BlastPoint's Banking Scorecard
New Market Bank
Elko New Market, MN
3 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 +3.3% year over year ($177.5M on the books).
- Delinquency rate 0.00%.
- Return on assets 1.13%.
- Efficiency ratio 67.62% vs a 64.48% peer average.
- Loan-to-deposit ratio 65.63% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
New Market Bank has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 34.6% in tier
- + Nonperforming Asset Ratio 0.67% below tier average
- + Net Interest Margin 0.42% above tier average
Key Concerns
Areas that may need attention
- - ROA 0.19% below tier average
- - Efficiency Ratio 3.15% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$196.0M
+3.7% YoY
+1.2% QoQ
|
-$190.6M |
$386.6M
+1.2% YoY
|
$524.5M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
26% |
| Total Loans ? |
$116.5M
+5.7% YoY
+3.2% QoQ
|
-$141.8M |
$258.3M
+1.7% YoY
|
$300.2M
+7.3% YoY
|
$3.2B
+9.4% YoY
|
24% |
| Total Deposits ? |
$177.5M
+3.3% YoY
+0.9% QoQ
|
-$149.2M |
$326.7M
+0.7% YoY
|
$452.1M
+5.5% YoY
|
$4.9B
+7.3% YoY
|
29% |
| Return on Assets ? |
1.13%
+16.1% YoY
+6.5% QoQ
|
-0.19% |
1.32%
+10.8% YoY
|
1.26%
+17.2% YoY
|
1.30%
+12.1% YoY
|
42% |
| Net Interest Margin ? |
4.41%
+9.6% YoY
+1.5% QoQ
|
+0.42% |
3.99%
+5.0% YoY
|
4.00%
+6.8% YoY
|
3.95%
+4.9% YoY
|
75% |
| Efficiency Ratio ? |
67.62%
-5.2% YoY
-3.5% QoQ
|
+3.15% |
64.48%
-3.2% YoY
|
63.00%
-3.5% YoY
|
70.05%
+2.5% YoY
|
35% |
| Delinquency Rate ? | 0.00% | -0.92% |
0.92%
+15.7% YoY
|
1.01%
+19.3% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
65.63%
+2.4% YoY
+2.3% QoQ
|
-12.32% |
77.95%
+1.0% YoY
|
78.29%
-0.6% YoY
|
79.03%
+2.3% YoY
|
76% |
| Non-Interest-Bearing Deposit Share ? |
33.16%
+5.3% YoY
+5.6% QoQ
|
+11.13% |
22.03%
-0.6% YoY
|
21.79%
+0.9% YoY
|
21.98%
-0.6% YoY
|
Top 12.3% in tier |
| Nonperforming Asset Ratio ? | 0.00% | -0.67% |
0.67%
+16.4% YoY
|
0.76%
+16.9% YoY
|
0.69%
+15.8% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
13.07%
-5.6% YoY
-5.4% QoQ
|
-2.84% |
15.91%
+1.4% YoY
|
15.35%
-0.4% YoY
|
17.09%
+0.8% YoY
|
48% |
| Non-Interest Income / Assets ? |
0.38%
-11.3% YoY
+114.6% QoQ
|
-0.18% |
0.57%
+7.6% YoY
|
0.31%
+3.9% YoY
|
0.66%
+5.2% YoY
|
83% |
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 |
33.2%
+1.7pp YoY +1.8pp QoQ |
+11.0pp | 22.1% | 21.9% | 22.2% | 88% |
| Brokered Deposits | n/a | n/a | 7.9% | 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 |
11.4%
-1.5pp YoY +0.3pp QoQ |
-0.2pp | 11.6% | 14.6% | 12.5% | 60% |
| CRE |
39.6%
-3.8pp YoY -2.5pp QoQ |
+0.1pp | 39.5% | 36.5% | 41.4% | 52% |
| 1-4 Family |
46.2%
+3.2pp YoY +2.2pp QoQ |
+13.6pp | 32.6% | 29.4% | 31.3% | 78% |
| Consumer |
3.3%
+2.5pp YoY +0.1pp QoQ |
-0.8pp | 4.1% | 4.5% | 5.0% | 63% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
10.1%
-0.5pp YoY -0.5pp QoQ |
-8.7pp | 18.8% | 16.5% | 19.7% | 3% |
| Leverage Ratio |
9.1%
+0.2pp YoY +0.2pp QoQ |
-3.1pp | 12.2% | 11.0% | 12.6% | 14% |
| Total Capital Ratio |
14.2%
-0.9pp YoY -0.8pp QoQ |
-5.7pp | 19.9% | 17.6% | 20.8% | 29% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
37
+2 (+5.7%) YoY 0 QoQ |
-22 | 58 | 55 | 482 | 37% |
| Assets per Employee ($) |
$5.3M
-1.9% YoY +1.2% QoQ |
-$2.2M | $7.5M | $8.6M | $8.8M | 19% |
| Branch Count |
3
0 YoY 0 QoQ |
-2 | 4 | 4 | 18 | 26% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.4% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 0.9% | 1.0% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 24.15x | 20.41x | 20.23x | n/a |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.2% | 0.2% | 24% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
13.1%
+1.1pp YoY +0.7pp QoQ |
+0.9pp | 12.2% | 13.1% | 11.6% | 56% |
| Cost of Funds (YTD) |
1.0%
-0.1pp YoY 0.0pp QoQ |
-0.7pp | 1.7% | 1.7% | 1.7% | 10% |
| Net Income ($, YTD) |
$1.1M
+20.4% YoY — QoQ |
-$1.5M | $2.6M | $4.5M | $40.4M | 29% |
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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 (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.