BlastPoint's Banking Scorecard
First Bank Elk River
Elk River, MN
4 branches across MN
First Bank Elk River has 1 strength but faces 8 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.34% below tier average
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 6.8% in tier
- - Deposit Outflow: Bottom 8.3% in tier
- - Capital Thin: Bottom 15.0% in tier
- - Credit Risk Growth: Bottom 24.9% in tier
- - Efficiency Drag: Bottom 26.8% in tier
- - Liquidity Strain: Bottom 26.9% in tier
- - Capital Constraint: Bottom 33.3% in tier
- - ROA 0.80% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$362.5M
-0.1% YoY
-0.4% QoQ
|
-$23.6M |
$386.1M
+0.5% YoY
|
$512.9M
+5.5% YoY
|
$6.2B
+9.1% YoY
|
56% |
| Total Loans ? |
$266.0M
+1.4% YoY
+0.5% QoQ
|
+$10.3M |
$255.7M
+1.1% YoY
|
$288.3M
+6.9% YoY
|
$3.2B
+10.8% YoY
|
62% |
| Total Deposits ? |
$272.0M
-5.1% YoY
+0.7% QoQ
|
-$56.0M |
$328.0M
+0.1% YoY
|
$443.8M
+5.0% YoY
|
$4.8B
+8.2% YoY
|
49% |
| Return on Assets ? |
0.46%
+10.7% YoY
-64.3% QoQ
|
-0.80% |
1.27%
+12.9% YoY
|
1.13%
+10.7% YoY
|
1.23%
+13.4% YoY
|
Bottom 12.3% in tier |
| Net Interest Margin ? |
3.46%
+14.8% YoY
+8.0% QoQ
|
-0.47% |
3.93%
+6.0% YoY
|
3.93%
+7.5% YoY
|
3.89%
+5.7% YoY
|
29% |
| Efficiency Ratio ? |
82.06%
+0.8% YoY
+34.7% QoQ
|
+16.77% |
65.29%
-4.5% YoY
|
64.77%
-3.3% YoY
|
66.95%
-4.1% YoY
|
Bottom 12.8% in tier |
| Delinquency Rate ? |
0.55%
+208.0% QoQ
|
-0.34% |
0.89%
+18.8% YoY
|
1.04%
+28.9% YoY
|
0.95%
+18.8% YoY
|
43% |
| Loan-to-Deposit Ratio ? |
97.81%
+6.9% YoY
-0.2% QoQ
|
+21.17% |
76.64%
+0.8% YoY
|
76.69%
-0.4% YoY
|
76.70%
+0.9% YoY
|
Bottom 11.1% in tier |
| Non-Interest-Bearing Deposit Share ? |
28.90%
-5.8% YoY
-2.4% QoQ
|
+6.88% |
22.02%
-1.0% YoY
|
21.87%
-0.9% YoY
|
22.01%
-1.2% YoY
|
79% |
| Nonperforming Asset Ratio ? |
0.40%
+210.5% QoQ
|
-0.24% |
0.64%
+19.7% YoY
|
0.77%
+27.1% YoY
|
0.67%
+19.3% YoY
|
43% |
| Tier 1 Capital Ratio ? |
10.46%
+10.3% YoY
-2.1% QoQ
|
-5.37% |
15.83%
+1.5% YoY
|
15.37%
+0.7% YoY
|
17.06%
+0.8% YoY
|
16% |
| Non-Interest Income / Assets ? |
0.10%
-10.6% YoY
-94.2% QoQ
|
-0.18% |
0.28%
+9.3% YoY
|
0.16%
+5.0% YoY
|
0.32%
+4.1% YoY
|
51% |
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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 (7)
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Efficiency Drag
riskEfficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Capital Constraint
riskStrong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.