BlastPoint's Banking Scorecard

State Bank of Taunton

under $100M Specialty: Agricultural MN FDIC cert 16906

Designations: ✓ Community bank

Taunton, MN

537 banks in the under $100M peer group nationally 54 in MN

State Bank of Taunton 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

+ Non-Interest-Bearing Deposit Share 27.40% above tier average
+ Efficiency Ratio 4.62% below tier average

Key Concerns

Areas that may need attention

- ROA 0.20% below tier average
- Net Interest Margin 0.09% below tier average
- Delinquency Rate 1.45% above tier average

Get updates when State Bank of Taunton releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Total Assets ?	$47.0M -5.8% YoY -2.4% QoQ	-$15.2M	$62.3M -0.5% YoY	$514.9M +5.5% YoY	$6.2B +9.0% YoY	28%
Total Loans ?	$25.7M -27.3% YoY +4.0% QoQ	-$8.6M	$34.3M -1.5% YoY	$289.5M +6.9% YoY	$3.2B +10.7% YoY	38%
Total Deposits ?	$37.7M -7.1% YoY -2.4% QoQ	-$14.2M	$51.8M -0.6% YoY	$445.6M +5.0% YoY	$4.8B +8.0% YoY	28%
Return on Assets ?	0.66% -8.9% YoY +613.2% QoQ	-0.20%	0.86% -3.6% YoY	1.14% +11.1% YoY	1.24% +13.1% YoY	36%
Net Interest Margin ?	3.78% -18.5% YoY -18.0% QoQ	-0.09%	3.87% +2.7% YoY	3.93% +7.5% YoY	3.89% +5.7% YoY	49%
Efficiency Ratio ?	83.01% -1.3% YoY -2.1% QoQ	-4.62%	87.63% +2.3% YoY	64.52% -3.4% YoY	66.84% -3.8% YoY	30%
Delinquency Rate ?	2.81% +211.8% QoQ	+1.45%	1.36% +33.7% YoY	1.04% +28.5% YoY	0.95% +18.8% YoY	Bottom 13.3% in tier
Loan-to-Deposit Ratio ?	68.22% -21.7% YoY +6.6% QoQ	+4.11%	64.11% -0.9% YoY	76.74% -0.5% YoY	76.69% +0.9% YoY	46%
Non-Interest-Bearing Deposit Share ?	51.18% +120.0% YoY +106.0% QoQ	+27.40%	23.79% +0.5% YoY	21.89% -0.8% YoY	22.01% -1.1% YoY	Top 3.0% in tier
Nonperforming Asset Ratio ?	1.54% +382.9% YoY +232.1% QoQ	+0.76%	0.77% +28.7% YoY	0.77% +26.8% YoY	0.66% +19.3% YoY	15%
Tier 1 Capital Ratio ?	18.95% +17.9% YoY +2.1% QoQ	-7.82%	26.77% +2.0% YoY	15.37% +0.7% YoY	17.06% +0.8% YoY	65%
Non-Interest Income / Assets ?	0.05% -11.5% YoY -68.8% QoQ	-0.62%	0.67% +1.6% YoY	0.15% +3.6% YoY	0.32% +4.0% YoY	46%

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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 (0)

No matched concern signatures this quarter

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 537 peers in under $100M

Top Strengths (1 metrics)

Non-Interest-Bearing Deposit Share

funding

Value: 51.18%

Peer Median: 23.79%

#17 of 537 Top 3.0% in under $100M

Top Weaknesses (2 metrics)

449

Delinquency Rate

credit_quality

Value: 2.81%

Peer Median: 1.36%

#449 of 517 Bottom 13.3% in under $100M

457

Nonperforming Asset Ratio

credit_quality

Value: 1.54%

Peer Median: 0.77%

#457 of 537 Bottom 15.1% in under $100M