BlastPoint's Banking Scorecard

First National Bank North

$100M-$1B Specialty: Commercial MN FDIC cert 5269

Walker, MN

10 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 +7.8% year over year ($756.3M on the books).
Delinquency rate 0.23%.
Return on assets 2.54%.
Efficiency ratio 48.72% vs a 64.48% peer average.
Loan-to-deposit ratio 84.08% 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) →

First National Bank North has 5 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

+ Revenue Diversifier: Top 27.2% in tier
+ Profitability Leader: Top 32.4% in tier
+ Net Interest Margin 0.52% above tier average
+ Efficiency Ratio 15.76% below tier average
+ Delinquency Rate 0.68% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 22.0% in tier
- Liquidity Overhang: Bottom 40.0% in tier
- Credit Risk Growth: Bottom 46.9% in tier

Get updates when First National Bank North releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Total Assets ?	$864.3M +8.1% YoY +2.9% QoQ	+$477.7M	$386.6M +1.2% YoY	$524.5M +5.8% YoY	$6.3B +7.7% YoY	Top 5.1% in tier
Total Loans ?	$635.9M +10.5% YoY +3.6% QoQ	+$377.6M	$258.3M +1.7% YoY	$300.2M +7.3% YoY	$3.2B +9.4% YoY	Top 4.7% in tier
Total Deposits ?	$756.3M +7.8% YoY +2.9% QoQ	+$429.5M	$326.7M +0.7% YoY	$452.1M +5.5% YoY	$4.9B +7.3% YoY	Top 4.1% in tier
Return on Assets ?	2.54% +5.0% YoY +1.3% QoQ	+1.22%	1.32% +10.8% YoY	1.26% +17.2% YoY	1.30% +12.1% YoY	Top 4.4% in tier
Net Interest Margin ?	4.50% +0.9% YoY +1.4% QoQ	+0.52%	3.99% +5.0% YoY	4.00% +6.8% YoY	3.95% +4.9% YoY	80%
Efficiency Ratio ?	48.72% -3.6% YoY -0.2% QoQ	-15.76%	64.48% -3.2% YoY	63.00% -3.5% YoY	70.05% +2.5% YoY	Top 14.4% in tier
Delinquency Rate ?	0.23% +94.4% YoY +17.6% QoQ	-0.68%	0.92% +15.7% YoY	1.01% +19.3% YoY	0.98% +16.3% YoY	63%
Loan-to-Deposit Ratio ?	84.08% +2.4% YoY +0.7% QoQ	+6.13%	77.95% +1.0% YoY	78.29% -0.6% YoY	79.03% +2.3% YoY	40%
Non-Interest-Bearing Deposit Share ?	19.39% +1.0% YoY +12.0% QoQ	-2.64%	22.03% -0.6% YoY	21.79% +0.9% YoY	21.98% -0.6% YoY	43%
Nonperforming Asset Ratio ?	0.18% +107.9% YoY +17.3% QoQ	-0.49%	0.67% +16.4% YoY	0.76% +16.9% YoY	0.69% +15.8% YoY	62%
Tier 1 Capital Ratio ?	18.13% -1.8% YoY -2.0% QoQ	+2.22%	15.91% +1.4% YoY	15.35% -0.4% YoY	17.09% +0.8% YoY	81%
Non-Interest Income / Assets ?	0.38% +7.2% YoY +94.6% QoQ	-0.18%	0.57% +7.6% YoY	0.31% +3.9% YoY	0.66% +5.2% YoY	83%

