BlastPoint's Banking Scorecard
Deerwood Bank
Designations: ✓ Community bank
Waite Park, MN
14 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 885 banks in the $1B-$10B peer group nationwide — 1 of 17 in MN.
- Deposits +24.0% year over year ($1.4B on the books).
- Delinquency rate 0.29%.
- Return on assets 1.79%.
- Efficiency ratio 56.82% vs a 59.73% peer average.
- Loan-to-deposit ratio 68.69% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Deerwood Bank shows strong momentum with 4 strengths and 22.6% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.40% above tier average
- + Net Interest Margin 0.27% above tier average
- + Efficiency Ratio 2.90% below tier average
- + Delinquency Rate 0.57% 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 ? |
$1.5B
+22.6% YoY
-2.6% QoQ
|
-$1.3B |
$2.8B
-0.6% YoY
|
$524.5M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
35% |
| Total Loans ? |
$946.7M
+3.2% YoY
+3.4% QoQ
|
-$1.0B |
$2.0B
-0.3% YoY
|
$300.2M
+7.3% YoY
|
$3.2B
+9.4% YoY
|
29% |
| Total Deposits ? |
$1.4B
+24.0% YoY
-3.1% QoQ
|
-$940.6M |
$2.3B
-0.5% YoY
|
$452.1M
+5.5% YoY
|
$4.9B
+7.3% YoY
|
40% |
| Return on Assets ? |
1.79%
+6.4% YoY
+0.8% QoQ
|
+0.40% |
1.39%
+17.0% YoY
|
1.26%
+17.2% YoY
|
1.30%
+12.1% YoY
|
82% |
| Net Interest Margin ? |
4.14%
-8.0% YoY
+3.8% QoQ
|
+0.27% |
3.87%
+6.2% YoY
|
4.00%
+6.8% YoY
|
3.95%
+4.9% YoY
|
75% |
| Efficiency Ratio ? |
56.82%
-2.3% YoY
+6.7% QoQ
|
-2.90% |
59.73%
-12.6% YoY
|
63.00%
-3.5% YoY
|
70.05%
+2.5% YoY
|
58% |
| Delinquency Rate ? |
0.29%
-32.0% YoY
-2.0% QoQ
|
-0.57% |
0.87%
+11.7% YoY
|
1.01%
+19.3% YoY
|
0.98%
+16.3% YoY
|
69% |
| Loan-to-Deposit Ratio ? |
68.69%
-16.8% YoY
+6.7% QoQ
|
-16.35% |
85.04%
-0.1% YoY
|
78.29%
-0.6% YoY
|
79.03%
+2.3% YoY
|
Top 14.1% in tier |
| Non-Interest-Bearing Deposit Share ? |
21.05%
-16.8% YoY
+1.7% QoQ
|
-0.22% |
21.27%
-1.5% YoY
|
21.79%
+0.9% YoY
|
21.98%
-0.6% YoY
|
56% |
| Nonperforming Asset Ratio ? |
0.36%
-43.2% YoY
-11.7% QoQ
|
-0.32% |
0.67%
+11.7% YoY
|
0.76%
+16.9% YoY
|
0.69%
+15.8% YoY
|
56% |
| Tier 1 Capital Ratio ? |
11.34%
+1.0% YoY
-1.3% QoQ
|
-3.51% |
14.84%
-0.4% YoY
|
15.35%
-0.4% YoY
|
17.09%
+0.8% YoY
|
23% |
| Non-Interest Income / Assets ? |
0.19%
-13.0% YoY
+129.1% QoQ
|
-0.33% |
0.53%
+2.5% YoY
|
0.31%
+3.9% YoY
|
0.66%
+5.2% YoY
|
30% |
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 |
21.1%
-4.3pp YoY +0.4pp QoQ |
-0.3pp | 21.4% | 21.9% | 22.2% | 56% |
| Brokered Deposits | n/a | n/a | 9.5% | 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 |
20.9%
-2.1pp YoY +1.5pp QoQ |
+6.9pp | 14.0% | 14.6% | 12.5% | 82% |
| CRE |
42.4%
0.0pp YoY -1.4pp QoQ |
-7.7pp | 50.0% | 36.5% | 41.4% | 30% |
| 1-4 Family |
34.5%
+2.7pp YoY 0.0pp QoQ |
+8.1pp | 26.4% | 29.4% | 31.3% | 74% |
| Consumer |
0.8%
-0.2pp YoY 0.0pp QoQ |
-3.9pp | 4.7% | 4.5% | 5.0% | 40% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
11.3%
+0.1pp YoY -0.2pp QoQ |
-4.3pp | 15.6% | 16.5% | 19.7% | 14% |
| Leverage Ratio |
8.1%
-1.4pp YoY 0.0pp QoQ |
-3.2pp | 11.3% | 11.0% | 12.6% | 2% |
| Total Capital Ratio |
12.1%
+0.1pp YoY -0.2pp QoQ |
-4.6pp | 16.7% | 17.6% | 20.8% | 11% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
197
+7 (+3.7%) YoY +1 (+0.5%) QoQ |
-117 | 313 | 55 | 482 | 41% |
| Assets per Employee ($) |
$7.7M
+18.3% YoY -3.1% QoQ |
-$2.8M | $10.5M | $8.6M | $8.8M | 35% |
| Branch Count |
14
0 YoY 0 QoQ |
-6 | 20 | 4 | 18 | 46% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 0.2% | 0.4% | 0.4% | 6% |
| Nonaccrual |
0.3%
-0.1pp YoY 0.0pp QoQ |
-0.5pp | 0.8% | 1.0% | 1.0% | 31% |
| Allowance Coverage |
2.94x
+58.2% YoY -1.3% QoQ |
-15.77x | 18.71x | 20.41x | 20.23x | 63% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 0.3% | 0.2% | 0.2% | 36% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
20.3%
+3.3pp YoY 0.0pp QoQ |
+7.7pp | 12.6% | 13.1% | 11.6% | 91% |
| Cost of Funds (YTD) |
1.5%
+0.3pp YoY 0.0pp QoQ |
-0.4pp | 1.9% | 1.7% | 1.7% | 24% |
| Net Income ($, YTD) |
$13.4M
+33.4% YoY — QoQ |
-$5.8M | $19.2M | $4.5M | $40.4M | 54% |
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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.