BlastPoint's Banking Scorecard

Crown Bank

$100M-$1B Specialty: Commercial MN FDIC cert 35480

Edina, MN

2 branches across MN

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

Crown Bank faces 8 concerns requiring attention

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

No key strengths identified

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 3.4% in tier
- Flatlined Growth: Bottom 16.2% in tier
- Capital Thin: Bottom 18.3% in tier
- Return on Assets 0.95% below tier average
- Non-Interest Income / Assets 0.25% below tier average
- Net Interest Margin 0.91% below tier average
- Efficiency Ratio 9.38% above tier average
- Delinquency Rate 0.43% above 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 ?	$438.2M +2.0% YoY -1.4% QoQ	+$52.2M	$386.1M +0.5% YoY	$512.9M +5.5% YoY	$6.2B +9.1% YoY	66%
Total Loans ?	$331.5M -3.3% YoY -2.3% QoQ	+$75.8M	$255.7M +1.1% YoY	$288.3M +6.9% YoY	$3.2B +10.8% YoY	72%
Total Deposits ?	$363.7M +4.6% YoY -1.6% QoQ	+$35.7M	$328.0M +0.1% YoY	$443.8M +5.0% YoY	$4.8B +8.2% YoY	65%
Return on Assets ?	0.32% +110.2% YoY +27.2% QoQ	-0.95%	1.27% +12.9% YoY	1.13% +10.7% YoY	1.23% +13.4% YoY	Bottom 8.4% in tier
Net Interest Margin ?	3.02% +21.8% YoY +10.4% QoQ	-0.91%	3.93% +6.0% YoY	3.93% +7.5% YoY	3.89% +5.7% YoY	Bottom 12.2% in tier
Efficiency Ratio ?	74.66% -18.7% YoY -14.7% QoQ	+9.38%	65.29% -4.5% YoY	64.77% -3.3% YoY	66.95% -4.1% YoY	23%
Delinquency Rate ?	1.32% -27.1% YoY -19.5% QoQ	+0.43%	0.89% +18.8% YoY	1.04% +28.9% YoY	0.95% +18.8% YoY	22%
Loan-to-Deposit Ratio ?	91.16% -7.5% YoY -0.7% QoQ	+14.52%	76.64% +0.8% YoY	76.69% -0.4% YoY	76.70% +0.9% YoY	22%
Non-Interest-Bearing Deposit Share ?	13.54% +10.5% YoY +4.1% QoQ	-8.48%	22.02% -1.0% YoY	21.87% -0.9% YoY	22.01% -1.2% YoY	19%
Nonperforming Asset Ratio ?	1.00% -30.8% YoY -20.2% QoQ	+0.36%	0.64% +19.7% YoY	0.77% +27.1% YoY	0.67% +19.3% YoY	20%
Tier 1 Capital Ratio ?	10.03% +4.4% YoY +2.9% QoQ	-5.80%	15.83% +1.5% YoY	15.37% +0.7% YoY	17.06% +0.8% YoY	Bottom 10.1% in tier
Non-Interest Income / Assets ?	0.03% +73.0% YoY -65.5% QoQ	-0.25%	0.28% +9.3% YoY	0.16% +5.0% YoY	0.32% +4.1% YoY	Bottom 7.7% in tier

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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 (3)

Liquidity Strain

risk

#23 of 643 • Bottom 3.4% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 91.16%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank improving

Flatlined Growth

risk

#84 of 512 • Bottom 16.2% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature

Return on Assets: 0.32%

(Tier: 1.27%, National: 1.23%)

worse than tier avg

512 of 512 Community banks match · 687 nationally

→ Stable +32 banks QoQ

Capital Thin

risk

#123 of 666 • Bottom 18.3% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 10.03%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 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 (0 metrics)

No strength rankings available

Top Weaknesses (9 metrics)

2460

Non-Interest Income / Assets

revenue_mix

Value: 0.03%

Peer Median: 0.28%

#2460 of 2664 Bottom 7.7% in $100M-$1B

2442

Return on Assets

profitability

Value: 0.32%

Peer Median: 1.27%

#2442 of 2664 Bottom 8.4% in $100M-$1B

2397

Tier 1 Capital Ratio

capital

Value: 10.03%

Peer Median: 15.83%

#2397 of 2664 Bottom 10.1% in $100M-$1B

2340

Net Interest Margin

profitability

Value: 3.02%

Peer Median: 3.93%

#2340 of 2664 Bottom 12.2% in $100M-$1B

2159

Non-Interest-Bearing Deposit Share

funding

Value: 13.54%

Peer Median: 22.02%

#2159 of 2664 Bottom 19.0% in $100M-$1B

2141

Nonperforming Asset Ratio

credit_quality

Value: 1.00%

Peer Median: 0.64%

#2141 of 2664 Bottom 19.7% in $100M-$1B

2074

Delinquency Rate

credit_quality

Value: 1.32%

Peer Median: 0.89%

#2074 of 2654 Bottom 21.9% in $100M-$1B

2072

Loan-to-Deposit Ratio

liquidity

Value: 91.16%

Peer Median: 76.64%

#2072 of 2664 Bottom 22.3% in $100M-$1B

2057

Efficiency Ratio

profitability

Value: 74.66%

Peer Median: 65.29%

#2057 of 2664 Bottom 22.8% in $100M-$1B