BlastPoint's Banking Scorecard
The First National Bank of Gilbert
Designations: ✓ Community bank
Gilbert, MN
2 branches across MN
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 11.11% below tier average
- + Delinquency Rate 1.18% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.40% below tier average
- - Net Interest Margin 0.31% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$87.4M
+6.3% YoY
+2.6% QoQ
|
+$25.3M |
$62.2M
-0.6% YoY
|
$512.9M
+5.5% YoY
|
$6.2B
+9.1% YoY
|
83% |
| Total Loans ? |
$68.0M
+8.0% YoY
+0.4% QoQ
|
+$33.7M |
$34.2M
-1.4% YoY
|
$288.3M
+6.9% YoY
|
$3.2B
+10.8% YoY
|
Top 5.5% in tier |
| Total Deposits ? |
$77.5M
+9.8% YoY
+5.8% QoQ
|
+$25.8M |
$51.7M
-0.7% YoY
|
$443.8M
+5.0% YoY
|
$4.8B
+8.2% YoY
|
Top 13.5% in tier |
| Return on Assets ? |
0.44%
-19.6% YoY
-27.2% QoQ
|
-0.40% |
0.84%
-2.3% YoY
|
1.13%
+10.7% YoY
|
1.23%
+13.4% YoY
|
27% |
| Net Interest Margin ? |
3.55%
+13.8% YoY
+0.2% QoQ
|
-0.31% |
3.86%
+2.8% YoY
|
3.93%
+7.5% YoY
|
3.89%
+5.7% YoY
|
34% |
| Efficiency Ratio ? |
77.24%
+2.1% YoY
+4.1% QoQ
|
-11.11% |
88.34%
+0.3% YoY
|
64.77%
-3.3% YoY
|
66.95%
-4.1% YoY
|
40% |
| Delinquency Rate ? |
0.19%
+359.6% YoY
|
-1.18% |
1.37%
+33.8% YoY
|
1.04%
+28.9% YoY
|
0.95%
+18.8% YoY
|
60% |
| Loan-to-Deposit Ratio ? |
87.69%
-1.7% YoY
-5.1% QoQ
|
+23.47% |
64.22%
-0.7% YoY
|
76.69%
-0.4% YoY
|
76.70%
+0.9% YoY
|
18% |
| Non-Interest-Bearing Deposit Share ? |
13.97%
-5.6% YoY
-4.2% QoQ
|
-9.74% |
23.71%
+0.3% YoY
|
21.87%
-0.9% YoY
|
22.01%
-1.2% YoY
|
21% |
| Nonperforming Asset Ratio ? |
0.15%
+366.7% YoY
|
-0.64% |
0.79%
+28.2% YoY
|
0.77%
+27.1% YoY
|
0.67%
+19.3% YoY
|
57% |
| Tier 1 Capital Ratio ? |
12.81%
-4.7% YoY
+0.9% QoQ
|
-13.87% |
26.68%
+2.0% YoY
|
15.37%
+0.7% YoY
|
17.06%
+0.8% YoY
|
30% |
| Non-Interest Income / Assets ? |
0.04%
-0.2% YoY
-75.5% QoQ
|
-0.63% |
0.67%
+1.9% YoY
|
0.16%
+5.0% YoY
|
0.32%
+4.1% YoY
|
31% |
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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.