BlastPoint's Banking Scorecard
Minnwest Bank
Designations: ✓ Community bank
Redwood Falls, MN
36 branches across MN · SD
Minnwest Bank has 3 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.28% above tier average
- + Efficiency Ratio 3.11% below tier average
- + Delinquency Rate 0.43% below tier average
Key Concerns
Areas that may need attention
- - Capital Constraint: Bottom 5.4% in tier
- - Deposit Outflow: Bottom 49.2% in tier
- - ROA 0.11% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$3.0B
-4.1% YoY
-1.6% QoQ
|
+$149.4M |
$2.8B
-0.1% YoY
|
$512.9M
+5.5% YoY
|
$6.2B
+9.1% YoY
|
70% |
| Total Loans ? |
$2.2B
+0.8% YoY
+4.5% QoQ
|
+$282.4M |
$2.0B
+0.6% YoY
|
$288.3M
+6.9% YoY
|
$3.2B
+10.8% YoY
|
73% |
| Total Deposits ? |
$2.6B
-5.6% YoY
-1.7% QoQ
|
+$255.8M |
$2.3B
-0.3% YoY
|
$443.8M
+5.0% YoY
|
$4.8B
+8.2% YoY
|
72% |
| Return on Assets ? |
1.25%
+69.5% YoY
+36.0% QoQ
|
-0.11% |
1.37%
+19.6% YoY
|
1.13%
+10.7% YoY
|
1.23%
+13.4% YoY
|
53% |
| Net Interest Margin ? |
4.10%
+24.6% YoY
+9.5% QoQ
|
+0.28% |
3.82%
+6.9% YoY
|
3.93%
+7.5% YoY
|
3.89%
+5.7% YoY
|
76% |
| Efficiency Ratio ? |
57.95%
-12.8% YoY
-6.5% QoQ
|
-3.11% |
61.06%
-4.6% YoY
|
64.77%
-3.3% YoY
|
66.95%
-4.1% YoY
|
55% |
| Delinquency Rate ? |
0.46%
-23.5% YoY
-26.1% QoQ
|
-0.43% |
0.89%
+14.1% YoY
|
1.04%
+28.9% YoY
|
0.95%
+18.8% YoY
|
56% |
| Loan-to-Deposit Ratio ? |
86.46%
+6.9% YoY
+6.3% QoQ
|
+2.26% |
84.20%
+0.3% YoY
|
76.69%
-0.4% YoY
|
76.70%
+0.9% YoY
|
50% |
| Non-Interest-Bearing Deposit Share ? |
22.00%
+9.6% YoY
-1.6% QoQ
|
+0.71% |
21.29%
-2.5% YoY
|
21.87%
-0.9% YoY
|
22.01%
-1.2% YoY
|
60% |
| Nonperforming Asset Ratio ? |
0.58%
-40.7% YoY
-13.3% QoQ
|
-0.10% |
0.67%
+15.6% YoY
|
0.77%
+27.1% YoY
|
0.67%
+19.3% YoY
|
38% |
| Tier 1 Capital Ratio ? |
12.10%
+8.7% YoY
-1.6% QoQ
|
-3.06% |
15.16%
+2.0% YoY
|
15.37%
+0.7% YoY
|
17.06%
+0.8% YoY
|
34% |
| Non-Interest Income / Assets ? |
0.15%
+46.5% YoY
-71.9% QoQ
|
-0.11% |
0.26%
+1.6% YoY
|
0.16%
+5.0% YoY
|
0.32%
+4.1% YoY
|
52% |
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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 (2)
Capital Constraint
riskStrong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.