BlastPoint's Banking Scorecard
State Bank of Bellingham
Designations: ✓ Community bank
Bellingham, 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 -5.5% year over year ($38.4M on the books).
- Delinquency rate 2.53%.
- Return on assets 0.22%.
- Efficiency ratio 88.64% vs a 119.40% peer average.
- Loan-to-deposit ratio 58.08% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
State Bank of Bellingham has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 30.75% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.82% below tier average
- - Non-Interest Income / Assets 1.45% below tier average
- - ROA 0.78% below tier average
- - Delinquency Rate 1.05% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$46.4M
-5.4% YoY
-5.1% QoQ
|
-$16.1M |
$62.4M
-0.0% YoY
|
$524.5M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
28% |
| Total Loans ? |
$22.3M
-13.8% YoY
-2.2% QoQ
|
-$12.6M |
$34.9M
-0.6% YoY
|
$300.2M
+7.3% YoY
|
$3.2B
+9.4% YoY
|
32% |
| Total Deposits ? |
$38.4M
-5.5% YoY
-4.1% QoQ
|
-$13.2M |
$51.6M
-0.2% YoY
|
$452.1M
+5.5% YoY
|
$4.9B
+7.3% YoY
|
29% |
| Return on Assets ? |
0.22%
+40.2% YoY
-12.8% QoQ
|
-0.78% |
1.00%
+3.5% YoY
|
1.26%
+17.2% YoY
|
1.30%
+12.1% YoY
|
17% |
| Net Interest Margin ? |
2.09%
+9.2% YoY
+2.0% QoQ
|
-1.82% |
3.91%
+2.3% YoY
|
4.00%
+6.8% YoY
|
3.95%
+4.9% YoY
|
Bottom 4.3% in tier |
| Efficiency Ratio ? |
88.64%
-3.1% YoY
+3.1% QoQ
|
-30.75% |
119.40%
+49.6% YoY
|
63.00%
-3.5% YoY
|
70.05%
+2.5% YoY
|
19% |
| Delinquency Rate ? |
2.53%
+129.2% YoY
+13.8% QoQ
|
+1.05% |
1.48%
+31.8% YoY
|
1.01%
+19.3% YoY
|
0.98%
+16.3% YoY
|
15% |
| Loan-to-Deposit Ratio ? |
58.08%
-8.8% YoY
+1.9% QoQ
|
-16.13% |
74.21%
+12.6% YoY
|
78.29%
-0.6% YoY
|
79.03%
+2.3% YoY
|
62% |
| Non-Interest-Bearing Deposit Share ? |
10.76%
+8.9% YoY
+4.5% QoQ
|
-12.73% |
23.49%
+0.6% YoY
|
21.79%
+0.9% YoY
|
21.98%
-0.6% YoY
|
16% |
| Nonperforming Asset Ratio ? |
1.22%
+108.7% YoY
+17.3% QoQ
|
+0.38% |
0.84%
+23.0% YoY
|
0.76%
+16.9% YoY
|
0.69%
+15.8% YoY
|
20% |
| Tier 1 Capital Ratio ? |
24.33%
+9.2% YoY
+6.3% QoQ
|
-2.79% |
27.13%
+3.0% YoY
|
15.35%
-0.4% YoY
|
17.09%
+0.8% YoY
|
78% |
| Non-Interest Income / Assets ? |
-0.07%
-755.1% YoY
|
-1.45% |
1.38%
+6.3% YoY
|
0.31%
+3.9% YoY
|
0.66%
+5.2% YoY
|
Bottom 0.4% in tier |
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 |
10.8%
+0.9pp YoY +0.5pp QoQ |
-13.9pp | 24.6% | 21.9% | 22.2% | 12% |
| Brokered Deposits |
5.2%
-5.2pp YoY +0.2pp QoQ |
-4.6pp | 9.8% | 8.3% | 8.5% | 43% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
4.3%
-0.8pp YoY -0.1pp QoQ |
-9.2pp | 13.4% | 14.6% | 12.5% | 16% |
| CRE | n/a | n/a | 25.2% | 36.5% | 41.4% | n/a |
| 1-4 Family | n/a | n/a | 35.0% | 29.4% | 31.3% | n/a |
| Consumer |
11.2%
-1.2pp YoY -0.6pp QoQ |
+3.5pp | 7.7% | 4.5% | 5.0% | 81% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
24.3%
+2.0pp YoY +1.4pp QoQ |
-14.4pp | 38.7% | 16.5% | 19.7% | 62% |
| Leverage Ratio |
14.8%
+1.4pp YoY +0.5pp QoQ |
-2.9pp | 17.7% | 11.0% | 12.6% | 68% |
| Total Capital Ratio |
25.3%
+2.1pp YoY +1.5pp QoQ |
-14.3pp | 39.7% | 17.6% | 20.8% | 61% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
5
-1 (-16.7%) YoY -1 (-16.7%) QoQ |
-7 | 12 | 55 | 482 | 7% |
| Assets per Employee ($) |
$9.3M
+13.6% YoY +13.8% QoQ |
+$3.1M | $6.2M | $8.6M | $8.8M | 90% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 4 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
2.5%
+1.4pp YoY +0.3pp QoQ |
+1.5pp | 1.0% | 0.4% | 0.4% | 91% |
| Nonaccrual |
0.0%
0.0pp YoY 0.0pp QoQ |
-1.7pp | 1.7% | 1.0% | 1.0% | 4% |
| Allowance Coverage |
0.52x
-49.4% YoY -10.1% QoQ |
-5.89x | 6.41x | 20.41x | 20.23x | 22% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.2% | 0.2% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
2.0%
+0.3pp YoY -0.4pp QoQ |
-4.4pp | 6.4% | 13.1% | 11.6% | 18% |
| Cost of Funds (YTD) |
2.7%
-0.5pp YoY 0.0pp QoQ |
+1.3pp | 1.4% | 1.7% | 1.7% | 96% |
| Net Income ($, YTD) |
$53,000
+32.5% YoY — QoQ |
-$265K | $317,817 | $4.5M | $40.4M | 18% |
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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.