BlastPoint's Banking Scorecard
Minnesota First Credit and Savings, Incorporated
Rochester, MN
4 branches across MN
Minnesota First Credit and Savings, Incorporated has 2 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.34% above tier average
- + Delinquency Rate 1.26% below tier average
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 38.08% above tier average
- - Non-Interest-Bearing Deposit Share 22.84% below tier average
- - ROA 0.54% below tier average
- - Efficiency Ratio 4.02% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$30.0M
+9.5% YoY
+3.7% QoQ
|
-$32.1M |
$62.2M
-0.6% YoY
|
$512.9M
+5.5% YoY
|
$6.2B
+9.1% YoY
|
Bottom 11.6% in tier |
| Total Loans ? |
$25.6M
+8.9% YoY
+0.4% QoQ
|
-$8.6M |
$34.2M
-1.4% YoY
|
$288.3M
+6.9% YoY
|
$3.2B
+10.8% YoY
|
38% |
| Total Deposits ? |
$25.1M
+13.3% YoY
+4.5% QoQ
|
-$26.7M |
$51.7M
-0.7% YoY
|
$443.8M
+5.0% YoY
|
$4.8B
+8.2% YoY
|
16% |
| Return on Assets ? |
0.30%
+121.6% YoY
-19.3% QoQ
|
-0.54% |
0.84%
-2.3% YoY
|
1.13%
+10.7% YoY
|
1.23%
+13.4% YoY
|
23% |
| Net Interest Margin ? |
4.20%
+4.3% YoY
-4.1% QoQ
|
+0.34% |
3.86%
+2.8% YoY
|
3.93%
+7.5% YoY
|
3.89%
+5.7% YoY
|
65% |
| Efficiency Ratio ? |
92.36%
-4.4% YoY
+1.7% QoQ
|
+4.02% |
88.34%
+0.3% YoY
|
64.77%
-3.3% YoY
|
66.95%
-4.1% YoY
|
18% |
| Delinquency Rate ? |
0.11%
-8.2% YoY
-39.3% QoQ
|
-1.26% |
1.37%
+33.8% YoY
|
1.04%
+28.9% YoY
|
0.95%
+18.8% YoY
|
63% |
| Loan-to-Deposit Ratio ? |
102.30%
-3.8% YoY
-4.0% QoQ
|
+38.08% |
64.22%
-0.7% YoY
|
76.69%
-0.4% YoY
|
76.70%
+0.9% YoY
|
Bottom 5.7% in tier |
| Non-Interest-Bearing Deposit Share ? |
0.87%
+22.4% YoY
+13.9% QoQ
|
-22.84% |
23.71%
+0.3% YoY
|
21.87%
-0.9% YoY
|
22.01%
-1.2% YoY
|
Bottom 6.8% in tier |
| Nonperforming Asset Ratio ? |
0.09%
-8.7% YoY
-41.3% QoQ
|
-0.69% |
0.79%
+28.2% YoY
|
0.77%
+27.1% YoY
|
0.67%
+19.3% YoY
|
61% |
| Tier 1 Capital Ratio ? |
20.86%
-4.1% YoY
+0.2% QoQ
|
-5.83% |
26.68%
+2.0% YoY
|
15.37%
+0.7% YoY
|
17.06%
+0.8% YoY
|
72% |
| Non-Interest Income / Assets ? |
0.03%
-59.4% YoY
-87.6% QoQ
|
-0.64% |
0.67%
+1.9% YoY
|
0.16%
+5.0% YoY
|
0.32%
+4.1% YoY
|
20% |
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Signature Analysis
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Strengths (0)
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Metric Rankings
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