BlastPoint's Banking Scorecard
The First National Bank of Le Center
Lonsdale, MN
2 branches across MN
The First National Bank of Le Center has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.43% above tier average
- + Efficiency Ratio 18.84% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.28% below tier average
- - Delinquency Rate 0.36% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$175.3M
+8.4% YoY
-1.7% QoQ
|
-$210.8M |
$386.1M
+0.5% YoY
|
$512.9M
+5.5% YoY
|
$6.2B
+9.1% YoY
|
21% |
| Total Loans ? |
$128.7M
+13.2% YoY
+1.1% QoQ
|
-$127.0M |
$255.7M
+1.1% YoY
|
$288.3M
+6.9% YoY
|
$3.2B
+10.8% YoY
|
29% |
| Total Deposits ? |
$143.9M
+1.1% YoY
-9.0% QoQ
|
-$184.1M |
$328.0M
+0.1% YoY
|
$443.8M
+5.0% YoY
|
$4.8B
+8.2% YoY
|
19% |
| Return on Assets ? |
1.70%
+24.4% YoY
+52.4% QoQ
|
+0.43% |
1.27%
+12.9% YoY
|
1.13%
+10.7% YoY
|
1.23%
+13.4% YoY
|
78% |
| Net Interest Margin ? |
3.65%
+9.6% YoY
+2.9% QoQ
|
-0.28% |
3.93%
+6.0% YoY
|
3.93%
+7.5% YoY
|
3.89%
+5.7% YoY
|
38% |
| Efficiency Ratio ? |
46.45%
-22.6% YoY
-28.6% QoQ
|
-18.84% |
65.29%
-4.5% YoY
|
64.77%
-3.3% YoY
|
66.95%
-4.1% YoY
|
Top 10.5% in tier |
| Delinquency Rate ? |
1.25%
+117.5% YoY
+288.3% QoQ
|
+0.36% |
0.89%
+18.8% YoY
|
1.04%
+28.9% YoY
|
0.95%
+18.8% YoY
|
23% |
| Loan-to-Deposit Ratio ? |
89.44%
+11.9% YoY
+11.2% QoQ
|
+12.80% |
76.64%
+0.8% YoY
|
76.69%
-0.4% YoY
|
76.70%
+0.9% YoY
|
25% |
| Non-Interest-Bearing Deposit Share ? |
15.53%
-3.0% YoY
+2.6% QoQ
|
-6.49% |
22.02%
-1.0% YoY
|
21.87%
-0.9% YoY
|
22.01%
-1.2% YoY
|
26% |
| Nonperforming Asset Ratio ? |
0.92%
+127.2% YoY
+299.6% QoQ
|
+0.28% |
0.64%
+19.7% YoY
|
0.77%
+27.1% YoY
|
0.67%
+19.3% YoY
|
22% |
| Tier 1 Capital Ratio ? |
9.38%
-4.1% YoY
+11.0% QoQ
|
-6.45% |
15.83%
+1.5% YoY
|
15.37%
+0.7% YoY
|
17.06%
+0.8% YoY
|
Bottom 3.4% in tier |
| Non-Interest Income / Assets ? |
0.09%
-10.1% YoY
-75.5% QoQ
|
-0.19% |
0.28%
+9.3% YoY
|
0.16%
+5.0% YoY
|
0.32%
+4.1% YoY
|
43% |
Get Full Access to The First National Bank of Le Center
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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.