6% YoY
|
78.29%
-0.6% YoY
|
79.03%
+2.3% YoY
|
44% |
| Non-Interest-Bearing Deposit Share ? |
25.49%
+26.3% YoY
-50.2% QoQ
|
+2.00% |
23.49%
+0.6% YoY
|
21.79%
+0.9% YoY
|
21.98%
-0.6% YoY
|
60% |
| Nonperforming Asset Ratio ? |
2.31%
+607.7% YoY
+50.4% QoQ
|
+1.48% |
0.84%
+23.0% YoY
|
0.76%
+16.9% YoY
|
0.69%
+15.8% YoY
|
Bottom 8.2% in tier |
| Tier 1 Capital Ratio ? |
19.24%
+27.3% YoY
+1.5% QoQ
|
-7.89% |
27.13%
+3.0% YoY
|
15.35%
-0.4% YoY
|
17.09%
+0.8% YoY
|
65% |
| Non-Interest Income / Assets ? |
0.11%
+4.4% YoY
+101.7% QoQ
|
-1.27% |
1.38%
+6.3% YoY
|
0.31%
+3.9% YoY
|
0.66%
+5.2% YoY
|
43% |
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 |
25.5%
+5.3pp YoY -25.7pp QoQ |
+0.9pp | 24.6% | 21.9% | 22.2% | 58% |
| Brokered Deposits | n/a | n/a | 9.8% | 8.3% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
4.4%
+0.1pp YoY -0.3pp QoQ |
-9.0pp | 13.4% | 14.6% | 12.5% | 17% |
| CRE | n/a | n/a | 25.2% | 36.5% | 41.4% | n/a |
| 1-4 Family |
3.4%
-1.8pp YoY -0.1pp QoQ |
-31.5pp | 35.0% | 29.4% | 31.3% | 11% |
| Consumer |
0.4%
-0.2pp YoY 0.0pp QoQ |
-7.3pp | 7.7% | 4.5% | 5.0% | 5% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
19.2%
+4.1pp YoY +0.3pp QoQ |
-19.4pp | 38.7% | 16.5% | 19.7% | 41% |
| Leverage Ratio |
13.4%
+0.1pp YoY 0.0pp QoQ |
-4.3pp | 17.7% | 11.0% | 12.6% | 56% |
| Total Capital Ratio |
20.4%
+4.8pp YoY +0.2pp QoQ |
-19.2pp | 39.7% | 17.6% | 20.8% | 42% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
5
-1 (-16.7%) YoY 0 QoQ |
-7 | 12 | 55 | 482 | 7% |
| Assets per Employee ($) |
$9.3M
+15.0% YoY -0.8% QoQ |
+$3.1M | $6.2M | $8.6M | $8.8M | 90% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 4 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.4% | 0.4% | n/a |
| Nonaccrual |
4.1%
+1.3pp QoQ |
+2.4pp | 1.7% | 1.0% | 1.0% | 92% |
| Allowance Coverage |
0.37x
-56.5% QoQ |
-6.04x | 6.41x | 20.41x | 20.23x | 11% |
| Net Charge-off Rate (YTD) |
1.6%
+0.4pp YoY +1.7pp QoQ |
+1.5pp | 0.2% | 0.2% | 0.2% | 97% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
7.2%
+4.2pp YoY +0.8pp QoQ |
+0.8pp | 6.4% | 13.1% | 11.6% | 45% |
| Cost of Funds (YTD) |
0.9%
-0.3pp YoY -0.1pp QoQ |
-0.5pp | 1.4% | 1.7% | 1.7% | 22% |
| Net Income ($, YTD) |
$175,000
+150.0% YoY — QoQ |
-$143K | $317,817 | $4.5M | $40.4M | 33% |
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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.