BlastPoint's Banking Scorecard

Drake Bank

$100M-$1B Specialty: Commercial MN FDIC cert 57336

Saint Paul, 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 -9.5% year over year ($211.6M on the books).
Delinquency rate 4.63%.
Return on assets -1.24%.
Efficiency ratio 77.75% vs a 64.48% peer average.
Loan-to-deposit ratio 88.81% 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) →

Drake Bank faces 8 concerns requiring attention

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

No key strengths identified

Key Concerns

Areas that may need attention

- Capital Constraint: Bottom 0.1% in tier
- Capital Thin: Bottom 1.1% in tier
- Deposit Outflow: Bottom 9.3% in tier
- Return on Assets 2.56% below tier average
- Delinquency Rate 3.71% above tier average
- Nonperforming Asset Ratio 4.72% above tier average
- Net Interest Margin 0.37% below tier average
- Efficiency Ratio 13.27% above tier average

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Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Total Assets ?	$247.4M -9.4% YoY -4.8% QoQ	-$139.1M	$386.6M +1.2% YoY	$524.5M +5.8% YoY	$6.3B +7.7% YoY	36%
Total Loans ?	$187.9M -12.6% YoY -0.9% QoQ	-$70.5M	$258.3M +1.7% YoY	$300.2M +7.3% YoY	$3.2B +9.4% YoY	45%
Total Deposits ?	$211.6M -9.5% YoY -5.7% QoQ	-$115.2M	$326.7M +0.7% YoY	$452.1M +5.5% YoY	$4.9B +7.3% YoY	37%
Return on Assets ?	-1.24% -225.0% YoY +59.2% QoQ	-2.56%	1.32% +10.8% YoY	1.26% +17.2% YoY	1.30% +12.1% YoY	Bottom 1.1% in tier
Net Interest Margin ?	3.62% -9.2% YoY -0.0% QoQ	-0.37%	3.99% +5.0% YoY	4.00% +6.8% YoY	3.95% +4.9% YoY	33%
Efficiency Ratio ?	77.75% +20.1% YoY -0.1% QoQ	+13.27%	64.48% -3.2% YoY	63.00% -3.5% YoY	70.05% +2.5% YoY	17%
Delinquency Rate ?	4.63% +164.5% YoY +102.9% QoQ	+3.71%	0.92% +15.7% YoY	1.01% +19.3% YoY	0.98% +16.3% YoY	Bottom 2.9% in tier
Loan-to-Deposit Ratio ?	88.81% -3.4% YoY +5.1% QoQ	+10.86%	77.95% +1.0% YoY	78.29% -0.6% YoY	79.03% +2.3% YoY	29%
Non-Interest-Bearing Deposit Share ?	18.14% -5.2% YoY +5.4% QoQ	-3.89%	22.03% -0.6% YoY	21.79% +0.9% YoY	21.98% -0.6% YoY	37%
Nonperforming Asset Ratio ?	5.39% +291.1% YoY +56.3% QoQ	+4.72%	0.67% +16.4% YoY	0.76% +16.9% YoY	0.69% +15.8% YoY	Bottom 0.9% in tier
Tier 1 Capital Ratio ?	9.80% -9.2% YoY +3.2% QoQ	-6.11%	15.91% +1.4% YoY	15.35% -0.4% YoY	17.09% +0.8% YoY	Bottom 8.2% in tier
Non-Interest Income / Assets ?	0.21% -23.6% YoY +114.6% QoQ	-0.36%	0.57% +7.6% YoY	0.31% +3.9% YoY	0.66% +5.2% YoY	53%

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	18.1% -1.0pp YoY +0.9pp QoQ	-4.0pp	22.1%	21.9%	22.2%	37%
Brokered Deposits	20.2% -2.3pp YoY -2.0pp QoQ	+12.4pp	7.9%	8.3%	8.5%	91%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
C&I	37.2% -0.5pp YoY -0.2pp QoQ	+25.6pp	11.6%	14.6%	12.5%	98%
CRE	40.3% +2.1pp YoY -0.2pp QoQ	+0.7pp	39.5%	36.5%	41.4%	54%
1-4 Family	25.4% +0.2pp YoY +0.3pp QoQ	-7.2pp	32.6%	29.4%	31.3%	41%
Consumer	0.3% 0.0pp YoY -0.1pp QoQ	-3.9pp	4.1%	4.5%	5.0%	10%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
CET1 Ratio	9.8% -1.0pp YoY +0.3pp QoQ	-9.0pp	18.8%	16.5%	19.7%	2%
Leverage Ratio	7.3% -1.0pp YoY +0.3pp QoQ	-4.9pp	12.2%	11.0%	12.6%	0%
Total Capital Ratio	11.1% -1.0pp YoY +0.3pp QoQ	-8.9pp	19.9%	17.6%	20.8%	2%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Full-Time Employees	33 -3 (-8.3%) YoY -3 (-8.3%) QoQ	-26	58	55	482	31%
Assets per Employee ($)	$7.5M -1.2% YoY +3.9% QoQ	-$20K	$7.5M	$8.6M	$8.8M	61%
Branch Count	1 0 YoY 0 QoQ	-4	4	4	18	0%

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	4.6% +2.9pp YoY +2.3pp QoQ	+3.7pp	0.9%	1.0%	1.0%	97%
Allowance Coverage	0.67x -18.7% YoY -52.6% QoQ	-23.48x	24.15x	20.41x	20.23x	16%
Net Charge-off Rate (YTD)	0.7% +0.3pp YoY +0.3pp QoQ	+0.5pp	0.1%	0.2%	0.2%	95%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
ROE	-17.7% -31.0pp YoY +25.6pp QoQ	-29.9pp	12.2%	13.1%	11.6%	1%
Cost of Funds (YTD)	2.6% -0.1pp YoY 0.0pp QoQ	+0.9pp	1.7%	1.7%	1.7%	92%
Net Income ($, YTD)	$-1576000.0 -218.9% YoY — QoQ	-$4.1M	$2.6M	$4.5M	$40.4M	1%

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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)

Capital Constraint

risk

#1 of 107 • Bottom 0.1% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.

Why this signature

Loan-to-Deposit Ratio: 88.81%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

Tier 1 Capital Ratio: 9.80%

(Tier: 15.91%, National: 17.09%)

worse than tier avg

107 of 107 Community banks match · 143 nationally

→ Stable -5 banks QoQ

Capital Thin

risk

#8 of 661 • Bottom 1.1% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 9.80%

(Tier: 15.91%, National: 17.09%)

worse than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank declining

Deposit Outflow

decline

#51 of 535 • Bottom 9.3% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally

→ Stable +31 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 2643 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (5 metrics)

2621

Nonperforming Asset Ratio

credit_quality

Value: 5.39%

Peer Median: 0.67%

#2621 of 2643 Bottom 0.9% in $100M-$1B

2615

Return on Assets

profitability

Value: -1.24%

Peer Median: 1.32%

#2615 of 2643 Bottom 1.1% in $100M-$1B

2558

Delinquency Rate

credit_quality

Value: 4.63%

Peer Median: 0.92%

#2558 of 2633 Bottom 2.9% in $100M-$1B

2428

Tier 1 Capital Ratio

capital

Value: 9.80%

Peer Median: 15.91%

#2428 of 2643 Bottom 8.2% in $100M-$1B

2206

Efficiency Ratio

profitability

Value: 77.75%

Peer Median: 64.48%

#2206 of 2643 Bottom 16.6% in $100M-$1B