BlastPoint's Banking Scorecard

New Market Bank

$100M-$1B Specialty: Commercial MN FDIC cert 1931

Elko New Market, MN

3 branches across MN

2664 banks in the $100M-$1B peer group nationally 152 in MN

New Market Bank has 3 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

+ Credit Quality Leader: Top 37.6% in tier
+ Nonperforming Asset Ratio 0.64% below tier average
+ Net Interest Margin 0.41% above tier average

Key Concerns

Areas that may need attention

- ROA 0.21% below tier average
- Efficiency Ratio 4.77% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Total Assets ?	$193.7M +2.0% YoY +1.5% QoQ	-$192.3M	$386.1M +0.5% YoY	$512.9M +5.5% YoY	$6.2B +9.1% YoY	25%
Total Loans ?	$112.9M +1.7% YoY +0.2% QoQ	-$142.8M	$255.7M +1.1% YoY	$288.3M +6.9% YoY	$3.2B +10.8% YoY	24%
Total Deposits ?	$176.0M +1.3% YoY +1.6% QoQ	-$152.0M	$328.0M +0.1% YoY	$443.8M +5.0% YoY	$4.8B +8.2% YoY	28%
Return on Assets ?	1.06% +27.1% YoY +21.6% QoQ	-0.21%	1.27% +12.9% YoY	1.13% +10.7% YoY	1.23% +13.4% YoY	41%
Net Interest Margin ?	4.34% +11.0% YoY +5.6% QoQ	+0.41%	3.93% +6.0% YoY	3.93% +7.5% YoY	3.89% +5.7% YoY	75%
Efficiency Ratio ?	70.06% -4.5% YoY -0.4% QoQ	+4.77%	65.29% -4.5% YoY	64.77% -3.3% YoY	66.95% -4.1% YoY	32%
Delinquency Rate ?	0.00%	-0.89%	0.89% +18.8% YoY	1.04% +28.9% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	64.17% +0.4% YoY -1.3% QoQ	-12.47%	76.64% +0.8% YoY	76.69% -0.4% YoY	76.70% +0.9% YoY	76%
Non-Interest-Bearing Deposit Share ?	31.41% -7.3% YoY -2.4% QoQ	+9.39%	22.02% -1.0% YoY	21.87% -0.9% YoY	22.01% -1.2% YoY	Top 15.0% in tier
Nonperforming Asset Ratio ?	0.00%	-0.64%	0.64% +19.7% YoY	0.77% +27.1% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	13.81% +1.7% YoY +7.0% QoQ	-2.02%	15.83% +1.5% YoY	15.37% +0.7% YoY	17.06% +0.8% YoY	55%
Non-Interest Income / Assets ?	0.18% -2.6% YoY -78.7% QoQ	-0.10%	0.28% +9.3% YoY	0.16% +5.0% YoY	0.32% +4.1% YoY	81%

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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 (1)

Credit Quality Leader

growth

#251 of 664 • Top 37.6% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.00%

(Tier: 0.89%, National: 0.95%)

better than tier avg

664 of 664 Community banks match · 922 nationally

→ Stable +2 banks QoQ | QoQ rank improving

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 2664 peers in $100M-$1B

Top Strengths (6 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 2654 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.64%

#1 of 2664 Top 0.1% in $100M-$1B

400

Non-Interest-Bearing Deposit Share

funding

Value: 31.41%

Peer Median: 22.02%

#400 of 2664 Top 15.0% in $100M-$1B

497

Non-Interest Income / Assets

revenue_mix

Value: 0.18%

Peer Median: 0.28%

#497 of 2664 Top 18.6% in $100M-$1B

635

Loan-to-Deposit Ratio

liquidity

Value: 64.17%

Peer Median: 76.64%

#635 of 2664 Top 23.8% in $100M-$1B

665

Net Interest Margin

profitability

Value: 4.34%

Peer Median: 3.93%

#665 of 2664 Top 24.9% in $100M-$1B

Top Weaknesses (2 metrics)

2030

Total Loans

size

Value: $112.93M

Peer Median: $255.72M

#2030 of 2664 Bottom 23.8% in $100M-$1B

2001

Total Assets

size

Value: $193.73M

Peer Median: $386.08M

#2001 of 2664 Bottom 24.9% in $100M-$1B