BlastPoint's Banking Scorecard
Community Bank Owatonna
Owatonna, MN
Community Bank Owatonna has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.50% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 46.6% in tier
- - ROA 0.43% below tier average
- - Net Interest Margin 0.42% below tier average
- - Efficiency Ratio 0.35% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$100.4M
+6.0% YoY
+2.1% QoQ
|
-$285.6M |
$386.1M
+0.5% YoY
|
$512.9M
+5.5% YoY
|
$6.2B
+9.1% YoY
|
Bottom 0.3% in tier |
| Total Loans ? |
$72.7M
+11.1% YoY
+1.9% QoQ
|
-$183.0M |
$255.7M
+1.1% YoY
|
$288.3M
+6.9% YoY
|
$3.2B
+10.8% YoY
|
Bottom 8.4% in tier |
| Total Deposits ? |
$92.2M
+5.7% YoY
+2.1% QoQ
|
-$235.7M |
$328.0M
+0.1% YoY
|
$443.8M
+5.0% YoY
|
$4.8B
+8.2% YoY
|
Bottom 3.4% in tier |
| Return on Assets ? |
0.84%
+159.8% YoY
+33.1% QoQ
|
-0.43% |
1.27%
+12.9% YoY
|
1.13%
+10.7% YoY
|
1.23%
+13.4% YoY
|
28% |
| Net Interest Margin ? |
3.51%
+23.2% YoY
+9.9% QoQ
|
-0.42% |
3.93%
+6.0% YoY
|
3.93%
+7.5% YoY
|
3.89%
+5.7% YoY
|
31% |
| Efficiency Ratio ? |
65.64%
-17.1% YoY
-5.2% QoQ
|
+0.35% |
65.29%
-4.5% YoY
|
64.77%
-3.3% YoY
|
66.95%
-4.1% YoY
|
43% |
| Delinquency Rate ? |
0.39%
-1.9% QoQ
|
-0.50% |
0.89%
+18.8% YoY
|
1.04%
+28.9% YoY
|
0.95%
+18.8% YoY
|
52% |
| Loan-to-Deposit Ratio ? |
78.83%
+5.1% YoY
-0.2% QoQ
|
+2.19% |
76.64%
+0.8% YoY
|
76.69%
-0.4% YoY
|
76.70%
+0.9% YoY
|
49% |
| Non-Interest-Bearing Deposit Share ? |
18.50%
+3.7% YoY
+2.4% QoQ
|
-3.52% |
22.02%
-1.0% YoY
|
21.87%
-0.9% YoY
|
22.01%
-1.2% YoY
|
38% |
| Nonperforming Asset Ratio ? |
0.28%
+881.8% YoY
-2.1% QoQ
|
-0.36% |
0.64%
+19.7% YoY
|
0.77%
+27.1% YoY
|
0.67%
+19.3% YoY
|
52% |
| Tier 1 Capital Ratio ? |
11.08%
+4.0% YoY
+1.9% QoQ
|
-4.75% |
15.83%
+1.5% YoY
|
15.37%
+0.7% YoY
|
17.06%
+0.8% YoY
|
24% |
| Non-Interest Income / Assets ? |
0.06%
-7.2% YoY
-84.0% QoQ
|
-0.22% |
0.28%
+9.3% YoY
|
0.16%
+5.0% YoY
|
0.32%
+4.1% YoY
|
25% |
Get Full Access to Community Bank Owatonna
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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 (1)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.