BlastPoint's Banking Scorecard
The First National Bank of Osakis
Designations: ✓ Community bank
Osakis, 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 536 banks in the under $100M peer group nationwide — 1 of 52 in MN.
- Deposits +6.1% year over year ($80.9M on the books).
- Delinquency rate 0.68%.
- Return on assets 1.12%.
- Efficiency ratio 70.82% vs a 119.40% peer average.
- Loan-to-deposit ratio 100.37% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The First National Bank of Osakis has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.12% above tier average
- + Efficiency Ratio 48.57% below tier average
- + Delinquency Rate 0.80% below tier average
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 26.16% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$97.6M
+3.0% YoY
+1.0% QoQ
|
+$35.1M |
$62.4M
-0.0% YoY
|
$524.5M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
Top 3.0% in tier |
| Total Loans ? |
$81.2M
+5.9% YoY
+2.0% QoQ
|
+$46.4M |
$34.9M
-0.6% YoY
|
$300.2M
+7.3% YoY
|
$3.2B
+9.4% YoY
|
Top 1.1% in tier |
| Total Deposits ? |
$80.9M
+6.1% YoY
+1.6% QoQ
|
+$29.3M |
$51.6M
-0.2% YoY
|
$452.1M
+5.5% YoY
|
$4.9B
+7.3% YoY
|
Top 8.2% in tier |
| Return on Assets ? |
1.12%
+22.6% YoY
-0.0% QoQ
|
+0.12% |
1.00%
+3.5% YoY
|
1.26%
+17.2% YoY
|
1.30%
+12.1% YoY
|
57% |
| Net Interest Margin ? |
3.95%
+13.1% YoY
+3.1% QoQ
|
+0.04% |
3.91%
+2.3% YoY
|
4.00%
+6.8% YoY
|
3.95%
+4.9% YoY
|
53% |
| Efficiency Ratio ? |
70.82%
-4.6% YoY
-0.5% QoQ
|
-48.57% |
119.40%
+49.6% YoY
|
63.00%
-3.5% YoY
|
70.05%
+2.5% YoY
|
50% |
| Delinquency Rate ? |
0.68%
+55.6% YoY
+61.7% QoQ
|
-0.80% |
1.48%
+31.8% YoY
|
1.01%
+19.3% YoY
|
0.98%
+16.3% YoY
|
44% |
| Loan-to-Deposit Ratio ? |
100.37%
-0.1% YoY
+0.3% QoQ
|
+26.16% |
74.21%
+12.6% YoY
|
78.29%
-0.6% YoY
|
79.03%
+2.3% YoY
|
Bottom 8.4% in tier |
| Non-Interest-Bearing Deposit Share ? |
19.14%
-15.4% YoY
-5.8% QoQ
|
-4.35% |
23.49%
+0.6% YoY
|
21.79%
+0.9% YoY
|
21.98%
-0.6% YoY
|
36% |
| Nonperforming Asset Ratio ? |
0.56%
+60.0% YoY
+63.2% QoQ
|
-0.27% |
0.84%
+23.0% YoY
|
0.76%
+16.9% YoY
|
0.69%
+15.8% YoY
|
36% |
| Tier 1 Capital Ratio ? |
10.77%
-1.0% YoY
-2.5% QoQ
|
-16.35% |
27.13%
+3.0% YoY
|
15.35%
-0.4% YoY
|
17.09%
+0.8% YoY
|
Bottom 11.4% in tier |
| Non-Interest Income / Assets ? |
0.16%
+10.6% YoY
+110.1% QoQ
|
-1.22% |
1.38%
+6.3% YoY
|
0.31%
+3.9% YoY
|
0.66%
+5.2% YoY
|
60% |
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 |
19.1%
-3.5pp YoY -1.2pp QoQ |
-5.5pp | 24.6% | 21.9% | 22.2% | 32% |
| Brokered Deposits | n/a | n/a | 9.8% | 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 |
8.0%
-0.4pp YoY -0.8pp QoQ |
-5.5pp | 13.4% | 14.6% | 12.5% | 39% |
| CRE |
27.5%
-0.8pp YoY 0.0pp QoQ |
+2.2pp | 25.2% | 36.5% | 41.4% | 67% |
| 1-4 Family |
39.7%
+0.7pp YoY +0.6pp QoQ |
+4.8pp | 35.0% | 29.4% | 31.3% | 62% |
| Consumer |
2.9%
-0.4pp YoY 0.0pp QoQ |
-4.8pp | 7.7% | 4.5% | 5.0% | 30% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
10.8%
-0.1pp YoY -0.3pp QoQ |
-27.9pp | 38.7% | 16.5% | 19.7% | 3% |
| Leverage Ratio |
8.7%
+0.1pp YoY -0.3pp QoQ |
-9.0pp | 17.7% | 11.0% | 12.6% | 7% |
| Total Capital Ratio |
11.7%
-0.1pp YoY -0.2pp QoQ |
-27.9pp | 39.7% | 17.6% | 20.8% | 3% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
11
+1 (+10.0%) YoY 0 QoQ |
-1 | 12 | 55 | 482 | 50% |
| Assets per Employee ($) |
$8.9M
-6.3% YoY +1.0% QoQ |
+$2.7M | $6.2M | $8.6M | $8.8M | 87% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 4 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | 0.3% | -0.7pp | 1.0% | 0.4% | 0.4% | 40% |
| Nonaccrual |
0.4%
0.0pp YoY 0.0pp QoQ |
-1.3pp | 1.7% | 1.0% | 1.0% | 35% |
| Allowance Coverage |
1.37x
-36.2% YoY -36.6% QoQ |
-5.04x | 6.41x | 20.41x | 20.23x | 51% |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 0.2% | 0.2% | 0.2% | 18% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
12.0%
+1.7pp YoY +0.1pp QoQ |
+5.6pp | 6.4% | 13.1% | 11.6% | 71% |
| Cost of Funds (YTD) |
2.0%
0.0pp YoY 0.0pp QoQ |
+0.6pp | 1.4% | 1.7% | 1.7% | 83% |
| Net Income ($, YTD) |
$541,000
+25.8% YoY — QoQ |
+$223K | $317,817 | $4.5M | $40.4M | 78% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.