BlastPoint's Banking Scorecard
The First National Bank of Le Center
Lonsdale, 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 151 in MN.
- Deposits +0.9% year over year ($139.6M on the books).
- Delinquency rate 1.74%.
- Return on assets 1.57%.
- Efficiency ratio 50.98% vs a 64.48% peer average.
- Loan-to-deposit ratio 92.88% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The First National Bank of Le Center has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.24% above tier average
- + Efficiency Ratio 13.50% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 28.4% in tier
- - Net Interest Margin 0.24% below tier average
- - Delinquency Rate 0.82% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$178.2M
+7.9% YoY
+1.7% QoQ
|
-$208.4M |
$386.6M
+1.2% YoY
|
$524.5M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
21% |
| Total Loans ? |
$129.6M
+5.6% YoY
+0.7% QoQ
|
-$128.7M |
$258.3M
+1.7% YoY
|
$300.2M
+7.3% YoY
|
$3.2B
+9.4% YoY
|
28% |
| Total Deposits ? |
$139.6M
+0.9% YoY
-3.0% QoQ
|
-$187.2M |
$326.7M
+0.7% YoY
|
$452.1M
+5.5% YoY
|
$4.9B
+7.3% YoY
|
18% |
| Return on Assets ? |
1.57%
+10.5% YoY
-7.9% QoQ
|
+0.24% |
1.32%
+10.8% YoY
|
1.26%
+17.2% YoY
|
1.30%
+12.1% YoY
|
69% |
| Net Interest Margin ? |
3.75%
+8.9% YoY
+2.7% QoQ
|
-0.24% |
3.99%
+5.0% YoY
|
4.00%
+6.8% YoY
|
3.95%
+4.9% YoY
|
39% |
| Efficiency Ratio ? |
50.98%
-14.6% YoY
+9.8% QoQ
|
-13.50% |
64.48%
-3.2% YoY
|
63.00%
-3.5% YoY
|
70.05%
+2.5% YoY
|
81% |
| Delinquency Rate ? |
1.74%
-34.6% YoY
+39.2% QoQ
|
+0.82% |
0.92%
+15.7% YoY
|
1.01%
+19.3% YoY
|
0.98%
+16.3% YoY
|
16% |
| Loan-to-Deposit Ratio ? |
92.88%
+4.6% YoY
+3.8% QoQ
|
+14.93% |
77.95%
+1.0% YoY
|
78.29%
-0.6% YoY
|
79.03%
+2.3% YoY
|
21% |
| Non-Interest-Bearing Deposit Share ? |
15.24%
-1.7% YoY
-1.9% QoQ
|
-6.79% |
22.03%
-0.6% YoY
|
21.79%
+0.9% YoY
|
21.98%
-0.6% YoY
|
25% |
| Nonperforming Asset Ratio ? |
1.27%
-36.0% YoY
+37.9% QoQ
|
+0.60% |
0.67%
+16.4% YoY
|
0.76%
+16.9% YoY
|
0.69%
+15.8% YoY
|
15% |
| Tier 1 Capital Ratio ? |
9.50%
-2.2% YoY
+1.2% QoQ
|
-6.41% |
15.91%
+1.4% YoY
|
15.35%
-0.4% YoY
|
17.09%
+0.8% YoY
|
Bottom 4.8% in tier |
| Non-Interest Income / Assets ? |
0.18%
-3.4% YoY
+108.5% QoQ
|
-0.39% |
0.57%
+7.6% YoY
|
0.31%
+3.9% YoY
|
0.66%
+5.2% YoY
|
44% |
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 |
15.2%
-0.3pp YoY -0.3pp QoQ |
-6.9pp | 22.1% | 21.9% | 22.2% | 25% |
| Brokered Deposits | n/a | n/a | 7.9% | 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 |
11.7%
-0.3pp YoY +2.1pp QoQ |
+0.1pp | 11.6% | 14.6% | 12.5% | 62% |
| CRE | n/a | n/a | 39.5% | 36.5% | 41.4% | n/a |
| 1-4 Family |
30.8%
+0.6pp YoY +0.2pp QoQ |
-1.8pp | 32.6% | 29.4% | 31.3% | 53% |
| Consumer |
5.8%
-0.1pp YoY +0.3pp QoQ |
+1.7pp | 4.1% | 4.5% | 5.0% | 81% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 16.5% | 19.7% | n/a |
| Leverage Ratio |
9.5%
-0.2pp YoY +0.1pp QoQ |
-2.7pp | 12.2% | 11.0% | 12.6% | 21% |
| Total Capital Ratio | n/a | n/a | 19.9% | 17.6% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
20
0 YoY +1 (+5.3%) QoQ |
-39 | 58 | 55 | 482 | 11% |
| Assets per Employee ($) |
$8.9M
+7.9% YoY -3.4% QoQ |
+$1.4M | $7.5M | $8.6M | $8.8M | 78% |
| Branch Count |
2
0 YoY 0 QoQ |
-3 | 4 | 4 | 18 | 11% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
1.7%
-0.7pp YoY +0.5pp QoQ |
+1.4pp | 0.3% | 0.4% | 0.4% | 96% |
| Nonaccrual |
0.0%
-0.2pp YoY 0.0pp QoQ |
-0.9pp | 0.9% | 1.0% | 1.0% | 3% |
| Allowance Coverage |
0.57x
+69.1% YoY -24.1% QoQ |
-23.58x | 24.15x | 20.41x | 20.23x | 13% |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 0.1% | 0.2% | 0.2% | 16% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
17.8%
+2.1pp YoY -1.9pp QoQ |
+5.6pp | 12.2% | 13.1% | 11.6% | 81% |
| Cost of Funds (YTD) |
2.3%
-0.1pp YoY 0.0pp QoQ |
+0.5pp | 1.7% | 1.7% | 1.7% | 83% |
| Net Income ($, YTD) |
$1.4M
+21.4% YoY — QoQ |
-$1.2M | $2.6M | $4.5M | $40.4M | 38% |
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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 (1)
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.