BlastPoint's Banking Scorecard

Crown Bank

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

Edina, MN

2 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 -7.3% year over year ($332.8M on the books).
Delinquency rate 1.17%.
Return on assets 0.45%.
Efficiency ratio 74.58% vs a 64.48% peer average.
Loan-to-deposit ratio 91.02% 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) →

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 0.1% in tier
- Capital Thin: Bottom 7.4% in tier
- Capital Constraint: Bottom 9.3% in tier
- Deposit Outflow: Bottom 20.4% in tier
- Non-Interest Income / Assets 0.52% below tier average
- ROA 0.87% below tier average
- Net Interest Margin 0.85% below tier average
- Efficiency Ratio 10.10% above tier average

Get updates when Crown Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Total Assets ?	$402.0M -8.8% YoY -8.3% QoQ	+$15.5M	$386.6M +1.2% YoY	$524.5M +5.8% YoY	$6.3B +7.7% YoY	62%
Total Loans ?	$302.9M -9.9% YoY -8.6% QoQ	+$44.5M	$258.3M +1.7% YoY	$300.2M +7.3% YoY	$3.2B +9.4% YoY	68%
Total Deposits ?	$332.8M -7.3% YoY -8.5% QoQ	+$6.0M	$326.7M +0.7% YoY	$452.1M +5.5% YoY	$4.9B +7.3% YoY	60%
Return on Assets ?	0.45% +120.2% YoY +42.0% QoQ	-0.87%	1.32% +10.8% YoY	1.26% +17.2% YoY	1.30% +12.1% YoY	Bottom 10.9% in tier
Net Interest Margin ?	3.14% +21.2% YoY +3.9% QoQ	-0.85%	3.99% +5.0% YoY	4.00% +6.8% YoY	3.95% +4.9% YoY	Bottom 14.0% in tier
Efficiency Ratio ?	74.58% -17.1% YoY -0.1% QoQ	+10.10%	64.48% -3.2% YoY	63.00% -3.5% YoY	70.05% +2.5% YoY	21%
Delinquency Rate ?	1.17% -38.2% YoY -11.5% QoQ	+0.25%	0.92% +15.7% YoY	1.01% +19.3% YoY	0.98% +16.3% YoY	25%
Loan-to-Deposit Ratio ?	91.02% -2.8% YoY -0.2% QoQ	+13.07%	77.95% +1.0% YoY	78.29% -0.6% YoY	79.03% +2.3% YoY	24%
Non-Interest-Bearing Deposit Share ?	11.90% +1.0% YoY -12.1% QoQ	-10.13%	22.03% -0.6% YoY	21.79% +0.9% YoY	21.98% -0.6% YoY	Bottom 14.4% in tier
Nonperforming Asset Ratio ?	0.88% -39.0% YoY -11.9% QoQ	+0.21%	0.67% +16.4% YoY	0.76% +16.9% YoY	0.69% +15.8% YoY	23%
Tier 1 Capital Ratio ?	11.04% +13.5% YoY +10.1% QoQ	-4.87%	15.91% +1.4% YoY	15.35% -0.4% YoY	17.09% +0.8% YoY	24%
Non-Interest Income / Assets ?	0.05% -2.3% YoY +68.2% QoQ	-0.52%	0.57% +7.6% YoY	0.31% +3.9% YoY	0.66% +5.2% YoY	Bottom 5.4% in tier

