BlastPoint's Banking Scorecard

St. Martin National Bank

under $100M Specialty: Other MN FDIC cert 18937

Designations: ✓ Community bank

Saint Martin, MN

537 banks in the under $100M peer group nationally 54 in MN

St. Martin National Bank has 5 strengths but faces 1 concern

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

+ Return on Assets 1.52% above tier average
+ Delinquency Rate 1.36% below tier average
+ Nonperforming Asset Ratio 0.77% below tier average
+ Non-Interest Income / Assets 0.27% below tier average
+ Efficiency Ratio 34.19% below tier average

Key Concerns

Areas that may need attention

- Net Interest Margin 0.25% below tier average

Get updates when St. Martin National Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Total Assets ?	$28.6M -4.9% YoY +0.5% QoQ	-$33.7M	$62.3M -0.5% YoY	$514.9M +5.5% YoY	$6.2B +9.0% YoY	Bottom 10.6% in tier
Total Loans ?	$12.5M -3.6% YoY -1.3% QoQ	-$21.8M	$34.3M -1.5% YoY	$289.5M +6.9% YoY	$3.2B +10.7% YoY	Bottom 14.2% in tier
Total Deposits ?	$24.4M -7.2% YoY +0.7% QoQ	-$27.4M	$51.8M -0.6% YoY	$445.6M +5.0% YoY	$4.8B +8.0% YoY	Bottom 14.3% in tier
Return on Assets ?	2.37% +11.0% YoY +43.4% QoQ	+1.52%	0.86% -3.6% YoY	1.14% +11.1% YoY	1.24% +13.1% YoY	Top 6.0% in tier
Net Interest Margin ?	3.62% +8.0% YoY +0.5% QoQ	-0.25%	3.87% +2.7% YoY	3.93% +7.5% YoY	3.89% +5.7% YoY	38%
Efficiency Ratio ?	53.44% +0.5% YoY -15.6% QoQ	-34.19%	87.63% +2.3% YoY	64.52% -3.4% YoY	66.84% -3.8% YoY	Top 12.8% in tier
Delinquency Rate ?	0.00%	-1.36%	1.36% +33.7% YoY	1.04% +28.5% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	51.27% +3.9% YoY -2.0% QoQ	-12.84%	64.11% -0.9% YoY	76.74% -0.5% YoY	76.69% +0.9% YoY	68%
Non-Interest-Bearing Deposit Share ?	25.67% -22.7% YoY -7.8% QoQ	+1.89%	23.79% +0.5% YoY	21.89% -0.8% YoY	22.01% -1.1% YoY	58%
Nonperforming Asset Ratio ?	0.00%	-0.77%	0.77% +28.7% YoY	0.77% +26.8% YoY	0.66% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	15.30% +9.0% YoY +6.0% QoQ	-11.47%	26.77% +2.0% YoY	15.37% +0.7% YoY	17.06% +0.8% YoY	49%
Non-Interest Income / Assets ?	0.40% +22.1% YoY -63.2% QoQ	-0.27%	0.67% +1.6% YoY	0.15% +3.6% YoY	0.32% +4.0% YoY	Top 5.8% 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 537 peers in under $100M

Top Strengths (5 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 1.36%

#1 of 517 Top 0.1% in under $100M

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.77%

#1 of 537 Top 0.1% in under $100M

Non-Interest Income / Assets

revenue_mix

Value: 0.40%

Peer Median: 0.67%

#32 of 537 Top 5.8% in under $100M

Return on Assets

profitability

Value: 2.37%

Peer Median: 0.86%

#33 of 537 Top 6.0% in under $100M

Efficiency Ratio

profitability

Value: 53.44%

Peer Median: 87.63%

#70 of 537 Top 12.8% in under $100M

Top Weaknesses (3 metrics)

481

Total Assets

size

Value: $28.58M

Peer Median: $62.28M

#481 of 537 Bottom 10.6% in under $100M

462

Total Loans

size

Value: $12.52M

Peer Median: $34.29M

#462 of 537 Bottom 14.2% in under $100M

461

Total Deposits

size

Value: $24.42M

Peer Median: $51.83M

#461 of 537 Bottom 14.3% in under $100M