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First Bank Blue Earth

$100M-$1B Specialty: Agricultural MN FDIC cert 5097

Blue Earth, 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 +6.4% year over year ($283.2M on the books).
  • Delinquency rate 0.39%.
  • Return on assets 0.48%.
  • Efficiency ratio 69.69% vs a 64.48% peer average.
  • Loan-to-deposit ratio 74.01% 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) →

First Bank Blue Earth has 1 strength but faces 6 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

  • + Delinquency Rate 0.53% below tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 0.4% in tier
  • - Credit Quality Pressure: Bottom 23.4% in tier
  • - Capital Thin: Bottom 35.2% in tier
  • - Net Interest Margin 1.46% below tier average
  • - ROA 0.84% below tier average
  • - Efficiency Ratio 5.22% above tier average
Get updates when First Bank Blue Earth releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Total Assets ? $322.7M
+5.5% YoY +0.5% QoQ
-$63.9M $386.6M
+1.2% YoY
$524.5M
+5.8% YoY
$6.3B
+7.7% YoY
50%
Total Loans ? $209.6M
+0.8% YoY +4.9% QoQ
-$48.8M $258.3M
+1.7% YoY
$300.2M
+7.3% YoY
$3.2B
+9.4% YoY
50%
Total Deposits ? $283.2M
+6.4% YoY +0.5% QoQ
-$43.6M $326.7M
+0.7% YoY
$452.1M
+5.5% YoY
$4.9B
+7.3% YoY
52%
Return on Assets ? 0.48%
+20.6% YoY +659.0% QoQ
-0.84% 1.32%
+10.8% YoY
1.26%
+17.2% YoY
1.30%
+12.1% YoY
Bottom 11.8% in tier
Net Interest Margin ? 2.53%
+6.3% YoY +8.2% QoQ
-1.46% 3.99%
+5.0% YoY
4.00%
+6.8% YoY
3.95%
+4.9% YoY
Bottom 3.1% in tier
Efficiency Ratio ? 69.69%
-5.3% YoY -5.1% QoQ
+5.22% 64.48%
-3.2% YoY
63.00%
-3.5% YoY
70.05%
+2.5% YoY
31%
Delinquency Rate ? 0.39%
+24.6% YoY -63.6% QoQ
-0.53% 0.92%
+15.7% YoY
1.01%
+19.3% YoY
0.98%
+16.3% YoY
52%
Loan-to-Deposit Ratio ? 74.01%
-5.2% YoY +4.4% QoQ
-3.94% 77.95%
+1.0% YoY
78.29%
-0.6% YoY
79.03%
+2.3% YoY
62%
Non-Interest-Bearing Deposit Share ? 16.41%
-2.7% YoY -3.4% QoQ
-5.62% 22.03%
-0.6% YoY
21.79%
+0.9% YoY
21.98%
-0.6% YoY
30%
Nonperforming Asset Ratio ? 0.25%
+19.0% YoY -62.0% QoQ
-0.41% 0.67%
+16.4% YoY
0.76%
+16.9% YoY
0.69%
+15.8% YoY
55%
Tier 1 Capital Ratio ? 9.47%
-3.0% YoY -0.5% QoQ
-6.44% 15.91%
+1.4% YoY
15.35%
-0.4% YoY
17.09%
+0.8% YoY
Bottom 4.6% in tier
Non-Interest Income / Assets ? 0.15%
-6.0% YoY +65.8% QoQ
-0.42% 0.57%
+7.6% YoY
0.31%
+3.9% YoY
0.66%
+5.2% YoY
34%

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 16.4%
-0.4pp YoY
-0.6pp QoQ
 -5.7pp 22.1% 21.9% 22.2% 29%
Brokered Deposits 1.8%
-1.7pp YoY
-0.5pp QoQ
 -6.0pp 7.9% 8.3% 8.5% 28%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
C&I 8.1%
-1.8pp YoY
+0.6pp QoQ
 -3.5pp 11.6% 14.6% 12.5% 41%
CRE n/a n/a 39.5% 36.5% 41.4% n/a
1-4 Family 8.8%
+0.1pp YoY
-0.9pp QoQ
 -23.8pp 32.6% 29.4% 31.3% 9%
Consumer 2.1%
-0.1pp YoY
+0.1pp QoQ
 -2.1pp 4.1% 4.5% 5.0% 48%

Capital

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 16.5% 19.7% n/a
Leverage Ratio 9.5%
-0.3pp YoY
-0.1pp QoQ
 -2.7pp 12.2% 11.0% 12.6% 20%
Total Capital Ratio n/a n/a 19.9% 17.6% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Full-Time Employees 34
-1 (-2.9%) YoY
0 QoQ
 -25 58 55 482 33%
Assets per Employee ($) $9.5M
+8.6% YoY
+0.5% QoQ
 +$2.0M $7.5M $8.6M $8.8M 83%
Branch Count 1
0 YoY
0 QoQ
 -4 4 4 18 0%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Past Due 90+ Days 0.1% -0.3pp 0.3% 0.4% 0.4% 40%
Nonaccrual 0.3%
0.0pp YoY
-0.7pp QoQ
 -0.6pp 0.9% 1.0% 1.0% 41%
Allowance Coverage 3.26x
-7.4% YoY
+149.3% QoQ
 -20.89x 24.15x 20.41x 20.23x 61%
Net Charge-off Rate (YTD) 0.1%
+0.1pp YoY
 0.0pp 0.1% 0.2% 0.2% 79%

Profitability

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
ROE 6.7%
+0.5pp YoY
+5.8pp QoQ
 -5.5pp 12.2% 13.1% 11.6% 19%
Cost of Funds (YTD) 2.4%
-0.2pp YoY
0.0pp QoQ
 +0.6pp 1.7% 1.7% 1.7% 86%
Net Income ($, YTD) $775,000
+26.6% YoY
— QoQ
 -$1.8M $2.6M $4.5M $40.4M 19%

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)

Credit Risk Growth

risk
#5 of 936 • Bottom 0.4% 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

Credit Quality Pressure

risk
#295 of 1256 • Bottom 23.4% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.39%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank improving

Capital Thin

risk
#234 of 661 • Bottom 35.2% 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: 9.47%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | 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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (3 metrics)

2563
Net Interest Margin
profitability
Value: 2.53%
Peer Median: 3.99%
#2563 of 2643 Bottom 3.1% in $100M-$1B
2523
Tier 1 Capital Ratio
capital
Value: 9.47%
Peer Median: 15.91%
#2523 of 2643 Bottom 4.6% in $100M-$1B
2333
Return on Assets
profitability
Value: 0.48%
Peer Median: 1.32%
#2333 of 2643 Bottom 11.8% in $100M-$1B
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