BlastPoint's Banking Scorecard
The First National Bank of Osakis
Designations: ✓ Community bank
Osakis, MN
The First National Bank of Osakis has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.29% above tier average
- + Efficiency Ratio 17.14% below tier average
- + Delinquency Rate 0.95% below tier average
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 35.81% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$96.6M
+3.0% YoY
+1.5% QoQ
|
+$34.4M |
$62.2M
-0.6% YoY
|
$512.9M
+5.5% YoY
|
$6.2B
+9.1% YoY
|
Top 4.4% in tier |
| Total Loans ? |
$79.7M
+6.6% YoY
+3.4% QoQ
|
+$45.4M |
$34.2M
-1.4% YoY
|
$288.3M
+6.9% YoY
|
$3.2B
+10.8% YoY
|
Top 0.9% in tier |
| Total Deposits ? |
$79.7M
+4.5% YoY
+2.3% QoQ
|
+$27.9M |
$51.7M
-0.7% YoY
|
$443.8M
+5.0% YoY
|
$4.8B
+8.2% YoY
|
Top 9.4% in tier |
| Return on Assets ? |
1.12%
+18.8% YoY
-1.5% QoQ
|
+0.29% |
0.84%
-2.3% YoY
|
1.13%
+10.7% YoY
|
1.23%
+13.4% YoY
|
59% |
| Net Interest Margin ? |
3.83%
+13.3% YoY
+3.3% QoQ
|
-0.03% |
3.86%
+2.8% YoY
|
3.93%
+7.5% YoY
|
3.89%
+5.7% YoY
|
51% |
| Efficiency Ratio ? |
71.20%
-1.9% YoY
+2.2% QoQ
|
-17.14% |
88.34%
+0.3% YoY
|
64.77%
-3.3% YoY
|
66.95%
-4.1% YoY
|
50% |
| Delinquency Rate ? |
0.42%
-38.3% YoY
-31.2% QoQ
|
-0.95% |
1.37%
+33.8% YoY
|
1.04%
+28.9% YoY
|
0.95%
+18.8% YoY
|
50% |
| Loan-to-Deposit Ratio ? |
100.03%
+2.0% YoY
+1.1% QoQ
|
+35.81% |
64.22%
-0.7% YoY
|
76.69%
-0.4% YoY
|
76.70%
+0.9% YoY
|
Bottom 7.0% in tier |
| Non-Interest-Bearing Deposit Share ? |
20.32%
-8.9% YoY
-5.2% QoQ
|
-3.40% |
23.71%
+0.3% YoY
|
21.87%
-0.9% YoY
|
22.01%
-1.2% YoY
|
39% |
| Nonperforming Asset Ratio ? |
0.34%
-36.1% YoY
-29.9% QoQ
|
-0.44% |
0.79%
+28.2% YoY
|
0.77%
+27.1% YoY
|
0.67%
+19.3% YoY
|
45% |
| Tier 1 Capital Ratio ? |
11.04%
-4.0% YoY
-4.6% QoQ
|
-15.64% |
26.68%
+2.0% YoY
|
15.37%
+0.7% YoY
|
17.06%
+0.8% YoY
|
Bottom 13.1% in tier |
| Non-Interest Income / Assets ? |
0.08%
+9.1% YoY
-74.0% QoQ
|
-0.59% |
0.67%
+1.9% YoY
|
0.16%
+5.0% YoY
|
0.32%
+4.1% YoY
|
59% |
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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.