BlastPoint's Banking Scorecard

First National Bank North

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

Walker, MN

10 branches across MN

2664 banks in the $100M-$1B peer group nationally 152 in 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 25.1% in tier
+ Profitability Leader: Top 29.9% in tier
+ Net Interest Margin 0.51% above tier average
+ Efficiency Ratio 16.47% below tier average
+ Delinquency Rate 0.69% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 22.1% in tier
- Credit Risk Growth: Bottom 35.3% in tier
- Liquidity Overhang: Bottom 38.2% in tier

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Total Assets ?	$840.1M +8.2% YoY -0.6% QoQ	+$454.0M	$386.1M +0.5% YoY	$512.9M +5.5% YoY	$6.2B +9.1% YoY	Top 6.5% in tier
Total Loans ?	$613.5M +8.7% YoY +1.1% QoQ	+$357.8M	$255.7M +1.1% YoY	$288.3M +6.9% YoY	$3.2B +10.8% YoY	Top 5.4% in tier
Total Deposits ?	$735.0M +7.9% YoY -1.4% QoQ	+$407.0M	$328.0M +0.1% YoY	$443.8M +5.0% YoY	$4.8B +8.2% YoY	Top 5.1% in tier
Return on Assets ?	2.51% +7.8% YoY +0.2% QoQ	+1.24%	1.27% +12.9% YoY	1.13% +10.7% YoY	1.23% +13.4% YoY	Top 4.5% in tier
Net Interest Margin ?	4.44% +2.7% YoY -2.8% QoQ	+0.51%	3.93% +6.0% YoY	3.93% +7.5% YoY	3.89% +5.7% YoY	80%
Efficiency Ratio ?	48.82% -4.7% YoY -1.3% QoQ	-16.47%	65.29% -4.5% YoY	64.77% -3.3% YoY	66.95% -4.1% YoY	Top 14.0% in tier
Delinquency Rate ?	0.20% +154.9% YoY +73.5% QoQ	-0.69%	0.89% +18.8% YoY	1.04% +28.9% YoY	0.95% +18.8% YoY	65%
Loan-to-Deposit Ratio ?	83.48% +0.7% YoY +2.6% QoQ	+6.84%	76.64% +0.8% YoY	76.69% -0.4% YoY	76.70% +0.9% YoY	38%
Non-Interest-Bearing Deposit Share ?	17.32% +0.4% YoY -7.2% QoQ	-4.70%	22.02% -1.0% YoY	21.87% -0.9% YoY	22.01% -1.2% YoY	33%
Nonperforming Asset Ratio ?	0.15% +170.5% YoY +86.5% QoQ	-0.48%	0.64% +19.7% YoY	0.77% +27.1% YoY	0.67% +19.3% YoY	64%
Tier 1 Capital Ratio ?	18.50% +0.5% YoY +3.4% QoQ	+2.67%	15.83% +1.5% YoY	15.37% +0.7% YoY	17.06% +0.8% YoY	82%
Non-Interest Income / Assets ?	0.20% +5.5% YoY -71.9% QoQ	-0.08%	0.28% +9.3% YoY	0.16% +5.0% YoY	0.32% +4.1% YoY	Top 14.7% in tier

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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

#168 of 666 • Top 25.1% 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: 0.20%

(Tier: 0.28%, National: 0.32%)

but worse than tier avg

Return on Assets: 2.51%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Profitability Leader

growth

#200 of 666 • Top 29.9% in tier

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

Why this signature

Return on Assets: 2.51%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

Concerns (3)

Credit Quality Pressure

risk

#290 of 1308 • Bottom 22.1% in tier

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

Why this signature

Delinquency Rate: 0.20%

(Tier: 0.89%, National: 0.95%)

better than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 banks QoQ | QoQ rank declining

Credit Risk Growth

risk

#345 of 973 • Bottom 35.3% in tier

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

973 of 973 Community banks match · 1464 nationally

→ Stable -10 banks QoQ | QoQ rank improving

Liquidity Overhang

risk

#283 of 739 • Bottom 38.2% 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: 18.50%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 83.48%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

739 of 739 Community banks match · 939 nationally

→ Stable +13 banks QoQ | QoQ rank improving

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 2664 peers in $100M-$1B

Top Strengths (8 metrics)

120

Return on Assets

profitability

Value: 2.51%

Peer Median: 1.27%

#120 of 2664 Top 4.5% in $100M-$1B

137

Total Deposits

size

Value: $734.96M

Peer Median: $327.97M

#137 of 2664 Top 5.1% in $100M-$1B

144

Total Loans

size

Value: $613.54M

Peer Median: $255.72M

#144 of 2664 Top 5.4% in $100M-$1B

173

Total Assets

size

Value: $840.05M

Peer Median: $386.08M

#173 of 2664 Top 6.5% in $100M-$1B

374

Efficiency Ratio

profitability

Value: 48.82%

Peer Median: 65.29%

#374 of 2664 Top 14.0% in $100M-$1B

392

Non-Interest Income / Assets

revenue_mix

Value: 0.20%

Peer Median: 0.28%

#392 of 2664 Top 14.7% in $100M-$1B

469

Tier 1 Capital Ratio

capital

Value: 18.50%

Peer Median: 15.83%

#469 of 2664 Top 17.6% in $100M-$1B

539

Net Interest Margin

profitability

Value: 4.44%

Peer Median: 3.93%

#539 of 2664 Top 20.2% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available