BlastPoint's Banking Scorecard

Community Resource Bank

$100M-$1B Specialty: Commercial MN FDIC cert 5219

Northfield, MN

4 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 +4.4% year over year ($471.8M on the books).
Delinquency rate 1.11%.
Return on assets 1.40%.
Efficiency ratio 54.37% vs a 64.48% peer average.
Loan-to-deposit ratio 86.95% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 151 in MN

View $100M-$1B leaderboard (MN) →

Community Resource Bank has 3 strengths but faces 2 concerns

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 0.08% above tier average
+ Net Interest Margin 0.30% above tier average
+ Efficiency Ratio 10.11% below tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 11.8% in tier
- Credit Quality Pressure: Bottom 41.1% in tier

Get updates when Community Resource Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Total Assets ?	$556.4M +3.0% YoY -3.3% QoQ	+$169.8M	$386.6M +1.2% YoY	$524.5M +5.8% YoY	$6.3B +7.7% YoY	77%
Total Loans ?	$410.2M +4.4% YoY +2.4% QoQ	+$151.8M	$258.3M +1.7% YoY	$300.2M +7.3% YoY	$3.2B +9.4% YoY	80%
Total Deposits ?	$471.8M +4.4% YoY -3.5% QoQ	+$145.0M	$326.7M +0.7% YoY	$452.1M +5.5% YoY	$4.9B +7.3% YoY	77%
Return on Assets ?	1.40% +59.9% YoY -14.5% QoQ	+0.08%	1.32% +10.8% YoY	1.26% +17.2% YoY	1.30% +12.1% YoY	59%
Net Interest Margin ?	4.28% +16.2% YoY +3.4% QoQ	+0.30%	3.99% +5.0% YoY	4.00% +6.8% YoY	3.95% +4.9% YoY	69%
Efficiency Ratio ?	54.37% -19.4% YoY +6.8% QoQ	-10.11%	64.48% -3.2% YoY	63.00% -3.5% YoY	70.05% +2.5% YoY	73%
Delinquency Rate ?	1.11% +4.9% YoY -20.6% QoQ	+0.19%	0.92% +15.7% YoY	1.01% +19.3% YoY	0.98% +16.3% YoY	26%
Loan-to-Deposit Ratio ?	86.95% +0.0% YoY +6.2% QoQ	+9.00%	77.95% +1.0% YoY	78.29% -0.6% YoY	79.03% +2.3% YoY	33%
Non-Interest-Bearing Deposit Share ?	19.63% -5.1% YoY +2.0% QoQ	-2.40%	22.03% -0.6% YoY	21.79% +0.9% YoY	21.98% -0.6% YoY	44%
Nonperforming Asset Ratio ?	0.82% +6.3% YoY -15.9% QoQ	+0.15%	0.67% +16.4% YoY	0.76% +16.9% YoY	0.69% +15.8% YoY	26%
Tier 1 Capital Ratio ?	13.97% +2.2% YoY -0.9% QoQ	-1.94%	15.91% +1.4% YoY	15.35% -0.4% YoY	17.09% +0.8% YoY	57%
Non-Interest Income / Assets ?	0.31% +40.2% YoY +46.7% QoQ	-0.26%	0.57% +7.6% YoY	0.31% +3.9% YoY	0.66% +5.2% YoY	73%

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	19.6% -1.1pp YoY +0.4pp QoQ	-2.5pp	22.1%	21.9%	22.2%	44%
Brokered Deposits	0.9% -0.4pp YoY 0.0pp QoQ	-7.0pp	7.9%	8.3%	8.5%	17%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
C&I	10.7% -2.8pp YoY -0.9pp QoQ	-0.9pp	11.6%	14.6%	12.5%	56%
CRE	56.8% +5.2pp YoY +1.9pp QoQ	+17.2pp	39.5%	36.5%	41.4%	81%
1-4 Family	22.3% -2.5pp YoY -1.1pp QoQ	-10.3pp	32.6%	29.4%	31.3%	35%
Consumer	1.9% +0.5pp YoY +0.1pp QoQ	-2.3pp	4.1%	4.5%	5.0%	45%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
CET1 Ratio	14.0% +0.3pp YoY -0.1pp QoQ	-4.9pp	18.8%	16.5%	19.7%	39%
Leverage Ratio	10.5% +0.3pp YoY +0.1pp QoQ	-1.7pp	12.2%	11.0%	12.6%	42%
Total Capital Ratio	15.2% +0.3pp YoY -0.1pp QoQ	-4.7pp	19.9%	17.6%	20.8%	40%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Full-Time Employees	69 +3 (+4.5%) YoY +2 (+3.0%) QoQ	+10	58	55	482	70%
Assets per Employee ($)	$8.1M -1.4% YoY -6.1% QoQ	+$545K	$7.5M	$8.6M	$8.8M	68%
Branch Count	4 -1 (-20.0%) YoY 0 QoQ	-1	4	4	18	42%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% 0.0pp QoQ	-0.3pp	0.3%	0.4%	0.4%	23%
Nonaccrual	1.1% 0.0pp YoY -0.3pp QoQ	+0.2pp	0.9%	1.0%	1.0%	73%
Allowance Coverage	1.21x -7.7% YoY +14.3% QoQ	-22.95x	24.15x	20.41x	20.23x	32%
Net Charge-off Rate (YTD)	0.4% +0.3pp YoY +0.4pp QoQ	+0.2pp	0.1%	0.2%	0.2%	92%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
ROE	12.4% +4.0pp YoY -2.2pp QoQ	+0.2pp	12.2%	13.1%	11.6%	52%
Cost of Funds (YTD)	1.5% -0.1pp YoY 0.0pp QoQ	-0.2pp	1.7%	1.7%	1.7%	37%
Net Income ($, YTD)	$3.9M +64.2% YoY — QoQ	+$1.4M	$2.6M	$4.5M	$40.4M	80%

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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 (2)

Credit Risk Growth

risk

#111 of 936 • Bottom 11.8% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally

→ Stable -58 banks QoQ | QoQ rank improving

Credit Quality Pressure

risk

#517 of 1256 • Bottom 41.1% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 1.11%

(Tier: 0.92%, National: 0.98%)

worse than tier avg

1256 of 1256 Community banks match · 1820 nationally

→ Stable -71 banks QoQ | QoQ rank improving

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 2643 peers in $100M-$1B

Top Strengths (3 metrics)

524

Total Loans

size

Value: $410.18M

Peer Median: $258.35M

#524 of 2643 Top 19.8% in $100M-$1B

610

Total Deposits

size

Value: $471.76M

Peer Median: $326.73M

#610 of 2643 Top 23.0% in $100M-$1B

613

Total Assets

size

Value: $556.39M

Peer Median: $386.57M

#613 of 2643 Top 23.2% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available