BlastPoint's Banking Scorecard
First Security Bank - Canby
Designations: ✓ Community bank
Canby, 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 536 banks in the under $100M peer group nationwide — 1 of 52 in MN.
- Deposits +3.5% year over year ($72.5M on the books).
- Delinquency rate 0.09%.
- Return on assets 2.06%.
- Efficiency ratio 49.89% vs a 119.40% peer average.
- Loan-to-deposit ratio 51.81% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
First Security Bank - Canby shows strong momentum with 4 strengths and 5.5% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 69.51% below tier average
- + ROA 1.06% above tier average
- + Net Interest Margin 0.21% above tier average
- + Delinquency Rate 1.40% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$85.2M
+5.5% YoY
-1.0% QoQ
|
+$22.7M |
$62.4M
-0.0% YoY
|
$524.5M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
78% |
| Total Loans ? |
$37.6M
-0.3% YoY
+4.5% QoQ
|
+$2.7M |
$34.9M
-0.6% YoY
|
$300.2M
+7.3% YoY
|
$3.2B
+9.4% YoY
|
58% |
| Total Deposits ? |
$72.5M
+3.5% YoY
-1.9% QoQ
|
+$20.9M |
$51.6M
-0.2% YoY
|
$452.1M
+5.5% YoY
|
$4.9B
+7.3% YoY
|
79% |
| Return on Assets ? |
2.06%
+61.0% YoY
+0.9% QoQ
|
+1.06% |
1.00%
+3.5% YoY
|
1.26%
+17.2% YoY
|
1.30%
+12.1% YoY
|
Top 10.1% in tier |
| Net Interest Margin ? |
4.13%
+9.7% YoY
+2.2% QoQ
|
+0.21% |
3.91%
+2.3% YoY
|
4.00%
+6.8% YoY
|
3.95%
+4.9% YoY
|
62% |
| Efficiency Ratio ? |
49.89%
-9.0% YoY
-0.8% QoQ
|
-69.51% |
119.40%
+49.6% YoY
|
63.00%
-3.5% YoY
|
70.05%
+2.5% YoY
|
Top 9.5% in tier |
| Delinquency Rate ? |
0.09%
+61.1% QoQ
|
-1.40% |
1.48%
+31.8% YoY
|
1.01%
+19.3% YoY
|
0.98%
+16.3% YoY
|
66% |
| Loan-to-Deposit Ratio ? |
51.81%
-3.7% YoY
+6.5% QoQ
|
-22.40% |
74.21%
+12.6% YoY
|
78.29%
-0.6% YoY
|
79.03%
+2.3% YoY
|
69% |
| Non-Interest-Bearing Deposit Share ? |
36.68%
-2.9% YoY
-3.6% QoQ
|
+13.19% |
23.49%
+0.6% YoY
|
21.79%
+0.9% YoY
|
21.98%
-0.6% YoY
|
Top 11.8% in tier |
| Nonperforming Asset Ratio ? |
0.04%
+70.1% QoQ
|
-0.80% |
0.84%
+23.0% YoY
|
0.76%
+16.9% YoY
|
0.69%
+15.8% YoY
|
67% |
| Tier 1 Capital Ratio ? |
24.90%
+23.2% YoY
+2.5% QoQ
|
-2.22% |
27.13%
+3.0% YoY
|
15.35%
-0.4% YoY
|
17.09%
+0.8% YoY
|
79% |
| Non-Interest Income / Assets ? |
0.15%
-16.2% YoY
+96.0% QoQ
|
-1.23% |
1.38%
+6.3% YoY
|
0.31%
+3.9% YoY
|
0.66%
+5.2% YoY
|
58% |
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 |
36.7%
-1.1pp YoY -1.4pp QoQ |
+12.0pp | 24.6% | 21.9% | 22.2% | 88% |
| Brokered Deposits | n/a | n/a | 9.8% | 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 |
21.9%
-8.5pp YoY 0.0pp QoQ |
+8.5pp | 13.4% | 14.6% | 12.5% | 82% |
| CRE |
11.6%
-0.3pp QoQ |
-13.6pp | 25.2% | 36.5% | 41.4% | 14% |
| 1-4 Family |
7.5%
+2.1pp YoY +0.1pp QoQ |
-27.5pp | 35.0% | 29.4% | 31.3% | 17% |
| Consumer |
4.9%
+0.1pp YoY -0.3pp QoQ |
-2.8pp | 7.7% | 4.5% | 5.0% | 49% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
24.9%
+4.7pp YoY +0.6pp QoQ |
-13.8pp | 38.7% | 16.5% | 19.7% | 62% |
| Leverage Ratio |
14.1%
+1.5pp YoY +0.2pp QoQ |
-3.6pp | 17.7% | 11.0% | 12.6% | 62% |
| Total Capital Ratio |
25.9%
+4.7pp YoY +0.6pp QoQ |
-13.8pp | 39.7% | 17.6% | 20.8% | 62% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
10
0 YoY 0 QoQ |
-2 | 12 | 55 | 482 | 43% |
| Assets per Employee ($) |
$8.5M
+5.5% YoY -1.0% QoQ |
+$2.3M | $6.2M | $8.6M | $8.8M | 85% |
| Branch Count |
2
0 YoY 0 QoQ |
+0 | 1 | 4 | 18 | 63% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | 0.0% | -0.9pp | 1.0% | 0.4% | 0.4% | 14% |
| Nonaccrual |
0.1%
0.0pp QoQ |
-1.7pp | 1.7% | 1.0% | 1.0% | 6% |
| Allowance Coverage |
13.69x
-41.0% QoQ |
+7.28x | 6.41x | 20.41x | 20.23x | 90% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.2% | 0.2% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
14.8%
+4.6pp YoY -0.2pp QoQ |
+8.4pp | 6.4% | 13.1% | 11.6% | 84% |
| Cost of Funds (YTD) |
0.6%
0.0pp YoY 0.0pp QoQ |
-0.8pp | 1.4% | 1.7% | 1.7% | 11% |
| Net Income ($, YTD) |
$880,000
+70.9% YoY — QoQ |
+$562K | $317,817 | $4.5M | $40.4M | 94% |
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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.