BlastPoint's Banking Scorecard
Triumph State Bank
Designations: ✓ Community bank
Trimont, MN
4 branches across MN
Triumph State Bank has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.41% above tier average
- + ROA 0.85% above tier average
- + Efficiency Ratio 36.01% below tier average
Key Concerns
Areas that may need attention
- - Nonperforming Asset Ratio 1.38% above tier average
- - Delinquency Rate 1.85% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$94.9M
+1.7% YoY
+2.9% QoQ
|
+$32.7M |
$62.2M
-0.6% YoY
|
$512.9M
+5.5% YoY
|
$6.2B
+9.1% YoY
|
Top 6.3% in tier |
| Total Loans ? |
$63.7M
+8.3% YoY
+0.7% QoQ
|
+$29.4M |
$34.2M
-1.4% YoY
|
$288.3M
+6.9% YoY
|
$3.2B
+10.8% YoY
|
Top 9.4% in tier |
| Total Deposits ? |
$82.0M
+0.9% YoY
+3.2% QoQ
|
+$30.3M |
$51.7M
-0.7% YoY
|
$443.8M
+5.0% YoY
|
$4.8B
+8.2% YoY
|
Top 5.9% in tier |
| Return on Assets ? |
1.69%
+6.0% YoY
+58.3% QoQ
|
+0.85% |
0.84%
-2.3% YoY
|
1.13%
+10.7% YoY
|
1.23%
+13.4% YoY
|
83% |
| Net Interest Margin ? |
5.27%
-2.3% YoY
+2.3% QoQ
|
+1.41% |
3.86%
+2.8% YoY
|
3.93%
+7.5% YoY
|
3.89%
+5.7% YoY
|
Top 6.1% in tier |
| Efficiency Ratio ? |
52.33%
-0.9% YoY
-7.0% QoQ
|
-36.01% |
88.34%
+0.3% YoY
|
64.77%
-3.3% YoY
|
66.95%
-4.1% YoY
|
Top 12.0% in tier |
| Delinquency Rate ? |
3.22%
+219.1% YoY
-31.3% QoQ
|
+1.85% |
1.37%
+33.8% YoY
|
1.04%
+28.9% YoY
|
0.95%
+18.8% YoY
|
Bottom 11.3% in tier |
| Loan-to-Deposit Ratio ? |
77.65%
+7.4% YoY
-2.5% QoQ
|
+13.44% |
64.22%
-0.7% YoY
|
76.69%
-0.4% YoY
|
76.70%
+0.9% YoY
|
30% |
| Non-Interest-Bearing Deposit Share ? |
32.08%
+0.9% YoY
+4.2% QoQ
|
+8.37% |
23.71%
+0.3% YoY
|
21.87%
-0.9% YoY
|
22.01%
-1.2% YoY
|
78% |
| Nonperforming Asset Ratio ? |
2.16%
+216.1% YoY
-32.7% QoQ
|
+1.38% |
0.79%
+28.2% YoY
|
0.77%
+27.1% YoY
|
0.67%
+19.3% YoY
|
Bottom 9.1% in tier |
| Tier 1 Capital Ratio ? |
16.37%
-1.4% YoY
-0.4% QoQ
|
-10.31% |
26.68%
+2.0% YoY
|
15.37%
+0.7% YoY
|
17.06%
+0.8% YoY
|
56% |
| Non-Interest Income / Assets ? |
0.05%
-19.4% YoY
-80.3% QoQ
|
-0.61% |
0.67%
+1.9% YoY
|
0.16%
+5.0% YoY
|
0.32%
+4.1% YoY
|
45% |
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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
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