BlastPoint's Banking Scorecard
The First National Bank of Milaca
Milaca, MN
4 branches across MN
The First National Bank of Milaca demonstrates 4 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 40.1% in tier
- + Net Interest Margin 0.54% above tier average
- + Efficiency Ratio 6.40% below tier average
- + Delinquency Rate 0.26% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$285.8M
+1.6% YoY
+0.7% QoQ
|
-$100.3M |
$386.1M
+0.5% YoY
|
$512.9M
+5.5% YoY
|
$6.2B
+9.1% YoY
|
43% |
| Total Loans ? |
$185.6M
+5.7% YoY
+2.2% QoQ
|
-$70.1M |
$255.7M
+1.1% YoY
|
$288.3M
+6.9% YoY
|
$3.2B
+10.8% YoY
|
45% |
| Total Deposits ? |
$256.1M
-0.1% YoY
+0.9% QoQ
|
-$71.9M |
$328.0M
+0.1% YoY
|
$443.8M
+5.0% YoY
|
$4.8B
+8.2% YoY
|
46% |
| Return on Assets ? |
1.89%
+28.6% YoY
+16.1% QoQ
|
+0.62% |
1.27%
+12.9% YoY
|
1.13%
+10.7% YoY
|
1.23%
+13.4% YoY
|
84% |
| Net Interest Margin ? |
4.47%
+15.0% YoY
+6.1% QoQ
|
+0.54% |
3.93%
+6.0% YoY
|
3.93%
+7.5% YoY
|
3.89%
+5.7% YoY
|
81% |
| Efficiency Ratio ? |
58.89%
-10.0% YoY
-7.7% QoQ
|
-6.40% |
65.29%
-4.5% YoY
|
64.77%
-3.3% YoY
|
66.95%
-4.1% YoY
|
63% |
| Delinquency Rate ? |
0.63%
-50.4% YoY
-1.3% QoQ
|
-0.26% |
0.89%
+18.8% YoY
|
1.04%
+28.9% YoY
|
0.95%
+18.8% YoY
|
39% |
| Loan-to-Deposit Ratio ? |
72.47%
+5.8% YoY
+1.3% QoQ
|
-4.17% |
76.64%
+0.8% YoY
|
76.69%
-0.4% YoY
|
76.70%
+0.9% YoY
|
63% |
| Non-Interest-Bearing Deposit Share ? |
31.76%
-3.1% YoY
+2.0% QoQ
|
+9.74% |
22.02%
-1.0% YoY
|
21.87%
-0.9% YoY
|
22.01%
-1.2% YoY
|
Top 14.1% in tier |
| Nonperforming Asset Ratio ? |
0.41%
-48.5% YoY
+0.2% QoQ
|
-0.23% |
0.64%
+19.7% YoY
|
0.77%
+27.1% YoY
|
0.67%
+19.3% YoY
|
43% |
| Tier 1 Capital Ratio ? |
17.66%
+6.6% YoY
-2.1% QoQ
|
+1.83% |
15.83%
+1.5% YoY
|
15.37%
+0.7% YoY
|
17.06%
+0.8% YoY
|
80% |
| Non-Interest Income / Assets ? |
0.15%
+23.5% YoY
-71.4% QoQ
|
-0.13% |
0.28%
+9.3% YoY
|
0.16%
+5.0% YoY
|
0.32%
+4.1% YoY
|
75% |
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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 (1)
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.