BlastPoint's Banking Scorecard

My Kind of Bank, National Association

$100M-$1B Specialty: Commercial MN FDIC cert 5162

Ottertail, MN

5 branches across MN

2664 banks in the $100M-$1B peer group nationally 152 in MN

My Kind of Bank, National Association has 2 strengths but faces 1 concern

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 0.10% above tier average
+ Efficiency Ratio 3.03% below tier average

Key Concerns

Areas that may need attention

- Net Interest Margin 0.12% below tier average

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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 ?	$420.5M +10.4% YoY +0.7% QoQ	+$34.5M	$386.1M +0.5% YoY	$512.9M +5.5% YoY	$6.2B +9.1% YoY	64%
Total Loans ?	$299.4M +6.5% YoY +1.5% QoQ	+$43.7M	$255.7M +1.1% YoY	$288.3M +6.9% YoY	$3.2B +10.8% YoY	68%
Total Deposits ?	$385.1M +12.4% YoY +0.8% QoQ	+$57.1M	$328.0M +0.1% YoY	$443.8M +5.0% YoY	$4.8B +8.2% YoY	68%
Return on Assets ?	1.37% +48.0% YoY +22.4% QoQ	+0.10%	1.27% +12.9% YoY	1.13% +10.7% YoY	1.23% +13.4% YoY	60%
Net Interest Margin ?	3.81% +7.5% YoY +0.0% QoQ	-0.12%	3.93% +6.0% YoY	3.93% +7.5% YoY	3.89% +5.7% YoY	47%
Efficiency Ratio ?	62.25% -11.8% YoY -8.5% QoQ	-3.03%	65.29% -4.5% YoY	64.77% -3.3% YoY	66.95% -4.1% YoY	53%
Delinquency Rate ?	0.92% -19.4% YoY +24.3% QoQ	+0.04%	0.89% +18.8% YoY	1.04% +28.9% YoY	0.95% +18.8% YoY	30%
Loan-to-Deposit Ratio ?	77.74% -5.2% YoY +0.8% QoQ	+1.10%	76.64% +0.8% YoY	76.69% -0.4% YoY	76.70% +0.9% YoY	51%
Non-Interest-Bearing Deposit Share ?	11.22% -2.2% YoY +1.1% QoQ	-10.80%	22.02% -1.0% YoY	21.87% -0.9% YoY	22.01% -1.2% YoY	Bottom 13.3% in tier
Nonperforming Asset Ratio ?	0.74% -19.4% YoY +21.8% QoQ	+0.10%	0.64% +19.7% YoY	0.77% +27.1% YoY	0.67% +19.3% YoY	28%
Tier 1 Capital Ratio ?	11.77% -2.8% YoY -1.7% QoQ	-4.06%	15.83% +1.5% YoY	15.37% +0.7% YoY	17.06% +0.8% YoY	32%
Non-Interest Income / Assets ?	0.15% +13.0% YoY -75.3% QoQ	-0.13%	0.28% +9.3% YoY	0.16% +5.0% YoY	0.32% +4.1% YoY	73%

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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 2664 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (1 metrics)

2312

Non-Interest-Bearing Deposit Share

funding

Value: 11.22%

Peer Median: 22.02%

#2312 of 2664 Bottom 13.3% in $100M-$1B