BlastPoint's Banking Scorecard
The First National Bank of Bagley
Bagley, 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 +7.4% year over year ($119.7M on the books).
- Delinquency rate 1.03%.
- Return on assets 1.20%.
- Efficiency ratio 65.53% vs a 64.48% peer average.
- Loan-to-deposit ratio 71.61% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The First National Bank of Bagley faces 3 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - ROA 0.12% below tier average
- - Efficiency Ratio 1.05% above tier average
- - Delinquency Rate 0.11% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$129.2M
+7.7% YoY
+2.9% QoQ
|
-$257.4M |
$386.6M
+1.2% YoY
|
$524.5M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
Bottom 7.9% in tier |
| Total Loans ? |
$85.7M
+8.8% YoY
+4.4% QoQ
|
-$172.6M |
$258.3M
+1.7% YoY
|
$300.2M
+7.3% YoY
|
$3.2B
+9.4% YoY
|
Bottom 12.7% in tier |
| Total Deposits ? |
$119.7M
+7.4% YoY
+3.0% QoQ
|
-$207.0M |
$326.7M
+0.7% YoY
|
$452.1M
+5.5% YoY
|
$4.9B
+7.3% YoY
|
Bottom 11.7% in tier |
| Return on Assets ? |
1.20%
+22.5% YoY
+3.7% QoQ
|
-0.12% |
1.32%
+10.8% YoY
|
1.26%
+17.2% YoY
|
1.30%
+12.1% YoY
|
47% |
| Net Interest Margin ? |
3.97%
+9.8% YoY
+2.8% QoQ
|
-0.02% |
3.99%
+5.0% YoY
|
4.00%
+6.8% YoY
|
3.95%
+4.9% YoY
|
51% |
| Efficiency Ratio ? |
65.53%
-8.1% YoY
-1.4% QoQ
|
+1.05% |
64.48%
-3.2% YoY
|
63.00%
-3.5% YoY
|
70.05%
+2.5% YoY
|
41% |
| Delinquency Rate ? |
1.03%
+52.3% YoY
+375.3% QoQ
|
+0.11% |
0.92%
+15.7% YoY
|
1.01%
+19.3% YoY
|
0.98%
+16.3% YoY
|
27% |
| Loan-to-Deposit Ratio ? |
71.61%
+1.3% YoY
+1.3% QoQ
|
-6.35% |
77.95%
+1.0% YoY
|
78.29%
-0.6% YoY
|
79.03%
+2.3% YoY
|
67% |
| Non-Interest-Bearing Deposit Share ? |
24.78%
-3.7% YoY
-4.1% QoQ
|
+2.75% |
22.03%
-0.6% YoY
|
21.79%
+0.9% YoY
|
21.98%
-0.6% YoY
|
65% |
| Nonperforming Asset Ratio ? |
0.81%
+83.3% YoY
+194.7% QoQ
|
+0.15% |
0.67%
+16.4% YoY
|
0.76%
+16.9% YoY
|
0.69%
+15.8% YoY
|
26% |
| Tier 1 Capital Ratio ? |
12.27%
-0.8% YoY
-2.1% QoQ
|
-3.64% |
15.91%
+1.4% YoY
|
15.35%
-0.4% YoY
|
17.09%
+0.8% YoY
|
39% |
| Non-Interest Income / Assets ? |
0.16%
+17.7% YoY
+109.4% QoQ
|
-0.40% |
0.57%
+7.6% YoY
|
0.31%
+3.9% YoY
|
0.66%
+5.2% YoY
|
38% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
24.8%
-1.0pp YoY -1.1pp QoQ |
+2.6pp | 22.1% | 21.9% | 22.2% | 65% |
| Brokered Deposits | n/a | n/a | 7.9% | 8.3% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
13.5%
-0.4pp YoY -0.2pp QoQ |
+1.9pp | 11.6% | 14.6% | 12.5% | 70% |
| CRE |
9.1%
-0.7pp YoY +0.3pp QoQ |
-30.4pp | 39.5% | 36.5% | 41.4% | 4% |
| 1-4 Family |
41.2%
+1.1pp YoY -1.9pp QoQ |
+8.6pp | 32.6% | 29.4% | 31.3% | 72% |
| Consumer |
14.2%
-0.7pp YoY +0.5pp QoQ |
+10.1pp | 4.1% | 4.5% | 5.0% | 96% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
12.3%
-0.1pp YoY -0.3pp QoQ |
-6.6pp | 18.8% | 16.5% | 19.7% | 20% |
| Leverage Ratio |
7.9%
-0.1pp YoY 0.0pp QoQ |
-4.3pp | 12.2% | 11.0% | 12.6% | 2% |
| Total Capital Ratio |
13.4%
-0.1pp YoY -0.2pp QoQ |
-6.6pp | 19.9% | 17.6% | 20.8% | 20% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
27
+1 (+3.8%) YoY +2 (+8.0%) QoQ |
-32 | 58 | 55 | 482 | 22% |
| Assets per Employee ($) |
$4.8M
+3.7% YoY -4.7% QoQ |
-$2.7M | $7.5M | $8.6M | $8.8M | 12% |
| Branch Count |
2
0 YoY 0 QoQ |
-3 | 4 | 4 | 18 | 11% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.6%
0.0pp YoY |
+0.3pp | 0.3% | 0.4% | 0.4% | 86% |
| Nonaccrual |
0.4%
+0.3pp YoY +0.2pp QoQ |
-0.6pp | 0.9% | 1.0% | 1.0% | 46% |
| Allowance Coverage |
1.03x
-36.2% YoY -78.4% QoQ |
-23.12x | 24.15x | 20.41x | 20.23x | 28% |
| Net Charge-off Rate (YTD) |
0.2%
+0.2pp YoY -0.2pp QoQ |
+0.1pp | 0.1% | 0.2% | 0.2% | 86% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
17.6%
+2.2pp YoY +0.5pp QoQ |
+5.4pp | 12.2% | 13.1% | 11.6% | 80% |
| Cost of Funds (YTD) |
1.6%
-0.2pp YoY 0.0pp QoQ |
-0.1pp | 1.7% | 1.7% | 1.7% | 46% |
| Net Income ($, YTD) |
$768,000
+31.1% YoY — QoQ |
-$1.8M | $2.6M | $4.5M | $40.4M | 19% |
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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.