BlastPoint's Banking Scorecard

Triumph State Bank

under $100M Specialty: Agricultural MN FDIC cert 1906

Designations: ✓ Community bank

Trimont, 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 536 banks in the under $100M peer group nationwide — 1 of 52 in MN.
Deposits +4.5% year over year ($80.0M on the books).
Delinquency rate 5.07%.
Return on assets 1.56%.
Efficiency ratio 52.53% vs a 119.40% peer average.
Loan-to-deposit ratio 78.76% 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) →

Triumph State Bank has 4 strengths but faces 2 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 1.22% above tier average
+ Non-Interest-Bearing Deposit Share 19.33% above tier average
+ ROA 0.56% above tier average
+ Efficiency Ratio 66.86% below tier average

Key Concerns

Areas that may need attention

- Delinquency Rate 3.59% above tier average
- Nonperforming Asset Ratio 2.59% above tier average

Get updates when Triumph State 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 ?	$93.3M +4.9% YoY -1.7% QoQ	+$30.9M	$62.4M -0.0% YoY	$524.5M +5.8% YoY	$6.3B +7.7% YoY	Top 9.3% in tier
Total Loans ?	$63.0M +7.8% YoY -1.0% QoQ	+$28.1M	$34.9M -0.6% YoY	$300.2M +7.3% YoY	$3.2B +9.4% YoY	Top 10.8% in tier
Total Deposits ?	$80.0M +4.5% YoY -2.4% QoQ	+$28.4M	$51.6M -0.2% YoY	$452.1M +5.5% YoY	$4.9B +7.3% YoY	Top 9.9% in tier
Return on Assets ?	1.56% -2.1% YoY -7.5% QoQ	+0.56%	1.00% +3.5% YoY	1.26% +17.2% YoY	1.30% +12.1% YoY	77%
Net Interest Margin ?	5.13% -5.1% YoY -2.6% QoQ	+1.22%	3.91% +2.3% YoY	4.00% +6.8% YoY	3.95% +4.9% YoY	Top 8.8% in tier
Efficiency Ratio ?	52.53% -0.4% YoY +0.4% QoQ	-66.86%	119.40% +49.6% YoY	63.00% -3.5% YoY	70.05% +2.5% YoY	Top 12.9% in tier
Delinquency Rate ?	5.07% +638.9% YoY +57.3% QoQ	+3.59%	1.48% +31.8% YoY	1.01% +19.3% YoY	0.98% +16.3% YoY	Bottom 5.8% in tier
Loan-to-Deposit Ratio ?	78.76% +3.2% YoY +1.4% QoQ	+4.55%	74.21% +12.6% YoY	78.29% -0.6% YoY	79.03% +2.3% YoY	32%
Non-Interest-Bearing Deposit Share ?	42.81% +55.7% YoY +33.5% QoQ	+19.33%	23.49% +0.6% YoY	21.79% +0.9% YoY	21.98% -0.6% YoY	Top 6.7% in tier
Nonperforming Asset Ratio ?	3.42% +584.6% YoY +58.2% QoQ	+2.59%	0.84% +23.0% YoY	0.76% +16.9% YoY	0.69% +15.8% YoY	Bottom 3.9% in tier
Tier 1 Capital Ratio ?	16.57% -4.7% YoY +1.2% QoQ	-10.56%	27.13% +3.0% YoY	15.35% -0.4% YoY	17.09% +0.8% YoY	56%
Non-Interest Income / Assets ?	0.12% -15.6% YoY +119.6% QoQ	-1.26%	1.38% +6.3% YoY	0.31% +3.9% YoY	0.66% +5.2% YoY	46%

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	42.8% +15.3pp YoY +10.7pp QoQ	+18.2pp	24.6%	21.9%	22.2%	93%
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	19.7% -0.6pp YoY +1.0pp QoQ	+6.3pp	13.4%	14.6%	12.5%	78%
CRE	16.2% -0.4pp YoY -0.3pp QoQ	-9.1pp	25.2%	36.5%	41.4%	38%
1-4 Family	4.3% +0.2pp YoY +0.3pp QoQ	-30.7pp	35.0%	29.4%	31.3%	13%
Consumer	5.0% -0.3pp YoY +0.4pp QoQ	-2.7pp	7.7%	4.5%	5.0%	50%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
CET1 Ratio	16.6% -0.8pp YoY +0.2pp QoQ	-22.1pp	38.7%	16.5%	19.7%	32%
Leverage Ratio	12.9% +0.4pp YoY +0.6pp QoQ	-4.8pp	17.7%	11.0%	12.6%	51%
Total Capital Ratio	17.7% -0.9pp YoY +0.1pp QoQ	-22.0pp	39.7%	17.6%	20.8%	32%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Full-Time Employees	16 -2 (-11.1%) YoY 0 QoQ	+4	12	55	482	77%
Assets per Employee ($)	$5.8M +18.0% YoY -1.7% QoQ	-$357K	$6.2M	$8.6M	$8.8M	47%
Branch Count	4 0 YoY 0 QoQ	+2	1	4	18	96%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Past Due 90+ Days	1.5% +1.3pp YoY	+0.6pp	1.0%	0.4%	0.4%	84%
Nonaccrual	3.5% +3.0pp YoY +0.3pp QoQ	+1.8pp	1.7%	1.0%	1.0%	89%
Allowance Coverage	0.26x -87.3% YoY -37.4% QoQ	-6.15x	6.41x	20.41x	20.23x	5%
Net Charge-off Rate (YTD)	0.2% +0.1pp YoY +0.2pp QoQ	0.0pp	0.2%	0.2%	0.2%	76%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
ROE	12.3% -0.7pp YoY -1.2pp QoQ	+5.9pp	6.4%	13.1%	11.6%	74%
Cost of Funds (YTD)	1.0% -0.1pp YoY 0.0pp QoQ	-0.4pp	1.4%	1.7%	1.7%	28%
Net Income ($, YTD)	$728,000 +0.4% YoY — QoQ	+$410K	$317,817	$4.5M	$40.4M	89%

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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 (7 metrics)

Non-Interest-Bearing Deposit Share

funding

Value: 42.81%

Peer Median: 23.49%

#37 of 536 Top 6.7% in under $100M

Net Interest Margin

profitability

Value: 5.13%

Peer Median: 3.91%

#48 of 536 Top 8.8% in under $100M

Total Assets

size

Value: $93.30M

Peer Median: $62.44M

#51 of 536 Top 9.3% in under $100M

Total Deposits

size

Value: $80.03M

Peer Median: $51.62M

#54 of 536 Top 9.9% in under $100M

Total Loans

size

Value: $63.03M

Peer Median: $34.89M

#59 of 536 Top 10.8% in under $100M

Efficiency Ratio

profitability

Value: 52.53%

Peer Median: 119.40%

#70 of 536 Top 12.9% in under $100M

124

Return on Assets

profitability

Value: 1.56%

Peer Median: 1.00%

#124 of 536 Top 22.9% in under $100M

Top Weaknesses (2 metrics)

516

Nonperforming Asset Ratio

credit_quality

Value: 3.42%

Peer Median: 0.84%

#516 of 536 Bottom 3.9% in under $100M

488

Delinquency Rate

credit_quality

Value: 5.07%

Peer Median: 1.48%

#488 of 517 Bottom 5.8% in under $100M