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	19.4% +0.2pp YoY +2.1pp QoQ	-2.8pp	22.1%	21.9%	22.2%	42%
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	8.0% -0.1pp YoY -0.4pp QoQ	-3.6pp	11.6%	14.6%	12.5%	40%
CRE	31.3% -2.0pp YoY -1.0pp QoQ	-8.2pp	39.5%	36.5%	41.4%	37%
1-4 Family	52.7% +3.0pp YoY +1.5pp QoQ	+20.1pp	32.6%	29.4%	31.3%	85%
Consumer	9.1% -1.2pp YoY -0.2pp QoQ	+5.0pp	4.1%	4.5%	5.0%	91%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
CET1 Ratio	18.1% -0.3pp YoY -0.4pp QoQ	-0.7pp	18.8%	16.5%	19.7%	70%
Leverage Ratio	12.1% +0.1pp YoY +0.2pp QoQ	0.0pp	12.2%	11.0%	12.6%	66%
Total Capital Ratio	19.4% -0.3pp YoY -0.4pp QoQ	-0.5pp	19.9%	17.6%	20.8%	71%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Full-Time Employees	123 0 YoY +1 (+0.8%) QoQ	+64	58	55	482	94%
Assets per Employee ($)	$7.0M +8.1% YoY +2.1% QoQ	-$491K	$7.5M	$8.6M	$8.8M	52%
Branch Count	10 0 YoY 0 QoQ	+5	4	4	18	90%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Past Due 90+ Days	0.1% 0.0pp YoY 0.0pp QoQ	-0.2pp	0.3%	0.4%	0.4%	45%
Nonaccrual	0.2% +0.1pp YoY 0.0pp QoQ	-0.8pp	0.9%	1.0%	1.0%	26%
Allowance Coverage	6.69x -50.9% YoY -16.6% QoQ	-17.46x	24.15x	20.41x	20.23x	76%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.2%	0.2%	54%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
ROE	21.6% +0.5pp YoY +0.1pp QoQ	+9.4pp	12.2%	13.1%	11.6%	91%
Cost of Funds (YTD)	1.8% 0.0pp YoY 0.0pp QoQ	+0.1pp	1.7%	1.7%	1.7%	56%
Net Income ($, YTD)	$10.8M +13.3% YoY — QoQ	+$8.2M	$2.6M	$4.5M	$40.4M	99%

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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 (2)

Revenue Diversifier

growth

#181 of 661 • Top 27.2% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.38%

(Tier: 0.57%, National: 0.66%)

but worse than tier avg

Return on Assets: 2.54%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank declining

Profitability Leader

growth

#215 of 661 • Top 32.4% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 2.54%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank declining

Concerns (3)

Credit Quality Pressure

risk

#277 of 1256 • Bottom 22.0% in tier

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

Why this signature

Delinquency Rate: 0.23%

(Tier: 0.92%, National: 0.98%)

better than tier avg

1256 of 1256 Community banks match · 1820 nationally

→ Stable -71 banks QoQ | QoQ rank improving

Liquidity Overhang

risk

#298 of 742 • Bottom 40.0% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 18.13%

(Tier: 15.91%, National: 17.09%)

better than tier avg

Loan-to-Deposit Ratio: 84.08%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

742 of 742 Community banks match · 940 nationally

→ Stable +7 banks QoQ | QoQ rank declining

Credit Risk Growth

risk

#440 of 936 • Bottom 46.9% 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 | 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 (8 metrics)

110

Total Deposits

size

Value: $756.28M

Peer Median: $326.73M

#110 of 2643 Top 4.1% in $100M-$1B

117

Return on Assets

profitability

Value: 2.54%

Peer Median: 1.32%

#117 of 2643 Top 4.4% in $100M-$1B

124

Total Loans

size

Value: $635.91M

Peer Median: $258.35M

#124 of 2643 Top 4.7% in $100M-$1B

136

Total Assets

size

Value: $864.31M

Peer Median: $386.57M

#136 of 2643 Top 5.1% in $100M-$1B

382

Efficiency Ratio

profitability

Value: 48.72%

Peer Median: 64.48%

#382 of 2643 Top 14.4% in $100M-$1B

438

Non-Interest Income / Assets

revenue_mix

Value: 0.38%

Peer Median: 0.57%

#438 of 2643 Top 16.5% in $100M-$1B

491

Tier 1 Capital Ratio

capital

Value: 18.13%

Peer Median: 15.91%

#491 of 2643 Top 18.5% in $100M-$1B

530

Net Interest Margin

profitability

Value: 4.50%

Peer Median: 3.99%

#530 of 2643 Top 20.0% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available