BlastPoint's Banking Scorecard
Worthington Federal Savings Bank, FSB
Designations: ✓ Mutual
Worthington, MN
3 branches across MN
Worthington Federal Savings Bank, FSB has 2 strengths but faces 6 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 1.56% below tier average
- + Delinquency Rate 0.49% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 7.4% in tier
- - Credit Quality Pressure: Bottom 24.2% in tier
- - Non-Interest-Bearing Deposit Share 16.31% below tier average
- - Non-Interest Income / Assets 0.25% below tier average
- - ROA 0.66% below tier average
- - Net Interest Margin 0.85% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$136.2M
+29.0% YoY
+2.5% QoQ
|
-$249.8M |
$386.1M
+0.5% YoY
|
$512.9M
+5.5% YoY
|
$6.2B
+9.1% YoY
|
Bottom 10.1% in tier |
| Total Loans ? |
$89.4M
+26.0% YoY
+1.2% QoQ
|
-$166.3M |
$255.7M
+1.1% YoY
|
$288.3M
+6.9% YoY
|
$3.2B
+10.8% YoY
|
15% |
| Total Deposits ? |
$112.7M
+31.0% YoY
+4.5% QoQ
|
-$215.3M |
$328.0M
+0.1% YoY
|
$443.8M
+5.0% YoY
|
$4.8B
+8.2% YoY
|
Bottom 9.7% in tier |
| Return on Assets ? |
0.61%
+260.7% YoY
+1.5% QoQ
|
-0.66% |
1.27%
+12.9% YoY
|
1.13%
+10.7% YoY
|
1.23%
+13.4% YoY
|
16% |
| Net Interest Margin ? |
3.08%
+37.5% YoY
+18.6% QoQ
|
-0.85% |
3.93%
+6.0% YoY
|
3.93%
+7.5% YoY
|
3.89%
+5.7% YoY
|
Bottom 13.7% in tier |
| Efficiency Ratio ? |
63.73%
-28.5% YoY
-9.1% QoQ
|
-1.56% |
65.29%
-4.5% YoY
|
64.77%
-3.3% YoY
|
66.95%
-4.1% YoY
|
48% |
| Delinquency Rate ? |
0.40%
+21.1% YoY
-8.3% QoQ
|
-0.49% |
0.89%
+18.8% YoY
|
1.04%
+28.9% YoY
|
0.95%
+18.8% YoY
|
51% |
| Loan-to-Deposit Ratio ? |
79.33%
-3.8% YoY
-3.2% QoQ
|
+2.69% |
76.64%
+0.8% YoY
|
76.69%
-0.4% YoY
|
76.70%
+0.9% YoY
|
48% |
| Non-Interest-Bearing Deposit Share ? |
5.71%
+0.3% YoY
+3.8% QoQ
|
-16.31% |
22.02%
-1.0% YoY
|
21.87%
-0.9% YoY
|
22.01%
-1.2% YoY
|
Bottom 4.3% in tier |
| Nonperforming Asset Ratio ? |
0.26%
+18.3% YoY
-9.5% QoQ
|
-0.38% |
0.64%
+19.7% YoY
|
0.77%
+27.1% YoY
|
0.67%
+19.3% YoY
|
54% |
| Tier 1 Capital Ratio ? |
30.31%
-7.0% YoY
-4.7% QoQ
|
+14.48% |
15.83%
+1.5% YoY
|
15.37%
+0.7% YoY
|
17.06%
+0.8% YoY
|
Top 3.7% in tier |
| Non-Interest Income / Assets ? |
0.03%
+14.8% YoY
-92.9% QoQ
|
-0.25% |
0.28%
+9.3% YoY
|
0.16%
+5.0% YoY
|
0.32%
+4.1% YoY
|
Bottom 6.8% in tier |
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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 (2)
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.