BlastPoint's Banking Scorecard
The Citizens National Bank of Park Rapids
Park Rapids, 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 +2.5% year over year ($348.1M on the books).
- Delinquency rate 1.12%.
- Return on assets 1.93%.
- Efficiency ratio 51.66% vs a 64.48% peer average.
- Loan-to-deposit ratio 88.42% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The Citizens National Bank of Park Rapids has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 48.1% in tier
- + Net Interest Margin 0.37% above tier average
- + Efficiency Ratio 12.82% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 0.20% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$397.0M
+3.1% YoY
+4.5% QoQ
|
+$10.4M |
$386.6M
+1.2% YoY
|
$524.5M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
61% |
| Total Loans ? |
$307.7M
+9.5% YoY
+4.2% QoQ
|
+$49.4M |
$258.3M
+1.7% YoY
|
$300.2M
+7.3% YoY
|
$3.2B
+9.4% YoY
|
69% |
| Total Deposits ? |
$348.1M
+2.5% YoY
+5.2% QoQ
|
+$21.3M |
$326.7M
+0.7% YoY
|
$452.1M
+5.5% YoY
|
$4.9B
+7.3% YoY
|
63% |
| Return on Assets ? |
1.93%
+16.3% YoY
-7.9% QoQ
|
+0.60% |
1.32%
+10.8% YoY
|
1.26%
+17.2% YoY
|
1.30%
+12.1% YoY
|
85% |
| Net Interest Margin ? |
4.35%
+10.4% YoY
+1.4% QoQ
|
+0.37% |
3.99%
+5.0% YoY
|
4.00%
+6.8% YoY
|
3.95%
+4.9% YoY
|
73% |
| Efficiency Ratio ? |
51.66%
-5.6% YoY
+1.7% QoQ
|
-12.82% |
64.48%
-3.2% YoY
|
63.00%
-3.5% YoY
|
70.05%
+2.5% YoY
|
80% |
| Delinquency Rate ? |
1.12%
+398.6% YoY
+74.9% QoQ
|
+0.20% |
0.92%
+15.7% YoY
|
1.01%
+19.3% YoY
|
0.98%
+16.3% YoY
|
25% |
| Loan-to-Deposit Ratio ? |
88.42%
+6.9% YoY
-0.9% QoQ
|
+10.46% |
77.95%
+1.0% YoY
|
78.29%
-0.6% YoY
|
79.03%
+2.3% YoY
|
30% |
| Non-Interest-Bearing Deposit Share ? |
16.26%
-5.8% YoY
-4.6% QoQ
|
-5.77% |
22.03%
-0.6% YoY
|
21.79%
+0.9% YoY
|
21.98%
-0.6% YoY
|
29% |
| Nonperforming Asset Ratio ? |
0.87%
+362.9% YoY
+65.9% QoQ
|
+0.20% |
0.67%
+16.4% YoY
|
0.76%
+16.9% YoY
|
0.69%
+15.8% YoY
|
24% |
| Tier 1 Capital Ratio ? |
11.70%
+1.2% YoY
-4.8% QoQ
|
-4.21% |
15.91%
+1.4% YoY
|
15.35%
-0.4% YoY
|
17.09%
+0.8% YoY
|
32% |
| Non-Interest Income / Assets ? |
0.19%
+2.1% YoY
+114.5% QoQ
|
-0.38% |
0.57%
+7.6% YoY
|
0.31%
+3.9% YoY
|
0.66%
+5.2% YoY
|
46% |
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 |
16.3%
-1.0pp YoY -0.8pp QoQ |
-5.9pp | 22.1% | 21.9% | 22.2% | 28% |
| 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 |
7.7%
-0.7pp YoY -1.0pp QoQ |
-3.9pp | 11.6% | 14.6% | 12.5% | 38% |
| CRE |
35.4%
-0.8pp YoY -0.5pp QoQ |
-4.1pp | 39.5% | 36.5% | 41.4% | 44% |
| 1-4 Family |
43.4%
+1.9pp YoY +0.2pp QoQ |
+10.8pp | 32.6% | 29.4% | 31.3% | 75% |
| Consumer |
4.7%
-0.8pp YoY -0.1pp QoQ |
+0.6pp | 4.1% | 4.5% | 5.0% | 76% |
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 |
11.7%
+0.1pp YoY -0.6pp QoQ |
-0.5pp | 12.2% | 11.0% | 12.6% | 61% |
| 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 |
49
0 YoY -1 (-2.0%) QoQ |
-10 | 58 | 55 | 482 | 52% |
| Assets per Employee ($) |
$8.1M
+3.1% YoY +6.6% QoQ |
+$584K | $7.5M | $8.6M | $8.8M | 69% |
| Branch Count |
1
0 YoY 0 QoQ |
-4 | 4 | 4 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.7%
+0.7pp YoY +0.5pp QoQ |
+0.3pp | 0.3% | 0.4% | 0.4% | 87% |
| Nonaccrual |
0.4%
+0.2pp YoY 0.0pp QoQ |
-0.5pp | 0.9% | 1.0% | 1.0% | 50% |
| Allowance Coverage |
1.46x
-80.6% YoY -44.7% QoQ |
-22.69x | 24.15x | 20.41x | 20.23x | 38% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.2% | 0.2% | 64% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
16.3%
+1.8pp YoY -1.1pp QoQ |
+4.1pp | 12.2% | 13.1% | 11.6% | 74% |
| Cost of Funds (YTD) |
1.8%
-0.1pp YoY 0.0pp QoQ |
+0.1pp | 1.7% | 1.7% | 1.7% | 57% |
| Net Income ($, YTD) |
$3.7M
+22.9% YoY — QoQ |
+$1.1M | $2.6M | $4.5M | $40.4M | 77% |
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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.