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	11.9% +0.1pp YoY -1.6pp QoQ	-10.3pp	22.1%	21.9%	22.2%	14%
Brokered Deposits	8.7% -7.3pp YoY -1.2pp QoQ	+0.8pp	7.9%	8.3%	8.5%	71%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
C&I	31.9% +1.7pp YoY +1.4pp QoQ	+20.3pp	11.6%	14.6%	12.5%	96%
CRE	55.6% -5.2pp YoY -1.5pp QoQ	+16.1pp	39.5%	36.5%	41.4%	79%
1-4 Family	11.9% +3.8pp YoY +1.1pp QoQ	-20.7pp	32.6%	29.4%	31.3%	14%
Consumer	0.6% -0.2pp YoY -0.7pp QoQ	-3.5pp	4.1%	4.5%	5.0%	19%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
CET1 Ratio	11.0% +1.3pp YoY +1.0pp QoQ	-7.8pp	18.8%	16.5%	19.7%	8%
Leverage Ratio	8.4% +0.3pp YoY +0.5pp QoQ	-3.7pp	12.2%	11.0%	12.6%	5%
Total Capital Ratio	12.2% +1.4pp YoY +1.1pp QoQ	-7.7pp	19.9%	17.6%	20.8%	8%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Full-Time Employees	26 -4 (-13.3%) YoY -3 (-10.3%) QoQ	-33	58	55	482	21%
Assets per Employee ($)	$15.5M +5.2% YoY +2.3% QoQ	+$7.9M	$7.5M	$8.6M	$8.8M	98%
Branch Count	2 0 YoY 0 QoQ	-3	4	4	18	11%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Past Due 90+ Days	0.3% +0.2pp YoY -0.1pp QoQ	0.0pp	0.3%	0.4%	0.4%	74%
Nonaccrual	0.9% -1.0pp YoY -0.1pp QoQ	-0.1pp	0.9%	1.0%	1.0%	68%
Allowance Coverage	1.05x +70.6% YoY +19.5% QoQ	-23.10x	24.15x	20.41x	20.23x	28%
Net Charge-off Rate (YTD)	0.3% -0.2pp QoQ	+0.2pp	0.1%	0.2%	0.2%	90%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
ROE	5.9% +3.1pp YoY +1.6pp QoQ	-6.3pp	12.2%	13.1%	11.6%	17%
Cost of Funds (YTD)	2.9% -0.4pp YoY 0.0pp QoQ	+1.2pp	1.7%	1.7%	1.7%	97%
Net Income ($, YTD)	$962,000 +118.1% YoY — QoQ	-$1.6M	$2.6M	$4.5M	$40.4M	25%

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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 (4)

Liquidity Strain

risk

#2 of 691 • Bottom 0.1% 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: 91.02%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

691 of 691 Community banks match · 1092 nationally

→ Stable +81 banks QoQ | QoQ rank improving

Capital Thin

risk

#50 of 661 • Bottom 7.4% 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: 11.04%

(Tier: 15.91%, National: 17.09%)

worse than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank improving

Capital Constraint

risk

#11 of 107 • Bottom 9.3% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.

Why this signature

Loan-to-Deposit Ratio: 91.02%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

Tier 1 Capital Ratio: 11.04%

(Tier: 15.91%, National: 17.09%)

worse than tier avg

107 of 107 Community banks match · 143 nationally

→ Stable -5 banks QoQ

Deposit Outflow

decline

#110 of 535 • Bottom 20.4% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally

→ Stable +31 banks QoQ

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 (0 metrics)

No strength rankings available

Top Weaknesses (9 metrics)

2500

Non-Interest Income / Assets

revenue_mix

Value: 0.05%

Peer Median: 0.57%

#2500 of 2643 Bottom 5.4% in $100M-$1B

2355

Return on Assets

profitability

Value: 0.45%

Peer Median: 1.32%

#2355 of 2643 Bottom 10.9% in $100M-$1B

2273

Net Interest Margin

profitability

Value: 3.14%

Peer Median: 3.99%

#2273 of 2643 Bottom 14.0% in $100M-$1B

2264

Non-Interest-Bearing Deposit Share

funding

Value: 11.90%

Peer Median: 22.03%

#2264 of 2643 Bottom 14.4% in $100M-$1B

2085

Efficiency Ratio

profitability

Value: 74.58%

Peer Median: 64.48%

#2085 of 2643 Bottom 21.2% in $100M-$1B

2026

Nonperforming Asset Ratio

credit_quality

Value: 0.88%

Peer Median: 0.67%

#2026 of 2643 Bottom 23.4% in $100M-$1B

2010

Tier 1 Capital Ratio

capital

Value: 11.04%

Peer Median: 15.91%

#2010 of 2643 Bottom 24.0% in $100M-$1B

2009

Loan-to-Deposit Ratio

liquidity

Value: 91.02%

Peer Median: 77.95%

#2009 of 2643 Bottom 24.0% in $100M-$1B

1981

Delinquency Rate

credit_quality

Value: 1.17%

Peer Median: 0.92%

#1981 of 2633 Bottom 24.8% in $100M-$1B