BlastPoint's Banking Scorecard
American National Bank of Minnesota
Baxter, MN
10 branches across MN
American National Bank of Minnesota has 3 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.11% above tier average
- + Net Interest Margin 0.25% above tier average
- + Efficiency Ratio 0.88% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 33.8% in tier
- - Deposit Outflow: Bottom 38.3% in tier
- - Capital Constraint: Bottom 72.2% in tier
- - Delinquency Rate 0.48% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$469.6M
-2.3% YoY
-1.1% QoQ
|
+$83.5M |
$386.1M
+0.5% YoY
|
$512.9M
+5.5% YoY
|
$6.2B
+9.1% YoY
|
69% |
| Total Loans ? |
$401.6M
-2.8% YoY
+0.6% QoQ
|
+$145.9M |
$255.7M
+1.1% YoY
|
$288.3M
+6.9% YoY
|
$3.2B
+10.8% YoY
|
80% |
| Total Deposits ? |
$340.5M
-4.3% YoY
-0.7% QoQ
|
+$12.6M |
$328.0M
+0.1% YoY
|
$443.8M
+5.0% YoY
|
$4.8B
+8.2% YoY
|
61% |
| Return on Assets ? |
1.37%
+71.1% YoY
+24.5% QoQ
|
+0.11% |
1.27%
+12.9% YoY
|
1.13%
+10.7% YoY
|
1.23%
+13.4% YoY
|
61% |
| Net Interest Margin ? |
4.18%
+10.2% YoY
+0.7% QoQ
|
+0.25% |
3.93%
+6.0% YoY
|
3.93%
+7.5% YoY
|
3.89%
+5.7% YoY
|
67% |
| Efficiency Ratio ? |
64.40%
-16.6% YoY
-7.9% QoQ
|
-0.88% |
65.29%
-4.5% YoY
|
64.77%
-3.3% YoY
|
66.95%
-4.1% YoY
|
46% |
| Delinquency Rate ? |
1.37%
+74.5% YoY
+12.1% QoQ
|
+0.48% |
0.89%
+18.8% YoY
|
1.04%
+28.9% YoY
|
0.95%
+18.8% YoY
|
21% |
| Loan-to-Deposit Ratio ? |
117.93%
+1.5% YoY
+1.4% QoQ
|
+41.29% |
76.64%
+0.8% YoY
|
76.69%
-0.4% YoY
|
76.70%
+0.9% YoY
|
Bottom 1.3% in tier |
| Non-Interest-Bearing Deposit Share ? |
10.45%
+3.9% YoY
-5.3% QoQ
|
-11.57% |
22.02%
-1.0% YoY
|
21.87%
-0.9% YoY
|
22.01%
-1.2% YoY
|
Bottom 11.7% in tier |
| Nonperforming Asset Ratio ? |
1.21%
+48.1% YoY
+17.8% QoQ
|
+0.58% |
0.64%
+19.7% YoY
|
0.77%
+27.1% YoY
|
0.67%
+19.3% YoY
|
15% |
| Tier 1 Capital Ratio ? |
12.86%
+10.1% YoY
+0.7% QoQ
|
-2.97% |
15.83%
+1.5% YoY
|
15.37%
+0.7% YoY
|
17.06%
+0.8% YoY
|
45% |
| Non-Interest Income / Assets ? |
0.05%
-24.0% YoY
-81.8% QoQ
|
-0.23% |
0.28%
+9.3% YoY
|
0.16%
+5.0% YoY
|
0.32%
+4.1% YoY
|
17% |
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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 (3)
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Capital Constraint
riskStrong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.