BlastPoint's Banking Scorecard
Minnesota First Credit and Savings, Incorporated
Rochester, MN
4 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 536 banks in the under $100M peer group nationwide — 1 of 52 in MN.
- Deposits +9.5% year over year ($24.9M on the books).
- Delinquency rate 0.12%.
- Return on assets 0.31%.
- Efficiency ratio 92.25% vs a 119.40% peer average.
- Loan-to-deposit ratio 106.41% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Minnesota First Credit and Savings, Incorporated has 3 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.41% above tier average
- + Efficiency Ratio 27.15% below tier average
- + Delinquency Rate 1.36% below tier average
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 32.20% above tier average
- - Non-Interest-Bearing Deposit Share 22.92% below tier average
- - ROA 0.69% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$29.9M
+9.3% YoY
-0.4% QoQ
|
-$32.5M |
$62.4M
-0.0% YoY
|
$524.5M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
Bottom 11.6% in tier |
| Total Loans ? |
$26.5M
+7.5% YoY
+3.4% QoQ
|
-$8.4M |
$34.9M
-0.6% YoY
|
$300.2M
+7.3% YoY
|
$3.2B
+9.4% YoY
|
38% |
| Total Deposits ? |
$24.9M
+9.5% YoY
-0.6% QoQ
|
-$26.7M |
$51.6M
-0.2% YoY
|
$452.1M
+5.5% YoY
|
$4.9B
+7.3% YoY
|
15% |
| Return on Assets ? |
0.31%
-7.0% YoY
+4.1% QoQ
|
-0.69% |
1.00%
+3.5% YoY
|
1.26%
+17.2% YoY
|
1.30%
+12.1% YoY
|
21% |
| Net Interest Margin ? |
4.32%
+0.0% YoY
+3.0% QoQ
|
+0.41% |
3.91%
+2.3% YoY
|
4.00%
+6.8% YoY
|
3.95%
+4.9% YoY
|
67% |
| Efficiency Ratio ? |
92.25%
+0.4% YoY
-0.1% QoQ
|
-27.15% |
119.40%
+49.6% YoY
|
63.00%
-3.5% YoY
|
70.05%
+2.5% YoY
|
16% |
| Delinquency Rate ? |
0.12%
+9.7% YoY
+14.0% QoQ
|
-1.36% |
1.48%
+31.8% YoY
|
1.01%
+19.3% YoY
|
0.98%
+16.3% YoY
|
64% |
| Loan-to-Deposit Ratio ? |
106.41%
-1.9% YoY
+4.0% QoQ
|
+32.20% |
74.21%
+12.6% YoY
|
78.29%
-0.6% YoY
|
79.03%
+2.3% YoY
|
Bottom 5.6% in tier |
| Non-Interest-Bearing Deposit Share ? |
0.57%
+8.2% YoY
-35.2% QoQ
|
-22.92% |
23.49%
+0.6% YoY
|
21.79%
+0.9% YoY
|
21.98%
-0.6% YoY
|
Bottom 6.3% in tier |
| Nonperforming Asset Ratio ? |
0.11%
+7.8% YoY
+18.3% QoQ
|
-0.73% |
0.84%
+23.0% YoY
|
0.76%
+16.9% YoY
|
0.69%
+15.8% YoY
|
60% |
| Tier 1 Capital Ratio ? |
19.92%
-6.6% YoY
-4.5% QoQ
|
-7.21% |
27.13%
+3.0% YoY
|
15.35%
-0.4% YoY
|
17.09%
+0.8% YoY
|
68% |
| Non-Interest Income / Assets ? |
0.04%
-71.0% YoY
+63.2% QoQ
|
-1.34% |
1.38%
+6.3% YoY
|
0.31%
+3.9% YoY
|
0.66%
+5.2% YoY
|
15% |
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 |
0.6%
0.0pp YoY -0.3pp QoQ |
-24.1pp | 24.6% | 21.9% | 22.2% | 2% |
| Brokered Deposits |
3.8%
+1.8pp YoY 0.0pp QoQ |
-6.0pp | 9.8% | 8.3% | 8.5% | 35% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
1.3%
-0.7pp YoY 0.0pp QoQ |
-12.1pp | 13.4% | 14.6% | 12.5% | 3% |
| CRE | n/a | n/a | 25.2% | 36.5% | 41.4% | n/a |
| 1-4 Family |
62.8%
-0.8pp YoY -2.0pp QoQ |
+27.8pp | 35.0% | 29.4% | 31.3% | 82% |
| Consumer |
35.1%
+0.4pp YoY +2.0pp QoQ |
+27.5pp | 7.7% | 4.5% | 5.0% | 98% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
19.9%
-1.4pp YoY -0.9pp QoQ |
-18.8pp | 38.7% | 16.5% | 19.7% | 46% |
| Leverage Ratio |
14.2%
-1.1pp YoY -0.1pp QoQ |
-3.5pp | 17.7% | 11.0% | 12.6% | 64% |
| Total Capital Ratio |
21.2%
-1.4pp YoY -0.9pp QoQ |
-18.5pp | 39.7% | 17.6% | 20.8% | 47% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
6
-1 (-14.3%) YoY 0 QoQ |
-6 | 12 | 55 | 482 | 13% |
| Assets per Employee ($) |
$5.0M
+27.5% YoY -0.4% QoQ |
-$1.2M | $6.2M | $8.6M | $8.8M | 35% |
| Branch Count |
4
0 YoY 0 QoQ |
+2 | 1 | 4 | 18 | 96% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.4% | 0.4% | n/a |
| Nonaccrual |
0.1%
0.0pp YoY 0.0pp QoQ |
-1.6pp | 1.7% | 1.0% | 1.0% | 15% |
| Allowance Coverage |
12.39x
-15.2% YoY -15.2% QoQ |
+5.98x | 6.41x | 20.41x | 20.23x | 89% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.2% | 0.2% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
2.2%
0.0pp YoY +0.1pp QoQ |
-4.2pp | 6.4% | 13.1% | 11.6% | 20% |
| Cost of Funds (YTD) |
3.4%
-0.4pp YoY 0.0pp QoQ |
+2.0pp | 1.4% | 1.7% | 1.7% | 100% |
| Net Income ($, YTD) |
$46,000
+2.2% YoY — QoQ |
-$272K | $317,817 | $4.5M | $40.4M | 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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.