BlastPoint's Banking Scorecard

BankVista

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

Sartell, MN

3 branches across MN

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

BankVista has 1 strength but faces 4 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 11.02% below tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 36.4% in tier
- Loan-to-Deposit Ratio 31.22% above tier average
- Nonperforming Asset Ratio 1.34% above tier average
- Net Interest Margin 0.28% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Total Assets ?	$646.7M +6.4% YoY +2.1% QoQ	+$260.6M	$386.1M +0.5% YoY	$512.9M +5.5% YoY	$6.2B +9.1% YoY	84%
Total Loans ?	$574.9M +7.7% YoY +0.8% QoQ	+$319.2M	$255.7M +1.1% YoY	$288.3M +6.9% YoY	$3.2B +10.8% YoY	Top 7.1% in tier
Total Deposits ?	$533.0M +4.5% YoY +4.8% QoQ	+$205.1M	$328.0M +0.1% YoY	$443.8M +5.0% YoY	$4.8B +8.2% YoY	82%
Return on Assets ?	1.22% +53.0% YoY +31.1% QoQ	-0.04%	1.27% +12.9% YoY	1.13% +10.7% YoY	1.23% +13.4% YoY	52%
Net Interest Margin ?	3.65% +8.5% YoY +0.1% QoQ	-0.28%	3.93% +6.0% YoY	3.93% +7.5% YoY	3.89% +5.7% YoY	38%
Efficiency Ratio ?	54.27% -14.1% YoY -9.4% QoQ	-11.02%	65.29% -4.5% YoY	64.77% -3.3% YoY	66.95% -4.1% YoY	75%
Delinquency Rate ?	2.23% +10.9% YoY +3.8% QoQ	+1.34%	0.89% +18.8% YoY	1.04% +28.9% YoY	0.95% +18.8% YoY	Bottom 10.4% in tier
Loan-to-Deposit Ratio ?	107.86% +3.1% YoY -3.7% QoQ	+31.22%	76.64% +0.8% YoY	76.69% -0.4% YoY	76.70% +0.9% YoY	Bottom 3.6% in tier
Non-Interest-Bearing Deposit Share ?	21.18% +4.2% YoY -6.3% QoQ	-0.84%	22.02% -1.0% YoY	21.87% -0.9% YoY	22.01% -1.2% YoY	51%
Nonperforming Asset Ratio ?	1.98% +9.8% YoY +2.4% QoQ	+1.34%	0.64% +19.7% YoY	0.77% +27.1% YoY	0.67% +19.3% YoY	Bottom 7.0% in tier
Tier 1 Capital Ratio ?	11.35% -0.5% YoY -0.3% QoQ	-4.48%	15.83% +1.5% YoY	15.37% +0.7% YoY	17.06% +0.8% YoY	27%
Non-Interest Income / Assets ?	0.18% +29.9% YoY -56.1% QoQ	-0.10%	0.28% +9.3% YoY	0.16% +5.0% YoY	0.32% +4.1% YoY	83%

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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

#355 of 973 • Bottom 36.4% in tier

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

973 of 973 Community banks match · 1464 nationally

→ Stable -10 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 2664 peers in $100M-$1B

Top Strengths (5 metrics)

190

Total Loans

size

Value: $574.95M

Peer Median: $255.72M

#190 of 2664 Top 7.1% in $100M-$1B

424

Total Assets

size

Value: $646.73M

Peer Median: $386.08M

#424 of 2664 Top 15.9% in $100M-$1B

459

Non-Interest Income / Assets

revenue_mix

Value: 0.18%

Peer Median: 0.28%

#459 of 2664 Top 17.2% in $100M-$1B

470

Total Deposits

size

Value: $533.04M

Peer Median: $327.97M

#470 of 2664 Top 17.6% in $100M-$1B

658

Efficiency Ratio

profitability

Value: 54.27%

Peer Median: 65.29%

#658 of 2664 Top 24.7% in $100M-$1B

Top Weaknesses (3 metrics)

2569

Loan-to-Deposit Ratio

liquidity

Value: 107.86%

Peer Median: 76.64%

#2569 of 2664 Bottom 3.6% in $100M-$1B

2479

Nonperforming Asset Ratio

credit_quality

Value: 1.98%

Peer Median: 0.64%

#2479 of 2664 Bottom 7.0% in $100M-$1B

2380

Delinquency Rate

credit_quality

Value: 2.23%

Peer Median: 0.89%

#2380 of 2654 Bottom 10.4% in $100M-$1B