BlastPoint's Banking Scorecard
The First National Bank of Cokato
Cokato, 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 +4.6% year over year ($128.1M on the books).
- Delinquency rate 0.25%.
- Return on assets 1.50%.
- Efficiency ratio 55.70% vs a 64.48% peer average.
- Loan-to-deposit ratio 72.58% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The First National Bank of Cokato shows strong momentum with 3 strengths and 5.4% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.18% above tier average
- + Efficiency Ratio 8.78% below tier average
- + Delinquency Rate 0.67% 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 ? |
$138.2M
+5.4% YoY
+7.9% QoQ
|
-$248.4M |
$386.6M
+1.2% YoY
|
$524.5M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
Bottom 10.6% in tier |
| Total Loans ? |
$93.0M
+4.8% YoY
+1.2% QoQ
|
-$165.4M |
$258.3M
+1.7% YoY
|
$300.2M
+7.3% YoY
|
$3.2B
+9.4% YoY
|
16% |
| Total Deposits ? |
$128.1M
+4.6% YoY
+8.2% QoQ
|
-$198.7M |
$326.7M
+0.7% YoY
|
$452.1M
+5.5% YoY
|
$4.9B
+7.3% YoY
|
15% |
| Return on Assets ? |
1.50%
+29.6% YoY
+10.7% QoQ
|
+0.18% |
1.32%
+10.8% YoY
|
1.26%
+17.2% YoY
|
1.30%
+12.1% YoY
|
65% |
| Net Interest Margin ? |
3.98%
+8.9% YoY
-1.5% QoQ
|
-0.01% |
3.99%
+5.0% YoY
|
4.00%
+6.8% YoY
|
3.95%
+4.9% YoY
|
52% |
| Efficiency Ratio ? |
55.70%
-1.4% YoY
-1.8% QoQ
|
-8.78% |
64.48%
-3.2% YoY
|
63.00%
-3.5% YoY
|
70.05%
+2.5% YoY
|
70% |
| Delinquency Rate ? |
0.25%
-44.6% YoY
-15.6% QoQ
|
-0.67% |
0.92%
+15.7% YoY
|
1.01%
+19.3% YoY
|
0.98%
+16.3% YoY
|
61% |
| Loan-to-Deposit Ratio ? |
72.58%
+0.2% YoY
-6.5% QoQ
|
-5.37% |
77.95%
+1.0% YoY
|
78.29%
-0.6% YoY
|
79.03%
+2.3% YoY
|
65% |
| Non-Interest-Bearing Deposit Share ? |
24.85%
-12.5% YoY
-13.4% QoQ
|
+2.82% |
22.03%
-0.6% YoY
|
21.79%
+0.9% YoY
|
21.98%
-0.6% YoY
|
65% |
| Nonperforming Asset Ratio ? |
0.17%
-45.0% YoY
-20.8% QoQ
|
-0.50% |
0.67%
+16.4% YoY
|
0.76%
+16.9% YoY
|
0.69%
+15.8% YoY
|
63% |
| Tier 1 Capital Ratio ? |
13.34%
+5.9% YoY
+1.9% QoQ
|
-2.57% |
15.91%
+1.4% YoY
|
15.35%
-0.4% YoY
|
17.09%
+0.8% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.21%
+9.7% YoY
+114.3% QoQ
|
-0.36% |
0.57%
+7.6% YoY
|
0.31%
+3.9% YoY
|
0.66%
+5.2% YoY
|
53% |
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 |
24.9%
-3.6pp YoY -3.8pp QoQ |
+2.7pp | 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 |
21.6%
+0.1pp YoY +1.3pp QoQ |
+10.1pp | 11.6% | 14.6% | 12.5% | 90% |
| CRE |
23.5%
-0.2pp YoY +0.5pp QoQ |
-16.0pp | 39.5% | 36.5% | 41.4% | 24% |
| 1-4 Family |
36.7%
-0.1pp YoY -1.2pp QoQ |
+4.1pp | 32.6% | 29.4% | 31.3% | 65% |
| Consumer |
3.2%
-0.5pp YoY -0.1pp QoQ |
-0.9pp | 4.1% | 4.5% | 5.0% | 62% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
13.3%
+0.7pp YoY +0.2pp QoQ |
-5.5pp | 18.8% | 16.5% | 19.7% | 32% |
| Leverage Ratio |
8.5%
+0.8pp YoY -0.2pp QoQ |
-3.6pp | 12.2% | 11.0% | 12.6% | 7% |
| Total Capital Ratio |
14.6%
+0.7pp YoY +0.2pp QoQ |
-5.3pp | 19.9% | 17.6% | 20.8% | 33% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
12
+1 (+9.1%) YoY +1 (+9.1%) QoQ |
-47 | 58 | 55 | 482 | 2% |
| Assets per Employee ($) |
$11.5M
-3.4% YoY -1.1% QoQ |
+$4.0M | $7.5M | $8.6M | $8.8M | 91% |
| Branch Count |
1
0 YoY 0 QoQ |
-4 | 4 | 4 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.4% | 0.4% | n/a |
| Nonaccrual |
0.3%
-0.2pp YoY +0.2pp QoQ |
-0.7pp | 0.9% | 1.0% | 1.0% | 34% |
| Allowance Coverage |
5.40x
+73.3% YoY +21.3% QoQ |
-18.75x | 24.15x | 20.41x | 20.23x | 72% |
| Net Charge-off Rate (YTD) |
0.0%
-0.8pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.2% | 0.2% | 56% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
20.9%
+0.7pp YoY +2.2pp QoQ |
+8.7pp | 12.2% | 13.1% | 11.6% | 90% |
| Cost of Funds (YTD) |
1.7%
-0.2pp YoY 0.0pp QoQ |
0.0pp | 1.7% | 1.7% | 1.7% | 54% |
| Net Income ($, YTD) |
$978,000
+29.2% YoY — QoQ |
-$1.6M | $2.6M | $4.5M | $40.4M | 26% |
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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.