BlastPoint's Banking Scorecard

The Miners National Bank of Eveleth

under $100M Specialty: Mortgage MN FDIC cert 5141

Designations: ✓ Community bank

Eveleth, MN

541 banks in the under $100M peer group nationally 55 in MN

The Miners National Bank of Eveleth shows strong momentum with 4 strengths and 8.8% YoY asset growth

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

+ ROA 0.22% above tier average
+ Net Interest Margin 0.33% above tier average
+ Efficiency Ratio 24.73% below tier average
+ Delinquency Rate 1.06% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

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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 ?	$98.2M +8.8% YoY -1.3% QoQ	+$36.0M	$62.2M -0.6% YoY	$512.9M +5.5% YoY	$6.2B +9.1% YoY	Top 2.2% in tier
Total Loans ?	$66.2M +1.1% YoY +1.0% QoQ	+$32.0M	$34.2M -1.4% YoY	$288.3M +6.9% YoY	$3.2B +10.8% YoY	Top 6.8% in tier
Total Deposits ?	$86.2M +9.1% YoY -1.8% QoQ	+$34.4M	$51.7M -0.7% YoY	$443.8M +5.0% YoY	$4.8B +8.2% YoY	Top 2.6% in tier
Return on Assets ?	1.06% +51.4% YoY +66.2% QoQ	+0.22%	0.84% -2.3% YoY	1.13% +10.7% YoY	1.23% +13.4% YoY	55%
Net Interest Margin ?	4.19% -1.3% YoY -3.7% QoQ	+0.33%	3.86% +2.8% YoY	3.93% +7.5% YoY	3.89% +5.7% YoY	65%
Efficiency Ratio ?	63.61% -16.9% YoY -19.1% QoQ	-24.73%	88.34% +0.3% YoY	64.77% -3.3% YoY	66.95% -4.1% YoY	68%
Delinquency Rate ?	0.31%	-1.06%	1.37% +33.8% YoY	1.04% +28.9% YoY	0.95% +18.8% YoY	53%
Loan-to-Deposit Ratio ?	76.83% -7.3% YoY +2.8% QoQ	+12.62%	64.22% -0.7% YoY	76.69% -0.4% YoY	76.70% +0.9% YoY	32%
Non-Interest-Bearing Deposit Share ?	22.73% -8.9% YoY +0.3% QoQ	-0.99%	23.71% +0.3% YoY	21.87% -0.9% YoY	22.01% -1.2% YoY	48%
Nonperforming Asset Ratio ?	0.21%	-0.58%	0.79% +28.2% YoY	0.77% +27.1% YoY	0.67% +19.3% YoY	51%
Tier 1 Capital Ratio ?	19.93% +3.5% YoY -0.0% QoQ	-6.76%	26.68% +2.0% YoY	15.37% +0.7% YoY	17.06% +0.8% YoY	69%
Non-Interest Income / Assets ?	0.04% +7.3% YoY -56.6% QoQ	-0.62%	0.67% +1.9% YoY	0.16% +5.0% YoY	0.32% +4.1% YoY	35%

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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 (0)

No matched strength signatures this quarter

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 541 peers in under $100M

Top Strengths (3 metrics)

Total Assets

size

Value: $98.19M

Peer Median: $62.16M

#13 of 541 Top 2.2% in under $100M

Total Deposits

size

Value: $86.17M

Peer Median: $51.74M

#15 of 541 Top 2.6% in under $100M

Total Loans

size

Value: $66.20M

Peer Median: $34.25M

#38 of 541 Top 6.8% in under $100M

Top Weaknesses (0 metrics)

No weakness rankings available