BlastPoint's Banking Scorecard
First National Bank Minnesota
Saint Peter, MN
4 branches across 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 +2.0% year over year ($373.1M on the books).
- Delinquency rate 1.13%.
- Return on assets 1.35%.
- Efficiency ratio 64.88% vs a 64.48% peer average.
- Loan-to-deposit ratio 86.96% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
First National Bank Minnesota has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.16% above tier average
Key Concerns
Areas that may need attention
- - Efficiency Ratio 0.40% above tier average
- - Delinquency Rate 0.22% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$437.8M
+0.4% YoY
+0.9% QoQ
|
+$51.2M |
$386.6M
+1.2% YoY
|
$524.5M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
66% |
| Total Loans ? |
$324.5M
+0.7% YoY
-0.6% QoQ
|
+$66.1M |
$258.3M
+1.7% YoY
|
$300.2M
+7.3% YoY
|
$3.2B
+9.4% YoY
|
71% |
| Total Deposits ? |
$373.1M
+2.0% YoY
+0.7% QoQ
|
+$46.4M |
$326.7M
+0.7% YoY
|
$452.1M
+5.5% YoY
|
$4.9B
+7.3% YoY
|
66% |
| Return on Assets ? |
1.35%
-2.6% QoQ
|
+0.03% |
1.32%
+10.8% YoY
|
1.26%
+17.2% YoY
|
1.30%
+12.1% YoY
|
56% |
| Net Interest Margin ? |
4.15%
+8.7% YoY
+2.5% QoQ
|
+0.16% |
3.99%
+5.0% YoY
|
4.00%
+6.8% YoY
|
3.95%
+4.9% YoY
|
62% |
| Efficiency Ratio ? |
64.88%
+1.7% YoY
+2.5% QoQ
|
+0.40% |
64.48%
-3.2% YoY
|
63.00%
-3.5% YoY
|
70.05%
+2.5% YoY
|
43% |
| Delinquency Rate ? |
1.13%
-16.7% YoY
-14.9% QoQ
|
+0.22% |
0.92%
+15.7% YoY
|
1.01%
+19.3% YoY
|
0.98%
+16.3% YoY
|
25% |
| Loan-to-Deposit Ratio ? |
86.96%
-1.2% YoY
-1.3% QoQ
|
+9.01% |
77.95%
+1.0% YoY
|
78.29%
-0.6% YoY
|
79.03%
+2.3% YoY
|
33% |
| Non-Interest-Bearing Deposit Share ? |
20.88%
+2.7% YoY
-0.5% QoQ
|
-1.15% |
22.03%
-0.6% YoY
|
21.79%
+0.9% YoY
|
21.98%
-0.6% YoY
|
49% |
| Nonperforming Asset Ratio ? |
0.84%
-30.8% YoY
-28.6% QoQ
|
+0.17% |
0.67%
+16.4% YoY
|
0.76%
+16.9% YoY
|
0.69%
+15.8% YoY
|
25% |
| Tier 1 Capital Ratio ? |
13.18%
+10.0% YoY
+1.3% QoQ
|
-2.73% |
15.91%
+1.4% YoY
|
15.35%
-0.4% YoY
|
17.09%
+0.8% YoY
|
50% |
| Non-Interest Income / Assets ? |
0.23%
-11.2% YoY
+61.9% QoQ
|
-0.34% |
0.57%
+7.6% YoY
|
0.31%
+3.9% YoY
|
0.66%
+5.2% YoY
|
58% |
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 |
20.9%
+0.5pp YoY -0.1pp QoQ |
-1.3pp | 22.1% | 21.9% | 22.2% | 49% |
| 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 |
12.9%
+1.1pp YoY 0.0pp QoQ |
+1.3pp | 11.6% | 14.6% | 12.5% | 68% |
| CRE |
43.0%
+0.7pp YoY -0.2pp QoQ |
+3.5pp | 39.5% | 36.5% | 41.4% | 58% |
| 1-4 Family |
24.7%
-0.4pp YoY +0.1pp QoQ |
-7.9pp | 32.6% | 29.4% | 31.3% | 40% |
| Consumer |
1.8%
0.0pp YoY -0.1pp QoQ |
-2.3pp | 4.1% | 4.5% | 5.0% | 45% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
13.2%
+1.2pp YoY +0.2pp QoQ |
-5.6pp | 18.8% | 16.5% | 19.7% | 30% |
| Leverage Ratio |
9.8%
+0.9pp YoY 0.0pp QoQ |
-2.4pp | 12.2% | 11.0% | 12.6% | 27% |
| Total Capital Ratio |
14.4%
+1.2pp YoY +0.2pp QoQ |
-5.5pp | 19.9% | 17.6% | 20.8% | 32% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
67
+4 (+6.3%) YoY +1 (+1.5%) QoQ |
+8 | 58 | 55 | 482 | 68% |
| Assets per Employee ($) |
$6.5M
-5.6% YoY -0.6% QoQ |
-$984K | $7.5M | $8.6M | $8.8M | 44% |
| Branch Count |
4
0 YoY 0 QoQ |
-1 | 4 | 4 | 18 | 42% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.4% | 0.4% | n/a |
| Nonaccrual |
1.1%
-0.2pp YoY -0.2pp QoQ |
+0.2pp | 0.9% | 1.0% | 1.0% | 74% |
| Allowance Coverage |
1.15x
+6.6% YoY +15.1% QoQ |
-23.00x | 24.15x | 20.41x | 20.23x | 31% |
| Net Charge-off Rate (YTD) |
0.2%
-1.8pp YoY -0.1pp QoQ |
0.0pp | 0.1% | 0.2% | 0.2% | 84% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
13.8%
+12.9pp YoY -0.4pp QoQ |
+1.6pp | 12.2% | 13.1% | 11.6% | 61% |
| Cost of Funds (YTD) |
1.3%
-0.1pp YoY 0.0pp QoQ |
-0.4pp | 1.7% | 1.7% | 1.7% | 25% |
| Net Income ($, YTD) |
$3.0M
+1585.9% YoY — QoQ |
+$429K | $2.6M | $4.5M | $40.4M | 70% |
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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.