BlastPoint's Banking Scorecard
St. Martin National Bank
Designations: ✓ Community bank
Saint Martin, 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 +1.8% year over year ($25.0M on the books).
- Delinquency rate 0.00%.
- Return on assets 2.42%.
- Efficiency ratio 50.99% vs a 119.40% peer average.
- Loan-to-deposit ratio 52.56% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
St. Martin National Bank has 5 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.43% above tier average
- + Delinquency Rate 1.48% below tier average
- + Nonperforming Asset Ratio 0.84% below tier average
- + Non-Interest Income / Assets 0.73% below tier average
- + Efficiency Ratio 68.41% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.15% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$29.4M
+2.8% YoY
+2.8% QoQ
|
-$33.1M |
$62.4M
-0.0% YoY
|
$524.5M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
Bottom 11.4% in tier |
| Total Loans ? |
$13.2M
+6.6% YoY
+5.1% QoQ
|
-$21.7M |
$34.9M
-0.6% YoY
|
$300.2M
+7.3% YoY
|
$3.2B
+9.4% YoY
|
Bottom 14.7% in tier |
| Total Deposits ? |
$25.0M
+1.8% YoY
+2.5% QoQ
|
-$26.6M |
$51.6M
-0.2% YoY
|
$452.1M
+5.5% YoY
|
$4.9B
+7.3% YoY
|
16% |
| Return on Assets ? |
2.42%
+13.9% YoY
+2.2% QoQ
|
+1.43% |
1.00%
+3.5% YoY
|
1.26%
+17.2% YoY
|
1.30%
+12.1% YoY
|
Top 5.6% in tier |
| Net Interest Margin ? |
3.76%
+10.0% YoY
+3.9% QoQ
|
-0.15% |
3.91%
+2.3% YoY
|
4.00%
+6.8% YoY
|
3.95%
+4.9% YoY
|
43% |
| Efficiency Ratio ? |
50.99%
-2.4% YoY
-4.6% QoQ
|
-68.41% |
119.40%
+49.6% YoY
|
63.00%
-3.5% YoY
|
70.05%
+2.5% YoY
|
Top 10.4% in tier |
| Delinquency Rate ? | 0.00% | -1.48% |
1.48%
+31.8% YoY
|
1.01%
+19.3% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
52.56%
+4.7% YoY
+2.5% QoQ
|
-21.65% |
74.21%
+12.6% YoY
|
78.29%
-0.6% YoY
|
79.03%
+2.3% YoY
|
67% |
| Non-Interest-Bearing Deposit Share ? |
25.28%
-7.2% YoY
-1.5% QoQ
|
+1.79% |
23.49%
+0.6% YoY
|
21.79%
+0.9% YoY
|
21.98%
-0.6% YoY
|
59% |
| Nonperforming Asset Ratio ? | 0.00% | -0.84% |
0.84%
+23.0% YoY
|
0.76%
+16.9% YoY
|
0.69%
+15.8% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
15.51%
+5.8% YoY
+1.4% QoQ
|
-11.61% |
27.13%
+3.0% YoY
|
15.35%
-0.4% YoY
|
17.09%
+0.8% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.65%
+8.0% YoY
+62.4% QoQ
|
-0.73% |
1.38%
+6.3% YoY
|
0.31%
+3.9% YoY
|
0.66%
+5.2% YoY
|
Top 6.7% 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 |
25.3%
-2.0pp YoY -0.4pp QoQ |
+0.6pp | 24.6% | 21.9% | 22.2% | 56% |
| Brokered Deposits | n/a | n/a | 9.8% | 8.3% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
11.9%
+0.9pp YoY -1.1pp QoQ |
-1.5pp | 13.4% | 14.6% | 12.5% | 58% |
| CRE | n/a | n/a | 25.2% | 36.5% | 41.4% | n/a |
| 1-4 Family |
59.5%
+1.6pp YoY -0.5pp QoQ |
+24.5pp | 35.0% | 29.4% | 31.3% | 80% |
| Consumer |
5.3%
-1.3pp YoY -0.6pp QoQ |
-2.4pp | 7.7% | 4.5% | 5.0% | 52% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 16.5% | 19.7% | n/a |
| Leverage Ratio |
15.5%
+0.8pp YoY +0.2pp QoQ |
-2.2pp | 17.7% | 11.0% | 12.6% | 72% |
| Total Capital Ratio | n/a | n/a | 39.7% | 17.6% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
4
0 YoY 0 QoQ |
-8 | 12 | 55 | 482 | 2% |
| Assets per Employee ($) |
$7.3M
+2.8% YoY +2.8% QoQ |
+$1.2M | $6.2M | $8.6M | $8.8M | 72% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 4 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.4% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 1.7% | 1.0% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 6.41x | 20.41x | 20.23x | n/a |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.2% | 0.2% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
16.7%
+0.2pp YoY +0.3pp QoQ |
+10.3pp | 6.4% | 13.1% | 11.6% | 88% |
| Cost of Funds (YTD) |
0.9%
+0.1pp YoY 0.0pp QoQ |
-0.5pp | 1.4% | 1.7% | 1.7% | 21% |
| Net Income ($, YTD) |
$349,000
+14.1% YoY — QoQ |
+$31K | $317,817 | $4.5M | $40.4M | 58% |
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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.