BlastPoint's Banking Scorecard
Neighborhood National Bank
Mora, MN
6 branches across 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 151 in MN.
- Deposits +0.4% year over year ($252.1M on the books).
- Delinquency rate 2.34%.
- Return on assets 1.13%.
- Efficiency ratio 70.48% vs a 64.48% peer average.
- Loan-to-deposit ratio 76.39% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Neighborhood National Bank faces 4 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Delinquency Rate 1.42% above tier average
- - ROA 0.19% below tier average
- - Net Interest Margin 0.37% below tier average
- - Efficiency Ratio 6.00% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$312.2M
+3.5% YoY
+0.3% QoQ
|
-$74.4M |
$386.6M
+1.2% YoY
|
$524.5M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
48% |
| Total Loans ? |
$192.6M
+2.1% YoY
+0.1% QoQ
|
-$65.7M |
$258.3M
+1.7% YoY
|
$300.2M
+7.3% YoY
|
$3.2B
+9.4% YoY
|
46% |
| Total Deposits ? |
$252.1M
+0.4% YoY
-1.0% QoQ
|
-$74.6M |
$326.7M
+0.7% YoY
|
$452.1M
+5.5% YoY
|
$4.9B
+7.3% YoY
|
45% |
| Return on Assets ? |
1.13%
+19.8% YoY
+8.9% QoQ
|
-0.19% |
1.32%
+10.8% YoY
|
1.26%
+17.2% YoY
|
1.30%
+12.1% YoY
|
43% |
| Net Interest Margin ? |
3.61%
+10.9% YoY
+2.0% QoQ
|
-0.37% |
3.99%
+5.0% YoY
|
4.00%
+6.8% YoY
|
3.95%
+4.9% YoY
|
33% |
| Efficiency Ratio ? |
70.48%
-3.5% YoY
-2.6% QoQ
|
+6.00% |
64.48%
-3.2% YoY
|
63.00%
-3.5% YoY
|
70.05%
+2.5% YoY
|
29% |
| Delinquency Rate ? |
2.34%
+449.3% QoQ
|
+1.42% |
0.92%
+15.7% YoY
|
1.01%
+19.3% YoY
|
0.98%
+16.3% YoY
|
Bottom 9.9% in tier |
| Loan-to-Deposit Ratio ? |
76.39%
+1.7% YoY
+1.2% QoQ
|
-1.57% |
77.95%
+1.0% YoY
|
78.29%
-0.6% YoY
|
79.03%
+2.3% YoY
|
57% |
| Non-Interest-Bearing Deposit Share ? |
21.51%
-0.1% YoY
-0.7% QoQ
|
-0.52% |
22.03%
-0.6% YoY
|
21.79%
+0.9% YoY
|
21.98%
-0.6% YoY
|
52% |
| Nonperforming Asset Ratio ? |
1.61%
+512.8% QoQ
|
+0.94% |
0.67%
+16.4% YoY
|
0.76%
+16.9% YoY
|
0.69%
+15.8% YoY
|
Bottom 10.7% in tier |
| Tier 1 Capital Ratio ? |
16.54%
+2.8% YoY
-1.6% QoQ
|
+0.64% |
15.91%
+1.4% YoY
|
15.35%
-0.4% YoY
|
17.09%
+0.8% YoY
|
75% |
| Non-Interest Income / Assets ? |
0.18%
-3.0% YoY
+108.9% QoQ
|
-0.38% |
0.57%
+7.6% YoY
|
0.31%
+3.9% YoY
|
0.66%
+5.2% YoY
|
44% |
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 |
21.5%
0.0pp YoY -0.2pp QoQ |
-0.6pp | 22.1% | 21.9% | 22.2% | 52% |
| Brokered Deposits |
3.4%
+0.2pp YoY +0.1pp QoQ |
-4.4pp | 7.9% | 8.3% | 8.5% | 41% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
10.1%
-1.7pp YoY -0.4pp QoQ |
-1.4pp | 11.6% | 14.6% | 12.5% | 53% |
| CRE |
28.5%
+0.8pp YoY -1.2pp QoQ |
-11.0pp | 39.5% | 36.5% | 41.4% | 32% |
| 1-4 Family |
50.3%
+1.5pp YoY +1.4pp QoQ |
+17.6pp | 32.6% | 29.4% | 31.3% | 83% |
| Consumer |
4.2%
-1.0pp YoY -0.2pp QoQ |
+0.1pp | 4.1% | 4.5% | 5.0% | 72% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
16.5%
+0.4pp YoY -0.3pp QoQ |
-2.3pp | 18.8% | 16.5% | 19.7% | 61% |
| Leverage Ratio |
11.2%
+0.6pp YoY 0.0pp QoQ |
-0.9pp | 12.2% | 11.0% | 12.6% | 54% |
| Total Capital Ratio |
17.6%
+0.4pp YoY -0.3pp QoQ |
-2.4pp | 19.9% | 17.6% | 20.8% | 60% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
46
+2 (+4.5%) YoY +2 (+4.5%) QoQ |
-13 | 58 | 55 | 482 | 48% |
| Assets per Employee ($) |
$6.8M
-1.0% YoY -4.0% QoQ |
-$732K | $7.5M | $8.6M | $8.8M | 48% |
| Branch Count |
6
0 YoY 0 QoQ |
+1 | 4 | 4 | 18 | 66% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
2.1%
+1.9pp YoY +1.6pp QoQ |
+1.7pp | 0.3% | 0.4% | 0.4% | 97% |
| Nonaccrual | 0.3% | -0.7pp | 0.9% | 1.0% | 1.0% | 36% |
| Allowance Coverage |
0.48x
-92.8% YoY -81.9% QoQ |
-23.68x | 24.15x | 20.41x | 20.23x | 9% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.2% | 0.2% | 33% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
15.2%
-1.2pp YoY +1.1pp QoQ |
+3.0pp | 12.2% | 13.1% | 11.6% | 69% |
| Cost of Funds (YTD) |
1.5%
-0.3pp YoY 0.0pp QoQ |
-0.2pp | 1.7% | 1.7% | 1.7% | 34% |
| Net Income ($, YTD) |
$1.8M
+23.3% YoY — QoQ |
-$799K | $2.6M | $4.5M | $40.4M | 47% |
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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.