BlastPoint's Banking Scorecard

BankVista

$100M-$1B Specialty: Commercial MN FDIC cert 35406

Sartell, MN

3 branches across MN

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 151 in MN.
Deposits +1.8% year over year ($540.6M on the books).
Delinquency rate 2.24%.
Return on assets 1.24%.
Efficiency ratio 53.20% vs a 64.48% peer average.
Loan-to-deposit ratio 107.52% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 151 in MN

View $100M-$1B leaderboard (MN) →

BankVista has 1 strength but faces 5 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

+ Efficiency Ratio 11.28% below tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 26.2% in tier
- Loan-to-Deposit Ratio 29.57% above tier average
- Nonperforming Asset Ratio 1.33% above tier average
- ROA 0.09% below tier average
- Net Interest Margin 0.17% below tier average

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Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Total Assets ?	$651.1M +2.6% YoY +0.7% QoQ	+$264.5M	$386.6M +1.2% YoY	$524.5M +5.8% YoY	$6.3B +7.7% YoY	84%
Total Loans ?	$581.3M +5.0% YoY +1.1% QoQ	+$322.9M	$258.3M +1.7% YoY	$300.2M +7.3% YoY	$3.2B +9.4% YoY	Top 6.8% in tier
Total Deposits ?	$540.6M +1.8% YoY +1.4% QoQ	+$213.9M	$326.7M +0.7% YoY	$452.1M +5.5% YoY	$4.9B +7.3% YoY	83%
Return on Assets ?	1.24% +51.5% YoY +1.0% QoQ	-0.09%	1.32% +10.8% YoY	1.26% +17.2% YoY	1.30% +12.1% YoY	49%
Net Interest Margin ?	3.81% +10.3% YoY +4.4% QoQ	-0.17%	3.99% +5.0% YoY	4.00% +6.8% YoY	3.95% +4.9% YoY	43%
Efficiency Ratio ?	53.20% -15.1% YoY -2.0% QoQ	-11.28%	64.48% -3.2% YoY	63.00% -3.5% YoY	70.05% +2.5% YoY	76%
Delinquency Rate ?	2.24% +10.8% YoY +0.5% QoQ	+1.32%	0.92% +15.7% YoY	1.01% +19.3% YoY	0.98% +16.3% YoY	Bottom 10.8% in tier
Loan-to-Deposit Ratio ?	107.52% +3.2% YoY -0.3% QoQ	+29.57%	77.95% +1.0% YoY	78.29% -0.6% YoY	79.03% +2.3% YoY	Bottom 4.5% in tier
Non-Interest-Bearing Deposit Share ?	22.25% +8.7% YoY +5.1% QoQ	+0.22%	22.03% -0.6% YoY	21.79% +0.9% YoY	21.98% -0.6% YoY	56%
Nonperforming Asset Ratio ?	2.00% +10.9% YoY +0.9% QoQ	+1.33%	0.67% +16.4% YoY	0.76% +16.9% YoY	0.69% +15.8% YoY	Bottom 7.0% in tier
Tier 1 Capital Ratio ?	11.54% +3.8% YoY +1.7% QoQ	-4.36%	15.91% +1.4% YoY	15.35% -0.4% YoY	17.09% +0.8% YoY	30%
Non-Interest Income / Assets ?	0.35% +49.6% YoY +87.3% QoQ	-0.22%	0.57% +7.6% YoY	0.31% +3.9% YoY	0.66% +5.2% YoY	79%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Noninterest-Bearing	22.3% +1.8pp YoY +1.1pp QoQ	+0.1pp	22.1%	21.9%	22.2%	55%
Brokered Deposits	2.8% -3.4pp YoY -3.0pp QoQ	-5.1pp	7.9%	8.3%	8.5%	37%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
C&I	22.7% +1.2pp YoY +0.9pp QoQ	+11.2pp	11.6%	14.6%	12.5%	91%
CRE	51.0% -1.3pp YoY -0.6pp QoQ	+11.5pp	39.5%	36.5%	41.4%	72%
1-4 Family	25.1% +1.0pp YoY -0.2pp QoQ	-7.5pp	32.6%	29.4%	31.3%	41%
Consumer	1.0% -0.2pp YoY 0.0pp QoQ	-3.1pp	4.1%	4.5%	5.0%	29%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
CET1 Ratio	11.5% +0.4pp YoY +0.2pp QoQ	-7.3pp	18.8%	16.5%	19.7%	12%
Leverage Ratio	9.9% +0.5pp YoY +0.1pp QoQ	-2.2pp	12.2%	11.0%	12.6%	29%
Total Capital Ratio	12.8% +0.4pp YoY +0.2pp QoQ	-7.1pp	19.9%	17.6%	20.8%	14%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Full-Time Employees	70 -3 (-4.1%) YoY +2 (+2.9%) QoQ	+11	58	55	482	71%
Assets per Employee ($)	$9.3M +7.0% YoY -2.2% QoQ	+$1.8M	$7.5M	$8.6M	$8.8M	82%
Branch Count	3 0 YoY 0 QoQ	-2	4	4	18	26%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Past Due 90+ Days	0.2% -0.3pp YoY 0.0pp QoQ	-0.2pp	0.3%	0.4%	0.4%	59%
Nonaccrual	2.1% +0.5pp YoY 0.0pp QoQ	+1.1pp	0.9%	1.0%	1.0%	88%
Allowance Coverage	0.63x -15.5% YoY -1.1% QoQ	-23.52x	24.15x	20.41x	20.23x	15%
Net Charge-off Rate (YTD)	0.5% +0.3pp YoY -0.1pp QoQ	+0.3pp	0.1%	0.2%	0.2%	94%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
ROE	12.8% +3.9pp YoY 0.0pp QoQ	+0.6pp	12.2%	13.1%	11.6%	55%
Cost of Funds (YTD)	2.6% -0.3pp YoY 0.0pp QoQ	+0.8pp	1.7%	1.7%	1.7%	91%
Net Income ($, YTD)	$4.0M +58.6% YoY — QoQ	+$1.4M	$2.6M	$4.5M	$40.4M	80%

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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 (0)

No matched strength signatures this quarter

Concerns (1)

Credit Risk Growth

risk

#246 of 936 • Bottom 26.2% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally

→ Stable -58 banks QoQ | QoQ rank improving

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 2643 peers in $100M-$1B

Top Strengths (5 metrics)

181

Total Loans

size

Value: $581.29M

Peer Median: $258.35M

#181 of 2643 Top 6.8% in $100M-$1B

412

Total Assets

size

Value: $651.09M

Peer Median: $386.57M

#412 of 2643 Top 15.6% in $100M-$1B

439

Total Deposits

size

Value: $540.62M

Peer Median: $326.73M

#439 of 2643 Top 16.6% in $100M-$1B

558

Non-Interest Income / Assets

revenue_mix

Value: 0.35%

Peer Median: 0.57%

#558 of 2643 Top 21.1% in $100M-$1B

631

Efficiency Ratio

profitability

Value: 53.20%

Peer Median: 64.48%

#631 of 2643 Top 23.8% in $100M-$1B

Top Weaknesses (3 metrics)

2524

Loan-to-Deposit Ratio

liquidity

Value: 107.52%

Peer Median: 77.95%

#2524 of 2643 Bottom 4.5% in $100M-$1B

2458

Nonperforming Asset Ratio

credit_quality

Value: 2.00%

Peer Median: 0.67%

#2458 of 2643 Bottom 7.0% in $100M-$1B

2349

Delinquency Rate

credit_quality

Value: 2.24%

Peer Median: 0.92%

#2349 of 2633 Bottom 10.8% in $100M-$1B