BlastPoint's Banking Scorecard
First Bank Blue Earth
Blue Earth, MN
First Bank Blue Earth faces 5 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 37.2% in tier
- - Return on Assets 1.21% below tier average
- - Net Interest Margin 1.59% below tier average
- - Efficiency Ratio 8.16% above tier average
- - Delinquency Rate 0.19% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$321.2M
+5.9% YoY
-0.4% QoQ
|
-$64.9M |
$386.1M
+0.5% YoY
|
$512.9M
+5.5% YoY
|
$6.2B
+9.1% YoY
|
50% |
| Total Loans ? |
$199.8M
-1.9% YoY
-5.4% QoQ
|
-$56.0M |
$255.7M
+1.1% YoY
|
$288.3M
+6.9% YoY
|
$3.2B
+10.8% YoY
|
49% |
| Total Deposits ? |
$281.8M
+7.2% YoY
+0.3% QoQ
|
-$46.2M |
$328.0M
+0.1% YoY
|
$443.8M
+5.0% YoY
|
$4.8B
+8.2% YoY
|
51% |
| Return on Assets ? |
0.06%
-87.6% YoY
-91.7% QoQ
|
-1.21% |
1.27%
+12.9% YoY
|
1.13%
+10.7% YoY
|
1.23%
+13.4% YoY
|
Bottom 4.1% in tier |
| Net Interest Margin ? |
2.34%
+3.9% YoY
-7.0% QoQ
|
-1.59% |
3.93%
+6.0% YoY
|
3.93%
+7.5% YoY
|
3.89%
+5.7% YoY
|
Bottom 2.2% in tier |
| Efficiency Ratio ? |
73.44%
-3.2% YoY
+9.7% QoQ
|
+8.16% |
65.29%
-4.5% YoY
|
64.77%
-3.3% YoY
|
66.95%
-4.1% YoY
|
25% |
| Delinquency Rate ? |
1.07%
+257.8% YoY
+347.9% QoQ
|
+0.19% |
0.89%
+18.8% YoY
|
1.04%
+28.9% YoY
|
0.95%
+18.8% YoY
|
27% |
| Loan-to-Deposit Ratio ? |
70.90%
-8.5% YoY
-5.7% QoQ
|
-5.74% |
76.64%
+0.8% YoY
|
76.69%
-0.4% YoY
|
76.70%
+0.9% YoY
|
65% |
| Non-Interest-Bearing Deposit Share ? |
17.00%
-8.3% YoY
+1.4% QoQ
|
-5.02% |
22.02%
-1.0% YoY
|
21.87%
-0.9% YoY
|
22.01%
-1.2% YoY
|
32% |
| Nonperforming Asset Ratio ? |
0.67%
+231.6% YoY
+325.4% QoQ
|
+0.03% |
0.64%
+19.7% YoY
|
0.77%
+27.1% YoY
|
0.67%
+19.3% YoY
|
30% |
| Tier 1 Capital Ratio ? |
9.52%
-1.8% YoY
-1.6% QoQ
|
-6.31% |
15.83%
+1.5% YoY
|
15.37%
+0.7% YoY
|
17.06%
+0.8% YoY
|
Bottom 4.7% in tier |
| Non-Interest Income / Assets ? |
0.09%
+15.6% YoY
-79.7% QoQ
|
-0.19% |
0.28%
+9.3% YoY
|
0.16%
+5.0% YoY
|
0.32%
+4.1% YoY
|
45% |
Get Full Access to First Bank Blue Earth
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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 (1)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.