BlastPoint's Banking Scorecard

Minnesota National Bank

$100M-$1B Specialty: Commercial MN FDIC cert 5249

Sauk Centre, MN

3 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 +5.0% year over year ($253.9M on the books).
Delinquency rate 0.49%.
Return on assets 1.66%.
Efficiency ratio 59.61% vs a 64.48% peer average.
Loan-to-deposit ratio 93.84% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 151 in MN

View $100M-$1B leaderboard (MN) →

Minnesota National Bank has 4 strengths but faces 3 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

+ ROA 0.33% above tier average
+ Net Interest Margin 0.43% above tier average
+ Efficiency Ratio 4.86% below tier average
+ Delinquency Rate 0.43% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 21.7% in tier
- Credit Risk Growth: Bottom 25.1% in tier
- Credit Quality Pressure: Bottom 47.5% in tier

Get updates when Minnesota National Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Total Assets ?	$298.4M -2.1% YoY +4.4% QoQ	-$88.1M	$386.6M +1.2% YoY	$524.5M +5.8% YoY	$6.3B +7.7% YoY	46%
Total Loans ?	$238.3M +3.3% YoY +6.5% QoQ	-$20.1M	$258.3M +1.7% YoY	$300.2M +7.3% YoY	$3.2B +9.4% YoY	56%
Total Deposits ?	$253.9M +5.0% YoY +1.3% QoQ	-$72.8M	$326.7M +0.7% YoY	$452.1M +5.5% YoY	$4.9B +7.3% YoY	46%
Return on Assets ?	1.66% +19.5% YoY +7.3% QoQ	+0.33%	1.32% +10.8% YoY	1.26% +17.2% YoY	1.30% +12.1% YoY	74%
Net Interest Margin ?	4.41% +17.0% YoY +1.5% QoQ	+0.43%	3.99% +5.0% YoY	4.00% +6.8% YoY	3.95% +4.9% YoY	75%
Efficiency Ratio ?	59.61% -4.9% YoY -5.0% QoQ	-4.86%	64.48% -3.2% YoY	63.00% -3.5% YoY	70.05% +2.5% YoY	58%
Delinquency Rate ?	0.49% +234.4% YoY +17.4% QoQ	-0.43%	0.92% +15.7% YoY	1.01% +19.3% YoY	0.98% +16.3% YoY	46%
Loan-to-Deposit Ratio ?	93.84% -1.6% YoY +5.1% QoQ	+15.89%	77.95% +1.0% YoY	78.29% -0.6% YoY	79.03% +2.3% YoY	18%
Non-Interest-Bearing Deposit Share ?	14.23% -6.4% YoY -5.1% QoQ	-7.80%	22.03% -0.6% YoY	21.79% +0.9% YoY	21.98% -0.6% YoY	21%
Nonperforming Asset Ratio ?	0.39% +76.4% YoY +19.8% QoQ	-0.28%	0.67% +16.4% YoY	0.76% +16.9% YoY	0.69% +15.8% YoY	45%
Tier 1 Capital Ratio ?	11.55% +4.0% YoY -3.7% QoQ	-4.35%	15.91% +1.4% YoY	15.35% -0.4% YoY	17.09% +0.8% YoY	30%
Non-Interest Income / Assets ?	0.27% +3.2% YoY +98.9% QoQ	-0.29%	0.57% +7.6% YoY	0.31% +3.9% YoY	0.66% +5.2% YoY	67%

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	14.2% -1.0pp YoY -0.8pp QoQ	-7.9pp	22.1%	21.9%	22.2%	21%
Brokered Deposits	3.9% -0.2pp YoY -0.1pp QoQ	-3.9pp	7.9%	8.3%	8.5%	45%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
C&I	13.9% -1.4pp YoY +0.3pp QoQ	+2.3pp	11.6%	14.6%	12.5%	72%
CRE	37.4% -2.5pp YoY -0.2pp QoQ	-2.2pp	39.5%	36.5%	41.4%	48%
1-4 Family	33.9% +1.5pp YoY -1.1pp QoQ	+1.2pp	32.6%	29.4%	31.3%	59%
Consumer	3.0% -0.4pp YoY -0.4pp QoQ	-1.1pp	4.1%	4.5%	5.0%	60%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
CET1 Ratio	11.6% +0.4pp YoY -0.4pp QoQ	-7.3pp	18.8%	16.5%	19.7%	12%
Leverage Ratio	9.8% +1.0pp YoY +0.2pp QoQ	-2.4pp	12.2%	11.0%	12.6%	26%
Total Capital Ratio	12.6% +0.4pp YoY -0.5pp QoQ	-7.3pp	19.9%	17.6%	20.8%	12%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Full-Time Employees	53 +4 (+8.2%) YoY 0 QoQ	-6	58	55	482	56%
Assets per Employee ($)	$5.6M -9.5% YoY +4.4% QoQ	-$1.9M	$7.5M	$8.6M	$8.8M	25%
Branch Count	3 0 YoY 0 QoQ	-2	4	4	18	26%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Past Due 90+ Days	0.1% 0.0pp YoY +0.1pp QoQ	-0.2pp	0.3%	0.4%	0.4%	53%
Nonaccrual	0.4% +0.3pp YoY 0.0pp QoQ	-0.6pp	0.9%	1.0%	1.0%	46%
Allowance Coverage	2.17x -70.6% YoY -16.7% QoQ	-21.99x	24.15x	20.41x	20.23x	50%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.2%	0.2%	32%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
ROE	16.2% +0.6pp YoY +1.2pp QoQ	+4.0pp	12.2%	13.1%	11.6%	74%
Cost of Funds (YTD)	1.6% -0.4pp YoY 0.0pp QoQ	-0.1pp	1.7%	1.7%	1.7%	43%
Net Income ($, YTD)	$2.4M +14.8% YoY — QoQ	-$137K	$2.6M	$4.5M	$40.4M	60%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 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 (3)

Liquidity Strain

risk

#151 of 691 • Bottom 21.7% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 93.84%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

691 of 691 Community banks match · 1092 nationally

→ Stable +81 banks QoQ

Credit Risk Growth

risk

#236 of 936 • Bottom 25.1% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally

→ Stable -58 banks QoQ

Credit Quality Pressure

risk

#598 of 1256 • Bottom 47.5% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.49%

(Tier: 0.92%, National: 0.98%)

better than tier avg

1256 of 1256 Community banks match · 1820 nationally

→ Stable -71 banks QoQ | QoQ rank declining

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).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (1 metrics)

650

Net Interest Margin

profitability

Value: 4.41%

Peer Median: 3.99%

#650 of 2643 Top 24.6% in $100M-$1B

Top Weaknesses (2 metrics)

2158

Loan-to-Deposit Ratio

liquidity

Value: 93.84%

Peer Median: 77.95%

#2158 of 2643 Bottom 18.4% in $100M-$1B

2079

Non-Interest-Bearing Deposit Share

funding

Value: 14.23%

Peer Median: 22.03%

#2079 of 2643 Bottom 21.4% in $100M-$1B