BlastPoint's Banking Scorecard
Drake Bank
Saint Paul, MN
Drake Bank faces 7 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 0.5% in tier
- - Deposit Outflow: Bottom 11.3% in tier
- - Return on Assets 4.31% below tier average
- - Delinquency Rate 1.40% above tier average
- - Nonperforming Asset Ratio 2.81% above tier average
- - Net Interest Margin 0.31% below tier average
- - Efficiency Ratio 12.51% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$259.8M
-5.5% YoY
+2.0% QoQ
|
-$126.3M |
$386.1M
+0.5% YoY
|
$512.9M
+5.5% YoY
|
$6.2B
+9.1% YoY
|
39% |
| Total Loans ? |
$189.6M
-11.9% YoY
-3.5% QoQ
|
-$66.2M |
$255.7M
+1.1% YoY
|
$288.3M
+6.9% YoY
|
$3.2B
+10.8% YoY
|
46% |
| Total Deposits ? |
$224.2M
-5.0% YoY
+4.0% QoQ
|
-$103.7M |
$328.0M
+0.1% YoY
|
$443.8M
+5.0% YoY
|
$4.8B
+8.2% YoY
|
40% |
| Return on Assets ? |
-3.04%
-383.3% YoY
|
-4.31% |
1.27%
+12.9% YoY
|
1.13%
+10.7% YoY
|
1.23%
+13.4% YoY
|
Bottom 0.5% in tier |
| Net Interest Margin ? |
3.62%
-10.4% YoY
-5.9% QoQ
|
-0.31% |
3.93%
+6.0% YoY
|
3.93%
+7.5% YoY
|
3.89%
+5.7% YoY
|
36% |
| Efficiency Ratio ? |
77.80%
+14.0% YoY
+14.3% QoQ
|
+12.51% |
65.29%
-4.5% YoY
|
64.77%
-3.3% YoY
|
66.95%
-4.1% YoY
|
18% |
| Delinquency Rate ? |
2.28%
+48.2% YoY
-19.5% QoQ
|
+1.40% |
0.89%
+18.8% YoY
|
1.04%
+28.9% YoY
|
0.95%
+18.8% YoY
|
Bottom 9.9% in tier |
| Loan-to-Deposit Ratio ? |
84.54%
-7.3% YoY
-7.2% QoQ
|
+7.90% |
76.64%
+0.8% YoY
|
76.69%
-0.4% YoY
|
76.70%
+0.9% YoY
|
36% |
| Non-Interest-Bearing Deposit Share ? |
17.22%
-7.0% YoY
-3.2% QoQ
|
-4.80% |
22.02%
-1.0% YoY
|
21.87%
-0.9% YoY
|
22.01%
-1.2% YoY
|
33% |
| Nonperforming Asset Ratio ? |
3.45%
+90.9% YoY
-13.9% QoQ
|
+2.81% |
0.64%
+19.7% YoY
|
0.77%
+27.1% YoY
|
0.67%
+19.3% YoY
|
Bottom 2.1% in tier |
| Tier 1 Capital Ratio ? |
9.50%
-9.1% YoY
-9.9% QoQ
|
-6.33% |
15.83%
+1.5% YoY
|
15.37%
+0.7% YoY
|
17.06%
+0.8% YoY
|
Bottom 4.4% in tier |
| Non-Interest Income / Assets ? |
0.10%
-33.9% YoY
-80.4% QoQ
|
-0.18% |
0.28%
+9.3% YoY
|
0.16%
+5.0% YoY
|
0.32%
+4.1% YoY
|
50% |
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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 (2)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.