BlastPoint's Banking Scorecard
The First National Bank of Gilbert
Designations: ✓ Community bank
Gilbert, MN
2 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 536 banks in the under $100M peer group nationwide — 1 of 52 in MN.
- Deposits +8.0% year over year ($76.0M on the books).
- Delinquency rate 0.16%.
- Return on assets 0.66%.
- Efficiency ratio 74.08% vs a 119.40% peer average.
- Loan-to-deposit ratio 91.17% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The First National Bank of Gilbert has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 45.31% below tier average
- + Delinquency Rate 1.32% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.34% below tier average
- - Net Interest Margin 0.25% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$86.0M
+4.9% YoY
-1.6% QoQ
|
+$23.6M |
$62.4M
-0.0% YoY
|
$524.5M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
79% |
| Total Loans ? |
$69.3M
+8.0% YoY
+2.0% QoQ
|
+$34.4M |
$34.9M
-0.6% YoY
|
$300.2M
+7.3% YoY
|
$3.2B
+9.4% YoY
|
Top 6.2% in tier |
| Total Deposits ? |
$76.0M
+8.0% YoY
-1.9% QoQ
|
+$24.4M |
$51.6M
-0.2% YoY
|
$452.1M
+5.5% YoY
|
$4.9B
+7.3% YoY
|
85% |
| Return on Assets ? |
0.66%
+24.4% YoY
+49.6% QoQ
|
-0.34% |
1.00%
+3.5% YoY
|
1.26%
+17.2% YoY
|
1.30%
+12.1% YoY
|
33% |
| Net Interest Margin ? |
3.66%
+10.8% YoY
+3.0% QoQ
|
-0.25% |
3.91%
+2.3% YoY
|
4.00%
+6.8% YoY
|
3.95%
+4.9% YoY
|
37% |
| Efficiency Ratio ? |
74.08%
-3.7% YoY
-4.1% QoQ
|
-45.31% |
119.40%
+49.6% YoY
|
63.00%
-3.5% YoY
|
70.05%
+2.5% YoY
|
43% |
| Delinquency Rate ? |
0.16%
+24.5% YoY
-14.1% QoQ
|
-1.32% |
1.48%
+31.8% YoY
|
1.01%
+19.3% YoY
|
0.98%
+16.3% YoY
|
62% |
| Loan-to-Deposit Ratio ? |
91.17%
-0.0% YoY
+4.0% QoQ
|
+16.97% |
74.21%
+12.6% YoY
|
78.29%
-0.6% YoY
|
79.03%
+2.3% YoY
|
16% |
| Non-Interest-Bearing Deposit Share ? |
14.52%
-3.6% YoY
+3.9% QoQ
|
-8.97% |
23.49%
+0.6% YoY
|
21.79%
+0.9% YoY
|
21.98%
-0.6% YoY
|
22% |
| Nonperforming Asset Ratio ? |
0.13%
+28.3% YoY
-11.0% QoQ
|
-0.71% |
0.84%
+23.0% YoY
|
0.76%
+16.9% YoY
|
0.69%
+15.8% YoY
|
58% |
| Tier 1 Capital Ratio ? |
12.62%
-3.4% YoY
-1.5% QoQ
|
-14.50% |
27.13%
+3.0% YoY
|
15.35%
-0.4% YoY
|
17.09%
+0.8% YoY
|
28% |
| Non-Interest Income / Assets ? |
0.08%
-8.8% YoY
+88.7% QoQ
|
-1.31% |
1.38%
+6.3% YoY
|
0.31%
+3.9% YoY
|
0.66%
+5.2% YoY
|
29% |
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 |
14.5%
-0.5pp YoY +0.5pp QoQ |
-10.1pp | 24.6% | 21.9% | 22.2% | 18% |
| Brokered Deposits | n/a | n/a | 9.8% | 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 |
6.1%
-0.5pp YoY +0.1pp QoQ |
-7.3pp | 13.4% | 14.6% | 12.5% | 28% |
| CRE | n/a | n/a | 25.2% | 36.5% | 41.4% | n/a |
| 1-4 Family |
78.0%
-0.3pp YoY -1.0pp QoQ |
+43.0pp | 35.0% | 29.4% | 31.3% | 90% |
| Consumer |
5.8%
-0.3pp YoY +0.2pp QoQ |
-1.8pp | 7.7% | 4.5% | 5.0% | 55% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
12.6%
-0.5pp YoY -0.2pp QoQ |
-26.1pp | 38.7% | 16.5% | 19.7% | 9% |
| Leverage Ratio |
7.1%
0.0pp YoY +0.1pp QoQ |
-10.6pp | 17.7% | 11.0% | 12.6% | 1% |
| Total Capital Ratio |
13.9%
-0.4pp YoY -0.2pp QoQ |
-25.8pp | 39.7% | 17.6% | 20.8% | 10% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
16
0 YoY +1 (+6.7%) QoQ |
+4 | 12 | 55 | 482 | 77% |
| Assets per Employee ($) |
$5.4M
+4.9% YoY -7.7% QoQ |
-$811K | $6.2M | $8.6M | $8.8M | 41% |
| Branch Count |
2
0 YoY 0 QoQ |
+0 | 1 | 4 | 18 | 63% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
-0.1pp YoY -0.1pp QoQ |
-1.0pp | 1.0% | 0.4% | 0.4% | 4% |
| Nonaccrual |
0.2%
+0.1pp QoQ |
-1.6pp | 1.7% | 1.0% | 1.0% | 18% |
| Allowance Coverage |
6.48x
-17.2% YoY +14.2% QoQ |
+0.07x | 6.41x | 20.41x | 20.23x | 83% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.2% | 0.2% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
9.3%
+1.8pp YoY +3.1pp QoQ |
+3.0pp | 6.4% | 13.1% | 11.6% | 57% |
| Cost of Funds (YTD) |
1.8%
-0.1pp YoY 0.0pp QoQ |
+0.3pp | 1.4% | 1.7% | 1.7% | 72% |
| Net Income ($, YTD) |
$284,000
+30.3% YoY — QoQ |
-$34K | $317,817 | $4.5M | $40.4M | 49% |
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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.