BlastPoint's Banking Scorecard

The First National Bank of Coleraine

$100M-$1B Specialty: Other MN FDIC cert 5117

Coleraine, MN

2 branches across MN

2664 banks in the $100M-$1B peer group nationally 152 in MN

The First National Bank of Coleraine 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

+ Credit Quality Leader: Top 49.4% in tier
+ Nonperforming Asset Ratio 0.64% below tier average

Key Concerns

Areas that may need attention

- Net Interest Margin 1.01% below tier average
- ROA 0.77% below tier average
- Efficiency Ratio 11.06% 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 ?	$112.7M +8.9% YoY +2.6% QoQ	-$273.4M	$386.1M +0.5% YoY	$512.9M +5.5% YoY	$6.2B +9.1% YoY	Bottom 3.7% in tier
Total Loans ?	$41.8M +2.6% YoY +1.2% QoQ	-$213.9M	$255.7M +1.1% YoY	$288.3M +6.9% YoY	$3.2B +10.8% YoY	Bottom 1.6% in tier
Total Deposits ?	$106.0M +8.3% YoY +2.7% QoQ	-$222.0M	$328.0M +0.1% YoY	$443.8M +5.0% YoY	$4.8B +8.2% YoY	Bottom 7.4% in tier
Return on Assets ?	0.50% +81.5% YoY +10.6% QoQ	-0.77%	1.27% +12.9% YoY	1.13% +10.7% YoY	1.23% +13.4% YoY	Bottom 13.0% in tier
Net Interest Margin ?	2.92% +17.2% YoY +7.0% QoQ	-1.01%	3.93% +6.0% YoY	3.93% +7.5% YoY	3.89% +5.7% YoY	Bottom 9.0% in tier
Efficiency Ratio ?	76.35% -12.3% YoY -3.6% QoQ	+11.06%	65.29% -4.5% YoY	64.77% -3.3% YoY	66.95% -4.1% YoY	20%
Delinquency Rate ?	0.00%	-0.89%	0.89% +18.8% YoY	1.04% +28.9% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	39.46% -5.3% YoY -1.5% QoQ	-37.18%	76.64% +0.8% YoY	76.69% -0.4% YoY	76.70% +0.9% YoY	Top 4.3% in tier
Non-Interest-Bearing Deposit Share ?	17.83% -2.1% YoY +2.9% QoQ	-4.19%	22.02% -1.0% YoY	21.87% -0.9% YoY	22.01% -1.2% YoY	35%
Nonperforming Asset Ratio ?	0.00%	-0.64%	0.64% +19.7% YoY	0.77% +27.1% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	18.14% +2.8% YoY +2.1% QoQ	+2.31%	15.83% +1.5% YoY	15.37% +0.7% YoY	17.06% +0.8% YoY	81%
Non-Interest Income / Assets ?	0.04% -51.1% YoY -90.5% QoQ	-0.24%	0.28% +9.3% YoY	0.16% +5.0% YoY	0.32% +4.1% YoY	Bottom 11.4% 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 (1)

Credit Quality Leader

growth

#329 of 664 • Top 49.4% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.00%

(Tier: 0.89%, National: 0.95%)

better than tier avg

664 of 664 Community banks match · 922 nationally

→ Stable +2 banks QoQ | QoQ rank improving

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 2664 peers in $100M-$1B

Top Strengths (4 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 2654 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.64%

#1 of 2664 Top 0.1% in $100M-$1B

115

Loan-to-Deposit Ratio

liquidity

Value: 39.46%

Peer Median: 76.64%

#115 of 2664 Top 4.3% in $100M-$1B

498

Tier 1 Capital Ratio

capital

Value: 18.14%

Peer Median: 15.83%

#498 of 2664 Top 18.7% in $100M-$1B

Top Weaknesses (7 metrics)

2623

Total Loans

size

Value: $41.84M

Peer Median: $255.72M

#2623 of 2664 Bottom 1.6% in $100M-$1B

2567

Total Assets

size

Value: $112.69M

Peer Median: $386.08M

#2567 of 2664 Bottom 3.7% in $100M-$1B

2469

Total Deposits

size

Value: $106.02M

Peer Median: $327.97M

#2469 of 2664 Bottom 7.4% in $100M-$1B

2426

Net Interest Margin

profitability

Value: 2.92%

Peer Median: 3.93%

#2426 of 2664 Bottom 9.0% in $100M-$1B

2360

Non-Interest Income / Assets

revenue_mix

Value: 0.04%

Peer Median: 0.28%

#2360 of 2664 Bottom 11.4% in $100M-$1B

2319

Return on Assets

profitability

Value: 0.50%

Peer Median: 1.27%

#2319 of 2664 Bottom 13.0% in $100M-$1B

2127

Efficiency Ratio

profitability

Value: 76.35%

Peer Median: 65.29%

#2127 of 2664 Bottom 20.2% in $100M-$1B