BlastPoint's Banking Scorecard
Profinium, Inc.
Truman, MN
4 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 +3.0% year over year ($455.1M on the books).
- Delinquency rate 0.13%.
- Return on assets 0.92%.
- Efficiency ratio 66.36% vs a 64.48% peer average.
- Loan-to-deposit ratio 85.46% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Profinium, Inc. has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.78% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.40% below tier average
- - Net Interest Margin 0.52% below tier average
- - Efficiency Ratio 1.88% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$533.1M
+2.7% YoY
+1.8% QoQ
|
+$146.5M |
$386.6M
+1.2% YoY
|
$524.5M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
75% |
| Total Loans ? |
$388.9M
-3.7% YoY
+0.9% QoQ
|
+$130.6M |
$258.3M
+1.7% YoY
|
$300.2M
+7.3% YoY
|
$3.2B
+9.4% YoY
|
78% |
| Total Deposits ? |
$455.1M
+3.0% YoY
+1.6% QoQ
|
+$128.3M |
$326.7M
+0.7% YoY
|
$452.1M
+5.5% YoY
|
$4.9B
+7.3% YoY
|
75% |
| Return on Assets ? |
0.92%
+28.1% YoY
+24.3% QoQ
|
-0.40% |
1.32%
+10.8% YoY
|
1.26%
+17.2% YoY
|
1.30%
+12.1% YoY
|
30% |
| Net Interest Margin ? |
3.47%
+9.2% YoY
+2.8% QoQ
|
-0.52% |
3.99%
+5.0% YoY
|
4.00%
+6.8% YoY
|
3.95%
+4.9% YoY
|
26% |
| Efficiency Ratio ? |
66.36%
-7.5% YoY
-4.2% QoQ
|
+1.88% |
64.48%
-3.2% YoY
|
63.00%
-3.5% YoY
|
70.05%
+2.5% YoY
|
38% |
| Delinquency Rate ? |
0.13%
-28.7% YoY
-28.8% QoQ
|
-0.78% |
0.92%
+15.7% YoY
|
1.01%
+19.3% YoY
|
0.98%
+16.3% YoY
|
71% |
| Loan-to-Deposit Ratio ? |
85.46%
-6.5% YoY
-0.8% QoQ
|
+7.51% |
77.95%
+1.0% YoY
|
78.29%
-0.6% YoY
|
79.03%
+2.3% YoY
|
37% |
| Non-Interest-Bearing Deposit Share ? |
18.00%
+2.9% YoY
-5.7% QoQ
|
-4.03% |
22.03%
-0.6% YoY
|
21.79%
+0.9% YoY
|
21.98%
-0.6% YoY
|
36% |
| Nonperforming Asset Ratio ? |
0.10%
-33.2% YoY
-29.4% QoQ
|
-0.57% |
0.67%
+16.4% YoY
|
0.76%
+16.9% YoY
|
0.69%
+15.8% YoY
|
72% |
| Tier 1 Capital Ratio ? |
13.17%
+12.8% YoY
+2.1% QoQ
|
-2.74% |
15.91%
+1.4% YoY
|
15.35%
-0.4% YoY
|
17.09%
+0.8% YoY
|
50% |
| Non-Interest Income / Assets ? |
0.28%
+3.3% YoY
+125.7% QoQ
|
-0.28% |
0.57%
+7.6% YoY
|
0.31%
+3.9% YoY
|
0.66%
+5.2% YoY
|
70% |
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 |
18.0%
+0.5pp YoY -1.1pp QoQ |
-4.1pp | 22.1% | 21.9% | 22.2% | 36% |
| Brokered Deposits |
1.8%
-0.1pp YoY 0.0pp QoQ |
-6.0pp | 7.9% | 8.3% | 8.5% | 28% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
6.6%
-1.3pp YoY +0.2pp QoQ |
-5.0pp | 11.6% | 14.6% | 12.5% | 30% |
| CRE |
36.7%
+0.7pp YoY -0.2pp QoQ |
-2.9pp | 39.5% | 36.5% | 41.4% | 46% |
| 1-4 Family |
17.7%
+2.6pp YoY +0.4pp QoQ |
-15.0pp | 32.6% | 29.4% | 31.3% | 25% |
| Consumer |
0.4%
+0.1pp YoY +0.1pp QoQ |
-3.7pp | 4.1% | 4.5% | 5.0% | 15% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
13.2%
+1.5pp YoY +0.3pp QoQ |
-5.7pp | 18.8% | 16.5% | 19.7% | 30% |
| Leverage Ratio |
10.2%
+0.7pp YoY 0.0pp QoQ |
-2.0pp | 12.2% | 11.0% | 12.6% | 35% |
| Total Capital Ratio |
14.4%
+1.5pp YoY +0.3pp QoQ |
-5.5pp | 19.9% | 17.6% | 20.8% | 31% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
66
-2 (-2.9%) YoY -1 (-1.5%) QoQ |
+7 | 58 | 55 | 482 | 68% |
| Assets per Employee ($) |
$8.1M
+5.8% YoY +3.3% QoQ |
+$559K | $7.5M | $8.6M | $8.8M | 69% |
| Branch Count |
4
0 YoY 0 QoQ |
-1 | 4 | 4 | 18 | 42% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.4% | 0.4% | n/a |
| Nonaccrual |
0.1%
-0.1pp YoY 0.0pp QoQ |
-0.8pp | 0.9% | 1.0% | 1.0% | 23% |
| Allowance Coverage |
9.62x
+38.0% YoY +35.4% QoQ |
-14.53x | 24.15x | 20.41x | 20.23x | 81% |
| Net Charge-off Rate (YTD) |
0.1%
+0.1pp YoY +0.1pp QoQ |
-0.1pp | 0.1% | 0.2% | 0.2% | 68% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
10.1%
+1.1pp YoY +1.9pp QoQ |
-2.1pp | 12.2% | 13.1% | 11.6% | 37% |
| Cost of Funds (YTD) |
2.0%
-0.4pp YoY 0.0pp QoQ |
+0.3pp | 1.7% | 1.7% | 1.7% | 70% |
| Net Income ($, YTD) |
$2.4M
+28.7% YoY — QoQ |
-$124K | $2.6M | $4.5M | $40.4M | 60% |
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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.