BlastPoint's Banking Scorecard

Liberty Bank Minnesota

$100M-$1B Specialty: Mortgage MN FDIC cert 26891

Saint Cloud, MN

6 branches across MN

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

Liberty Bank Minnesota 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

+ Credit Quality Leader: Top 43.1% in tier
+ Nonperforming Asset Ratio 0.64% below tier average

Key Concerns

Areas that may need attention

- ROA 0.32% below tier average
- Net Interest Margin 0.82% below tier average
- Efficiency Ratio 9.51% above tier average

Get updates when Liberty Bank Minnesota releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Total Assets ?	$292.0M +5.0% YoY +2.8% QoQ	-$94.1M	$386.1M +0.5% YoY	$512.9M +5.5% YoY	$6.2B +9.1% YoY	45%
Total Loans ?	$133.4M -3.8% YoY -1.5% QoQ	-$122.3M	$255.7M +1.1% YoY	$288.3M +6.9% YoY	$3.2B +10.8% YoY	30%
Total Deposits ?	$264.3M +4.0% YoY +3.6% QoQ	-$63.7M	$328.0M +0.1% YoY	$443.8M +5.0% YoY	$4.8B +8.2% YoY	48%
Return on Assets ?	0.95% +13.3% YoY -11.7% QoQ	-0.32%	1.27% +12.9% YoY	1.13% +10.7% YoY	1.23% +13.4% YoY	35%
Net Interest Margin ?	3.11% -2.8% YoY -3.6% QoQ	-0.82%	3.93% +6.0% YoY	3.93% +7.5% YoY	3.89% +5.7% YoY	Bottom 14.8% in tier
Efficiency Ratio ?	74.80% -4.3% YoY +0.7% QoQ	+9.51%	65.29% -4.5% YoY	64.77% -3.3% YoY	66.95% -4.1% YoY	23%
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 ?	50.49% -7.5% YoY -4.9% QoQ	-26.15%	76.64% +0.8% YoY	76.69% -0.4% YoY	76.70% +0.9% YoY	Top 9.9% in tier
Non-Interest-Bearing Deposit Share ?	19.58% +0.3% YoY +1.6% QoQ	-2.44%	22.02% -1.0% YoY	21.87% -0.9% YoY	22.01% -1.2% YoY	43%
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 ?	25.79% +4.1% YoY -0.5% QoQ	+9.96%	15.83% +1.5% YoY	15.37% +0.7% YoY	17.06% +0.8% YoY	Top 5.9% in tier
Non-Interest Income / Assets ?	0.23% -1.4% YoY -81.2% QoQ	-0.05%	0.28% +9.3% YoY	0.16% +5.0% YoY	0.32% +4.1% YoY	Top 10.6% in tier

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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

#287 of 664 • Top 43.1% 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 (5 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

159

Tier 1 Capital Ratio

capital

Value: 25.79%

Peer Median: 15.83%

#159 of 2664 Top 5.9% in $100M-$1B

264

Loan-to-Deposit Ratio

liquidity

Value: 50.49%

Peer Median: 76.64%

#264 of 2664 Top 9.9% in $100M-$1B

283

Non-Interest Income / Assets

revenue_mix

Value: 0.23%

Peer Median: 0.28%

#283 of 2664 Top 10.6% in $100M-$1B

Top Weaknesses (2 metrics)

2271

Net Interest Margin

profitability

Value: 3.11%

Peer Median: 3.93%

#2271 of 2664 Bottom 14.8% in $100M-$1B

2063

Efficiency Ratio

profitability

Value: 74.80%

Peer Median: 65.29%

#2063 of 2664 Bottom 22.6% in $100M-$1B