BlastPoint's Banking Scorecard

Grand Timber Bank

under $100M Specialty: Commercial MN FDIC cert 18719

Designations: ✓ Community bank

Mcgregor, 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 +7.2% year over year ($53.9M on the books).
Delinquency rate 2.85%.
Return on assets 1.26%.
Efficiency ratio 66.20% vs a 119.40% peer average.
Loan-to-deposit ratio 102.05% vs a 74.21% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

536 banks in the under $100M peer group nationally 52 in MN

View under $100M leaderboard (MN) →

Grand Timber Bank has 3 strengths 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

+ Net Interest Margin 2.04% above tier average
+ ROA 0.26% above tier average
+ Efficiency Ratio 53.19% below tier average

Key Concerns

Areas that may need attention

- Loan-to-Deposit Ratio 27.84% above tier average
- Nonperforming Asset Ratio 1.75% above tier average
- Non-Interest Income / Assets 1.36% below tier average
- Delinquency Rate 1.36% above tier average

Get updates when Grand Timber Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Total Assets ?	$64.5M +5.9% YoY -1.0% QoQ	+$2.1M	$62.4M -0.0% YoY	$524.5M +5.8% YoY	$6.3B +7.7% YoY	50%
Total Loans ?	$55.0M +2.2% YoY +1.1% QoQ	+$20.1M	$34.9M -0.6% YoY	$300.2M +7.3% YoY	$3.2B +9.4% YoY	81%
Total Deposits ?	$53.9M +7.2% YoY +0.4% QoQ	+$2.2M	$51.6M -0.2% YoY	$452.1M +5.5% YoY	$4.9B +7.3% YoY	51%
Return on Assets ?	1.26% -11.8% YoY -17.0% QoQ	+0.26%	1.00% +3.5% YoY	1.26% +17.2% YoY	1.30% +12.1% YoY	65%
Net Interest Margin ?	5.96% +1.3% YoY -0.1% QoQ	+2.04%	3.91% +2.3% YoY	4.00% +6.8% YoY	3.95% +4.9% YoY	Top 2.6% in tier
Efficiency Ratio ?	66.20% +7.1% YoY +5.8% QoQ	-53.19%	119.40% +49.6% YoY	63.00% -3.5% YoY	70.05% +2.5% YoY	61%
Delinquency Rate ?	2.85% +4.4% YoY +20.2% QoQ	+1.36%	1.48% +31.8% YoY	1.01% +19.3% YoY	0.98% +16.3% YoY	Bottom 13.7% in tier
Loan-to-Deposit Ratio ?	102.05% -4.7% YoY +0.7% QoQ	+27.84%	74.21% +12.6% YoY	78.29% -0.6% YoY	79.03% +2.3% YoY	Bottom 7.8% in tier
Non-Interest-Bearing Deposit Share ?	30.15% -3.0% YoY +0.9% QoQ	+6.66%	23.49% +0.6% YoY	21.79% +0.9% YoY	21.98% -0.6% YoY	74%
Nonperforming Asset Ratio ?	2.58% +7.4% YoY +15.0% QoQ	+1.75%	0.84% +23.0% YoY	0.76% +16.9% YoY	0.69% +15.8% YoY	Bottom 7.1% in tier
Tier 1 Capital Ratio ?	13.31% +1.0% YoY -6.3% QoQ	-13.82%	27.13% +3.0% YoY	15.35% -0.4% YoY	17.09% +0.8% YoY	35%
Non-Interest Income / Assets ?	0.02% -83.3% YoY -24.3% QoQ	-1.36%	1.38% +6.3% YoY	0.31% +3.9% YoY	0.66% +5.2% YoY	Bottom 7.5% in tier

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	30.2% -0.9pp YoY +0.3pp QoQ	+5.5pp	24.6%	21.9%	22.2%	73%
Brokered Deposits	0.4% -4.1pp YoY 0.0pp QoQ	-9.4pp	9.8%	8.3%	8.5%	7%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
C&I	10.6% -0.4pp YoY -0.1pp QoQ	-2.8pp	13.4%	14.6%	12.5%	53%
CRE	n/a	n/a	25.2%	36.5%	41.4%	n/a
1-4 Family	55.8% +0.4pp YoY -0.6pp QoQ	+20.8pp	35.0%	29.4%	31.3%	77%
Consumer	8.4% -0.9pp YoY 0.0pp QoQ	+0.7pp	7.7%	4.5%	5.0%	71%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
CET1 Ratio	13.3% +0.1pp YoY -0.9pp QoQ	-25.4pp	38.7%	16.5%	19.7%	11%
Leverage Ratio	10.7% -0.2pp YoY -0.7pp QoQ	-7.0pp	17.7%	11.0%	12.6%	26%
Total Capital Ratio	14.5% +0.1pp YoY -0.9pp QoQ	-25.1pp	39.7%	17.6%	20.8%	12%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Full-Time Employees	12 0 YoY 0 QoQ	-0	12	55	482	56%
Assets per Employee ($)	$5.4M +5.9% YoY -1.0% QoQ	-$809K	$6.2M	$8.6M	$8.8M	42%
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	2.8% +0.1pp YoY +0.5pp QoQ	+1.1pp	1.7%	1.0%	1.0%	85%
Allowance Coverage	0.40x -18.5% YoY -18.6% QoQ	-6.01x	6.41x	20.41x	20.23x	13%
Net Charge-off Rate (YTD)	0.8% +0.1pp YoY -0.4pp QoQ	+0.6pp	0.2%	0.2%	0.2%	93%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
ROE	9.7% -0.9pp YoY -1.8pp QoQ	+3.3pp	6.4%	13.1%	11.6%	59%
Cost of Funds (YTD)	1.4% 0.0pp YoY 0.0pp QoQ	-0.1pp	1.4%	1.7%	1.7%	49%
Net Income ($, YTD)	$407,000 -6.2% YoY — QoQ	+$89K	$317,817	$4.5M	$40.4M	64%

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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 536 peers in under $100M

Top Strengths (2 metrics)

Net Interest Margin

profitability

Value: 5.96%

Peer Median: 3.91%

#15 of 536 Top 2.6% in under $100M

103

Total Loans

size

Value: $54.97M

Peer Median: $34.89M

#103 of 536 Top 19.0% in under $100M

Top Weaknesses (4 metrics)

499

Nonperforming Asset Ratio

credit_quality

Value: 2.58%

Peer Median: 0.84%

#499 of 536 Bottom 7.1% in under $100M

497

Non-Interest Income / Assets

revenue_mix

Value: 0.02%

Peer Median: 1.38%

#497 of 536 Bottom 7.5% in under $100M

495

Loan-to-Deposit Ratio

liquidity

Value: 102.05%

Peer Median: 74.21%

#495 of 536 Bottom 7.8% in under $100M

447

Delinquency Rate

credit_quality

Value: 2.85%

Peer Median: 1.48%

#447 of 517 Bottom 13.7% in under $100M