BlastPoint's Banking Scorecard

Premier Bank Minnesota

$100M-$1B Specialty: Commercial MN FDIC cert 33204

Hastings, MN

12 branches across MN

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

Premier Bank Minnesota demonstrates 4 strengths

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

+ Profitability Leader: Top 40.7% in tier
+ Net Interest Margin 0.51% above tier average
+ Efficiency Ratio 9.35% below tier average
+ Delinquency Rate 0.82% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when Premier 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 ?	$699.2M +1.9% YoY -1.5% QoQ	+$313.1M	$386.1M +0.5% YoY	$512.9M +5.5% YoY	$6.2B +9.1% YoY	Top 12.7% in tier
Total Loans ?	$553.0M -1.5% YoY -0.5% QoQ	+$297.3M	$255.7M +1.1% YoY	$288.3M +6.9% YoY	$3.2B +10.8% YoY	Top 7.9% in tier
Total Deposits ?	$628.5M +3.4% YoY +0.3% QoQ	+$300.5M	$328.0M +0.1% YoY	$443.8M +5.0% YoY	$4.8B +8.2% YoY	Top 10.9% in tier
Return on Assets ?	2.00% +20.7% YoY +19.2% QoQ	+0.73%	1.27% +12.9% YoY	1.13% +10.7% YoY	1.23% +13.4% YoY	Top 12.5% in tier
Net Interest Margin ?	4.44% +12.9% YoY +7.4% QoQ	+0.51%	3.93% +6.0% YoY	3.93% +7.5% YoY	3.89% +5.7% YoY	80%
Efficiency Ratio ?	55.93% -4.5% YoY -5.8% QoQ	-9.35%	65.29% -4.5% YoY	64.77% -3.3% YoY	66.95% -4.1% YoY	71%
Delinquency Rate ?	0.06% -91.4% YoY +204.2% QoQ	-0.82%	0.89% +18.8% YoY	1.04% +28.9% YoY	0.95% +18.8% YoY	78%
Loan-to-Deposit Ratio ?	87.99% -4.8% YoY -0.8% QoQ	+11.35%	76.64% +0.8% YoY	76.69% -0.4% YoY	76.70% +0.9% YoY	29%
Non-Interest-Bearing Deposit Share ?	25.73% +22.4% YoY +1.1% QoQ	+3.71%	22.02% -1.0% YoY	21.87% -0.9% YoY	22.01% -1.2% YoY	69%
Nonperforming Asset Ratio ?	0.05% -91.7% YoY +207.2% QoQ	-0.59%	0.64% +19.7% YoY	0.77% +27.1% YoY	0.67% +19.3% YoY	78%
Tier 1 Capital Ratio ?	11.90% -10.2% YoY -15.0% QoQ	-3.93%	15.83% +1.5% YoY	15.37% +0.7% YoY	17.06% +0.8% YoY	34%
Non-Interest Income / Assets ?	0.08% +0.0% YoY -74.7% QoQ	-0.20%	0.28% +9.3% YoY	0.16% +5.0% YoY	0.32% +4.1% YoY	35%

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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)

Profitability Leader

growth

#272 of 666 • Top 40.7% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 2.00%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 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 (7 metrics)

212

Total Loans

size

Value: $553.01M

Peer Median: $255.72M

#212 of 2664 Top 7.9% in $100M-$1B

291

Total Deposits

size

Value: $628.50M

Peer Median: $327.97M

#291 of 2664 Top 10.9% in $100M-$1B

333

Return on Assets

profitability

Value: 2.00%

Peer Median: 1.27%

#333 of 2664 Top 12.5% in $100M-$1B

339

Total Assets

size

Value: $699.23M

Peer Median: $386.08M

#339 of 2664 Top 12.7% in $100M-$1B

537

Net Interest Margin

profitability

Value: 4.44%

Peer Median: 3.93%

#537 of 2664 Top 20.1% in $100M-$1B

586

Delinquency Rate

credit_quality

Value: 0.06%

Peer Median: 0.89%

#586 of 2654 Top 22.0% in $100M-$1B

598

Nonperforming Asset Ratio

credit_quality

Value: 0.05%

Peer Median: 0.64%

#598 of 2664 Top 22.4% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available