BlastPoint's Banking Scorecard
The First National Bank of Proctor
Designations: ✓ Community bank
Proctor, MN
The First National Bank of Proctor has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 11.71% below tier average
- + Delinquency Rate 1.32% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.26% below tier average
- - Net Interest Margin 0.49% below tier average
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
|
-$27.8M |
$62.3M
-0.5% YoY
|
$514.9M
+5.5% YoY
|
$6.2B
+9.0% YoY
|
15% |
| Total Loans ? |
$13.6M
-8.8% YoY
-1.7% QoQ
|
-$20.7M |
$34.3M
-1.5% YoY
|
$289.5M
+6.9% YoY
|
$3.2B
+10.7% YoY
|
16% |
| Total Deposits ? |
$31.6M
+3.0% YoY
+0.0% QoQ
|
-$20.2M |
$51.8M
-0.6% YoY
|
$445.6M
+5.0% YoY
|
$4.8B
+8.0% YoY
|
20% |
| Return on Assets ? |
0.59%
+5.2% YoY
+31.8% QoQ
|
-0.26% |
0.86%
-3.6% YoY
|
1.14%
+11.1% YoY
|
1.24%
+13.1% YoY
|
34% |
| Net Interest Margin ? |
3.38%
-2.2% YoY
-5.8% QoQ
|
-0.49% |
3.87%
+2.7% YoY
|
3.93%
+7.5% YoY
|
3.89%
+5.7% YoY
|
27% |
| Efficiency Ratio ? |
75.92%
-2.8% YoY
-8.3% QoQ
|
-11.71% |
87.63%
+2.3% YoY
|
64.52%
-3.4% YoY
|
66.84%
-3.8% YoY
|
43% |
| Delinquency Rate ? |
0.04%
-39.1% YoY
-15.2% QoQ
|
-1.32% |
1.36%
+33.7% YoY
|
1.04%
+28.5% YoY
|
0.95%
+18.8% YoY
|
70% |
| Loan-to-Deposit Ratio ? |
42.90%
-11.4% YoY
-1.7% QoQ
|
-21.21% |
64.11%
-0.9% YoY
|
76.74%
-0.5% YoY
|
76.69%
+0.9% YoY
|
77% |
| Non-Interest-Bearing Deposit Share ? |
27.25%
-7.4% YoY
-6.6% QoQ
|
+3.47% |
23.79%
+0.5% YoY
|
21.89%
-0.8% YoY
|
22.01%
-1.1% YoY
|
64% |
| Nonperforming Asset Ratio ? |
0.01%
-46.3% YoY
-16.6% QoQ
|
-0.76% |
0.77%
+28.7% YoY
|
0.77%
+26.8% YoY
|
0.66%
+19.3% YoY
|
69% |
| Tier 1 Capital Ratio ? |
24.95%
+10.7% YoY
+0.2% QoQ
|
-1.82% |
26.77%
+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
|
-0.64% |
0.67%
+1.6% YoY
|
0.15%
+3.6% YoY
|
0.32%
+4.0% YoY
|
27% |
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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.