BlastPoint

BlastPoint's Banking Scorecard

The First National Bank of Proctor

under $100M Specialty: Mortgage MN FDIC cert 5232

Designations: ✓ Community bank

Proctor, MN

541 banks in the under $100M peer group nationally 55 in MN
View under $100M leaderboard (MN) →

The First National Bank of Proctor has 2 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

  • + Efficiency Ratio 12.42% below tier average
  • + Delinquency Rate 1.34% below tier average

Key Concerns

Areas that may need attention

  • - ROA 0.24% below tier average
  • - Net Interest Margin 0.48% below tier average
Get updates when The First National Bank of Proctor releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Total Assets ? $34.5M
+3.5% YoY -0.0% QoQ
-$27.7M $62.2M
-0.6% YoY
$512.9M
+5.5% YoY
$6.2B
+9.1% YoY
15%
Total Loans ? $13.6M
-8.8% YoY -1.7% QoQ
-$20.7M $34.2M
-1.4% YoY
$288.3M
+6.9% YoY
$3.2B
+10.8% YoY
16%
Total Deposits ? $31.6M
+3.0% YoY +0.0% QoQ
-$20.1M $51.7M
-0.7% YoY
$443.8M
+5.0% YoY
$4.8B
+8.2% YoY
21%
Return on Assets ? 0.59%
+5.2% YoY +31.8% QoQ
-0.24% 0.84%
-2.3% YoY
1.13%
+10.7% YoY
1.23%
+13.4% YoY
34%
Net Interest Margin ? 3.38%
-2.2% YoY -5.8% QoQ
-0.48% 3.86%
+2.8% YoY
3.93%
+7.5% YoY
3.89%
+5.7% YoY
28%
Efficiency Ratio ? 75.92%
-2.8% YoY -8.3% QoQ
-12.42% 88.34%
+0.3% YoY
64.77%
-3.3% YoY
66.95%
-4.1% YoY
43%
Delinquency Rate ? 0.04%
-39.1% YoY -15.2% QoQ
-1.34% 1.37%
+33.8% YoY
1.04%
+28.9% YoY
0.95%
+18.8% YoY
69%
Loan-to-Deposit Ratio ? 42.90%
-11.4% YoY -1.7% QoQ
-21.32% 64.22%
-0.7% YoY
76.69%
-0.4% YoY
76.70%
+0.9% YoY
77%
Non-Interest-Bearing Deposit Share ? 27.25%
-7.4% YoY -6.6% QoQ
+3.54% 23.71%
+0.3% YoY
21.87%
-0.9% YoY
22.01%
-1.2% YoY
64%
Nonperforming Asset Ratio ? 0.01%
-46.3% YoY -16.6% QoQ
-0.77% 0.79%
+28.2% YoY
0.77%
+27.1% YoY
0.67%
+19.3% YoY
69%
Tier 1 Capital Ratio ? 24.95%
+10.7% YoY +0.2% QoQ
-1.73% 26.68%
+2.0% YoY
15.37%
+0.7% YoY
17.06%
+0.8% YoY
79%
Non-Interest Income / Assets ? 0.03%
-42.0% YoY -80.3% QoQ
-0.63% 0.67%
+1.9% YoY
0.16%
+5.0% YoY
0.32%
+4.1% YoY
27%

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 (0)

No matched concern signatures this quarter

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).
Comparing against 541 peers in under $100M

Top Strengths (2 metrics)

113
Tier 1 Capital Ratio
capital
Value: 24.95%
Peer Median: 26.68%
#113 of 541 Top 20.7% in under $100M
123
Loan-to-Deposit Ratio
liquidity
Value: 42.90%
Peer Median: 64.22%
#123 of 541 Top 22.6% in under $100M

Top Weaknesses (3 metrics)

459
Total Assets
size
Value: $34.51M
Peer Median: $62.16M
#459 of 541 Bottom 15.3% in under $100M
455
Total Loans
size
Value: $13.57M
Peer Median: $34.25M
#455 of 541 Bottom 16.1% in under $100M
431
Total Deposits
size
Value: $31.64M
Peer Median: $51.74M
#431 of 541 Bottom 20.5% in under $100M
Powered by BlastPoint © 2026