BlastPoint's Banking Scorecard
Key Community Bank
Inver Grove Heights, MN
Key Community Bank has 2 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.21% above tier average
- + Efficiency Ratio 4.70% below tier average
Key Concerns
Areas that may need attention
- - Return on Assets 3.15% below tier average
- - Delinquency Rate 1.85% above tier average
- - Loan-to-Deposit Ratio 25.60% above tier average
- - Nonperforming Asset Ratio 2.15% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$123.8M
+6.8% YoY
+2.3% QoQ
|
-$262.3M |
$386.1M
+0.5% YoY
|
$512.9M
+5.5% YoY
|
$6.2B
+9.1% YoY
|
Bottom 7.0% in tier |
| Total Loans ? |
$104.3M
+13.8% YoY
+9.3% QoQ
|
-$151.4M |
$255.7M
+1.1% YoY
|
$288.3M
+6.9% YoY
|
$3.2B
+10.8% YoY
|
21% |
| Total Deposits ? |
$102.0M
+2.6% YoY
-7.2% QoQ
|
-$225.9M |
$328.0M
+0.1% YoY
|
$443.8M
+5.0% YoY
|
$4.8B
+8.2% YoY
|
Bottom 6.3% in tier |
| Return on Assets ? |
-1.89%
-250.5% YoY
-237.5% QoQ
|
-3.15% |
1.27%
+12.9% YoY
|
1.13%
+10.7% YoY
|
1.23%
+13.4% YoY
|
Bottom 0.8% in tier |
| Net Interest Margin ? |
4.14%
+1.8% YoY
+0.1% QoQ
|
+0.21% |
3.93%
+6.0% YoY
|
3.93%
+7.5% YoY
|
3.89%
+5.7% YoY
|
65% |
| Efficiency Ratio ? |
60.58%
-4.2% YoY
+1.2% QoQ
|
-4.70% |
65.29%
-4.5% YoY
|
64.77%
-3.3% YoY
|
66.95%
-4.1% YoY
|
58% |
| Delinquency Rate ? |
2.73%
-8.5% QoQ
|
+1.85% |
0.89%
+18.8% YoY
|
1.04%
+28.9% YoY
|
0.95%
+18.8% YoY
|
Bottom 6.9% in tier |
| Loan-to-Deposit Ratio ? |
102.24%
+10.9% YoY
+17.8% QoQ
|
+25.60% |
76.64%
+0.8% YoY
|
76.69%
-0.4% YoY
|
76.70%
+0.9% YoY
|
Bottom 6.6% in tier |
| Non-Interest-Bearing Deposit Share ? |
24.11%
-17.5% YoY
+7.1% QoQ
|
+2.09% |
22.02%
-1.0% YoY
|
21.87%
-0.9% YoY
|
22.01%
-1.2% YoY
|
63% |
| Nonperforming Asset Ratio ? |
2.79%
-3.0% QoQ
|
+2.15% |
0.64%
+19.7% YoY
|
0.77%
+27.1% YoY
|
0.67%
+19.3% YoY
|
Bottom 3.5% in tier |
| Tier 1 Capital Ratio ? |
10.65%
+7.2% YoY
-2.2% QoQ
|
-5.18% |
15.83%
+1.5% YoY
|
15.37%
+0.7% YoY
|
17.06%
+0.8% YoY
|
18% |
| Non-Interest Income / Assets ? |
0.04%
+0.1% YoY
-76.8% QoQ
|
-0.24% |
0.28%
+9.3% YoY
|
0.16%
+5.0% YoY
|
0.32%
+4.1% YoY
|
Bottom 11.8% 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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.