BlastPoint's Banking Scorecard

MINNESOTA LAKES BANK

$100M-$1B Specialty: Commercial MN FDIC cert 23986

Delano, MN

2 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 +5.4% year over year ($113.5M on the books).
Delinquency rate 3.22%.
Return on assets 1.43%.
Efficiency ratio 67.20% 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.

2643 banks in the $100M-$1B peer group nationally 151 in MN

View $100M-$1B leaderboard (MN) →

MINNESOTA LAKES BANK has 2 strengths but faces 3 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

+ Deposit Franchise: Top 36.0% in tier
+ ROA 0.11% above tier average

Key Concerns

Areas that may need attention

- Delinquency Rate 2.30% above tier average
- Nonperforming Asset Ratio 1.18% above tier average
- Efficiency Ratio 2.72% above tier average

Get updates when MINNESOTA LAKES 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 ?	$129.8M +3.6% YoY +2.6% QoQ	-$256.8M	$386.6M +1.2% YoY	$524.5M +5.8% YoY	$6.3B +7.7% YoY	Bottom 8.1% in tier
Total Loans ?	$74.5M -9.4% YoY -4.9% QoQ	-$183.9M	$258.3M +1.7% YoY	$300.2M +7.3% YoY	$3.2B +9.4% YoY	Bottom 8.3% in tier
Total Deposits ?	$113.5M +5.4% YoY +2.8% QoQ	-$213.3M	$326.7M +0.7% YoY	$452.1M +5.5% YoY	$4.9B +7.3% YoY	Bottom 9.7% in tier
Return on Assets ?	1.43% +6.5% QoQ	+0.11%	1.32% +10.8% YoY	1.26% +17.2% YoY	1.30% +12.1% YoY	61%
Net Interest Margin ?	5.42% -0.9% YoY -1.0% QoQ	+1.43%	3.99% +5.0% YoY	4.00% +6.8% YoY	3.95% +4.9% YoY	Top 3.5% in tier
Efficiency Ratio ?	67.20% -0.5% YoY +5.7% QoQ	+2.72%	64.48% -3.2% YoY	63.00% -3.5% YoY	70.05% +2.5% YoY	36%
Delinquency Rate ?	3.22% +26.3% YoY -9.8% QoQ	+2.30%	0.92% +15.7% YoY	1.01% +19.3% YoY	0.98% +16.3% YoY	Bottom 5.6% in tier
Loan-to-Deposit Ratio ?	65.63% -14.0% YoY -7.4% QoQ	-12.33%	77.95% +1.0% YoY	78.29% -0.6% YoY	79.03% +2.3% YoY	76%
Non-Interest-Bearing Deposit Share ?	31.86% +4.1% YoY +1.4% QoQ	+9.83%	22.03% -0.6% YoY	21.79% +0.9% YoY	21.98% -0.6% YoY	Top 14.6% in tier
Nonperforming Asset Ratio ?	1.85% +10.5% YoY -16.4% QoQ	+1.18%	0.67% +16.4% YoY	0.76% +16.9% YoY	0.69% +15.8% YoY	Bottom 8.6% in tier
Tier 1 Capital Ratio ?	16.85% +17.4% YoY +9.2% QoQ	+0.94%	15.91% +1.4% YoY	15.35% -0.4% YoY	17.09% +0.8% YoY	76%
Non-Interest Income / Assets ?	0.41% -8.2% YoY +114.7% QoQ	-0.16%	0.57% +7.6% YoY	0.31% +3.9% YoY	0.66% +5.2% YoY	Top 13.9% in tier

