BlastPoint's Banking Scorecard

State Bank of Bellingham

under $100M Specialty: Agricultural MN FDIC cert 17062

Designations: ✓ Community bank

Bellingham, MN

541 banks in the under $100M peer group nationally 55 in MN

State Bank of Bellingham has 1 strength but faces 4 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

+ Efficiency Ratio 2.33% below tier average

Key Concerns

Areas that may need attention

- Net Interest Margin 1.81% below tier average
- Non-Interest Income / Assets 0.66% below tier average
- ROA 0.58% below tier average
- Delinquency Rate 0.85% above tier average

Get updates when State Bank of Bellingham releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Total Assets ?	$48.9M -8.7% YoY -1.5% QoQ	-$13.3M	$62.2M -0.6% YoY	$512.9M +5.5% YoY	$6.2B +9.1% YoY	30%
Total Loans ?	$22.8M -12.5% YoY -7.3% QoQ	-$11.4M	$34.2M -1.4% YoY	$288.3M +6.9% YoY	$3.2B +10.8% YoY	33%
Total Deposits ?	$40.1M -9.5% YoY -1.7% QoQ	-$11.7M	$51.7M -0.7% YoY	$443.8M +5.0% YoY	$4.8B +8.2% YoY	30%
Return on Assets ?	0.25% +134.5% YoY +29.1% QoQ	-0.58%	0.84% -2.3% YoY	1.13% +10.7% YoY	1.23% +13.4% YoY	21%
Net Interest Margin ?	2.05% +5.2% YoY +0.8% QoQ	-1.81%	3.86% +2.8% YoY	3.93% +7.5% YoY	3.89% +5.7% YoY	Bottom 3.3% in tier
Efficiency Ratio ?	86.01% -8.7% YoY -4.1% QoQ	-2.33%	88.34% +0.3% YoY	64.77% -3.3% YoY	66.95% -4.1% YoY	26%
Delinquency Rate ?	2.22% +91.0% YoY	+0.85%	1.37% +33.8% YoY	1.04% +28.9% YoY	0.95% +18.8% YoY	19%
Loan-to-Deposit Ratio ?	56.98% -3.3% YoY -5.7% QoQ	-7.24%	64.22% -0.7% YoY	76.69% -0.4% YoY	76.70% +0.9% YoY	62%
Non-Interest-Bearing Deposit Share ?	10.30% -7.7% YoY -16.6% QoQ	-13.42%	23.71% +0.3% YoY	21.87% -0.9% YoY	22.01% -1.2% YoY	16%
Nonperforming Asset Ratio ?	1.04% +83.0% YoY	+0.25%	0.79% +28.2% YoY	0.77% +27.1% YoY	0.67% +19.3% YoY	23%
Tier 1 Capital Ratio ?	22.90% +16.7% YoY +5.0% QoQ	-3.79%	26.68% +2.0% YoY	15.37% +0.7% YoY	17.06% +0.8% YoY	76%
Non-Interest Income / Assets ?	0.01% +64.2% YoY	-0.66%	0.67% +1.9% YoY	0.16% +5.0% YoY	0.32% +4.1% YoY	Bottom 4.4% in tier

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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 541 peers in under $100M

Top Strengths (1 metrics)

130

Tier 1 Capital Ratio

capital

Value: 22.90%

Peer Median: 26.68%

#130 of 541 Top 23.8% in under $100M

Top Weaknesses (6 metrics)

524

Net Interest Margin

profitability

Value: 2.05%

Peer Median: 3.86%

#524 of 541 Bottom 3.3% in under $100M

518

Non-Interest Income / Assets

revenue_mix

Value: 0.01%

Peer Median: 0.67%

#518 of 541 Bottom 4.4% in under $100M

457

Non-Interest-Bearing Deposit Share

funding

Value: 10.30%

Peer Median: 23.71%

#457 of 541 Bottom 15.7% in under $100M

423

Delinquency Rate

credit_quality

Value: 2.22%

Peer Median: 1.37%

#423 of 521 Bottom 19.0% in under $100M

428

Return on Assets

profitability

Value: 0.25%

Peer Median: 0.84%

#428 of 541 Bottom 21.1% in under $100M

417

Nonperforming Asset Ratio

credit_quality

Value: 1.04%

Peer Median: 0.79%

#417 of 541 Bottom 23.1% in under $100M