BlastPoint's Banking Scorecard

B2 Bank National Association

under $100M Specialty: Other MN FDIC cert 5105

Designations: ✓ Community bank

Virginia, MN

2 branches across MN

541 banks in the under $100M peer group nationally 55 in MN

B2 Bank National Association has 2 strengths but faces 3 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

+ Non-Interest Income / Assets 1.25% above tier average
+ Net Interest Margin 0.54% above tier average

Key Concerns

Areas that may need attention

- Return on Assets 2.52% below tier average
- Efficiency Ratio 33.10% above tier average
- Delinquency Rate 0.29% 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 ?	$62.0M -25.6% YoY -13.6% QoQ	-$170K	$62.2M -0.6% YoY	$512.9M +5.5% YoY	$6.2B +9.1% YoY	49%
Total Loans ?	$34.1M -5.6% YoY -2.1% QoQ	-$155K	$34.2M -1.4% YoY	$288.3M +6.9% YoY	$3.2B +10.8% YoY	53%
Total Deposits ?	$50.9M -28.8% YoY -15.8% QoQ	-$860K	$51.7M -0.7% YoY	$443.8M +5.0% YoY	$4.8B +8.2% YoY	47%
Return on Assets ?	-1.68% -108.7% YoY -165.3% QoQ	-2.52%	0.84% -2.3% YoY	1.13% +10.7% YoY	1.23% +13.4% YoY	Bottom 5.5% in tier
Net Interest Margin ?	4.40% -3.7% YoY -7.2% QoQ	+0.54%	3.86% +2.8% YoY	3.93% +7.5% YoY	3.89% +5.7% YoY	72%
Efficiency Ratio ?	121.44% +9.1% YoY +13.4% QoQ	+33.10%	88.34% +0.3% YoY	64.77% -3.3% YoY	66.95% -4.1% YoY	Bottom 7.8% in tier
Delinquency Rate ?	1.67% +116.4% YoY +25.1% QoQ	+0.29%	1.37% +33.8% YoY	1.04% +28.9% YoY	0.95% +18.8% YoY	25%
Loan-to-Deposit Ratio ?	67.00% +32.5% YoY +16.2% QoQ	+2.79%	64.22% -0.7% YoY	76.69% -0.4% YoY	76.70% +0.9% YoY	49%
Non-Interest-Bearing Deposit Share ?	17.98% -26.1% YoY -2.6% QoQ	-5.73%	23.71% +0.3% YoY	21.87% -0.9% YoY	22.01% -1.2% YoY	33%
Nonperforming Asset Ratio ?	0.92% +174.4% YoY +41.7% QoQ	+0.13%	0.79% +28.2% YoY	0.77% +27.1% YoY	0.67% +19.3% YoY	25%
Tier 1 Capital Ratio ?	15.60% +18.9% YoY -2.3% QoQ	-11.09%	26.68% +2.0% YoY	15.37% +0.7% YoY	17.06% +0.8% YoY	51%
Non-Interest Income / Assets ?	1.92% +35.1% YoY -71.4% QoQ	+1.25%	0.67% +1.9% YoY	0.16% +5.0% YoY	0.32% +4.1% YoY	Top 3.1% 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 (0)

No matched concern signatures this quarter

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 541 peers in under $100M

Top Strengths (1 metrics)

Non-Interest Income / Assets

revenue_mix

Value: 1.92%

Peer Median: 0.67%

#18 of 541 Top 3.1% in under $100M

Top Weaknesses (2 metrics)

512

Return on Assets

profitability

Value: -1.68%

Peer Median: 0.84%

#512 of 541 Bottom 5.5% in under $100M

500

Efficiency Ratio

profitability

Value: 121.44%

Peer Median: 88.34%

#500 of 541 Bottom 7.8% in under $100M