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	31.9% +1.3pp YoY +0.4pp QoQ	+9.7pp	22.1%	21.9%	22.2%	85%
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	19.7% +0.1pp YoY +0.9pp QoQ	+8.2pp	11.6%	14.6%	12.5%	88%
CRE	60.6% -3.5pp YoY -2.2pp QoQ	+21.1pp	39.5%	36.5%	41.4%	85%
1-4 Family	19.2% +2.7pp YoY +1.4pp QoQ	-13.4pp	32.6%	29.4%	31.3%	28%
Consumer	1.1% +0.1pp YoY +0.1pp QoQ	-3.1pp	4.1%	4.5%	5.0%	30%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
CET1 Ratio	16.9% +2.5pp YoY +1.4pp QoQ	-2.0pp	18.8%	16.5%	19.7%	63%
Leverage Ratio	10.7% +0.3pp YoY 0.0pp QoQ	-1.5pp	12.2%	11.0%	12.6%	45%
Total Capital Ratio	18.0% +2.4pp YoY +1.6pp QoQ	-1.9pp	19.9%	17.6%	20.8%	63%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Full-Time Employees	21 -3 (-12.5%) YoY -1 (-4.5%) QoQ	-38	58	55	482	12%
Assets per Employee ($)	$6.2M +18.4% YoY +7.5% QoQ	-$1.3M	$7.5M	$8.6M	$8.8M	37%
Branch Count	2 0 YoY 0 QoQ	-3	4	4	18	11%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Past Due 90+ Days	0.6% +0.5pp YoY -1.6pp QoQ	+0.2pp	0.3%	0.4%	0.4%	85%
Nonaccrual	2.6% +0.2pp YoY +1.3pp QoQ	+1.7pp	0.9%	1.0%	1.0%	92%
Allowance Coverage	0.37x -58.4% YoY +32.1% QoQ	-23.78x	24.15x	20.41x	20.23x	5%
Net Charge-off Rate (YTD)	-0.2% -0.2pp YoY -0.2pp QoQ	-0.3pp	0.1%	0.2%	0.2%	1%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
ROE	12.1% +12.3pp YoY +0.8pp QoQ	-0.1pp	12.2%	13.1%	11.6%	50%
Cost of Funds (YTD)	0.4% +0.1pp YoY 0.0pp QoQ	-1.3pp	1.7%	1.7%	1.7%	1%
Net Income ($, YTD)	$917,000 +4926.3% YoY — QoQ	-$1.6M	$2.6M	$4.5M	$40.4M	24%

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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)

Deposit Franchise

growth

#101 of 278 • Top 36.0% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature

Noninterest-Bearing Deposit Share: 31.86%

(Tier: 22.03%, National: 21.98%)

better than tier avg

Net Interest Margin: 5.42%

(Tier: 3.99%, National: 3.95%)

better than tier avg

278 of 278 Community banks match · 368 nationally

→ Stable -1 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 2643 peers in $100M-$1B

Top Strengths (5 metrics)

Net Interest Margin

profitability

Value: 5.42%

Peer Median: 3.99%

#94 of 2643 Top 3.5% in $100M-$1B

369

Non-Interest Income / Assets

revenue_mix

Value: 0.41%

Peer Median: 0.57%

#369 of 2643 Top 13.9% in $100M-$1B

388

Non-Interest-Bearing Deposit Share

funding

Value: 31.86%

Peer Median: 22.03%

#388 of 2643 Top 14.6% in $100M-$1B

626

Tier 1 Capital Ratio

capital

Value: 16.85%

Peer Median: 15.91%

#626 of 2643 Top 23.6% in $100M-$1B

642

Loan-to-Deposit Ratio

liquidity

Value: 65.63%

Peer Median: 77.95%

#642 of 2643 Top 24.3% in $100M-$1B

Top Weaknesses (5 metrics)

2487

Delinquency Rate

credit_quality

Value: 3.22%

Peer Median: 0.92%

#2487 of 2633 Bottom 5.6% in $100M-$1B

2429

Total Assets

size

Value: $129.76M

Peer Median: $386.57M

#2429 of 2643 Bottom 8.1% in $100M-$1B

2425

Total Loans

size

Value: $74.47M

Peer Median: $258.35M

#2425 of 2643 Bottom 8.3% in $100M-$1B

2417

Nonperforming Asset Ratio

credit_quality

Value: 1.85%

Peer Median: 0.67%

#2417 of 2643 Bottom 8.6% in $100M-$1B

2388

Total Deposits

size

Value: $113.48M

Peer Median: $326.73M

#2388 of 2643 Bottom 9.7% in $100M-$1B