BlastPoint's Banking Scorecard

Community Bank Owatonna

$100M-$1B Specialty: Commercial MN FDIC cert 57468

Owatonna, 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 +9.6% year over year ($94.7M on the books).
Delinquency rate 0.42%.
Return on assets 0.81%.
Efficiency ratio 67.21% vs a 64.48% peer average.
Loan-to-deposit ratio 76.56% 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) →

Community Bank Owatonna has 1 strength 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

+ Delinquency Rate 0.50% below tier average

Key Concerns

Areas that may need attention

- ROA 0.52% below tier average
- Net Interest Margin 0.31% below tier average
- Efficiency Ratio 2.73% above tier average

Get updates when Community Bank Owatonna releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Total Assets ?	$103.3M +9.8% YoY +2.8% QoQ	-$283.3M	$386.6M +1.2% YoY	$524.5M +5.8% YoY	$6.3B +7.7% YoY	Bottom 0.7% in tier
Total Loans ?	$72.5M +12.2% YoY -0.3% QoQ	-$185.9M	$258.3M +1.7% YoY	$300.2M +7.3% YoY	$3.2B +9.4% YoY	Bottom 7.7% in tier
Total Deposits ?	$94.7M +9.6% YoY +2.6% QoQ	-$232.1M	$326.7M +0.7% YoY	$452.1M +5.5% YoY	$4.9B +7.3% YoY	Bottom 4.0% in tier
Return on Assets ?	0.81% +101.5% YoY -4.1% QoQ	-0.52%	1.32% +10.8% YoY	1.26% +17.2% YoY	1.30% +12.1% YoY	24%
Net Interest Margin ?	3.67% +22.7% YoY +4.8% QoQ	-0.31%	3.99% +5.0% YoY	4.00% +6.8% YoY	3.95% +4.9% YoY	36%
Efficiency Ratio ?	67.21% -13.0% YoY +2.4% QoQ	+2.73%	64.48% -3.2% YoY	63.00% -3.5% YoY	70.05% +2.5% YoY	36%
Delinquency Rate ?	0.42% +9.3% QoQ	-0.50%	0.92% +15.7% YoY	1.01% +19.3% YoY	0.98% +16.3% YoY	50%
Loan-to-Deposit Ratio ?	76.56% +2.4% YoY -2.9% QoQ	-1.39%	77.95% +1.0% YoY	78.29% -0.6% YoY	79.03% +2.3% YoY	56%
Non-Interest-Bearing Deposit Share ?	17.90% +5.2% YoY -3.2% QoQ	-4.13%	22.03% -0.6% YoY	21.79% +0.9% YoY	21.98% -0.6% YoY	36%
Nonperforming Asset Ratio ?	0.30% +932.0% YoY +5.9% QoQ	-0.37%	0.67% +16.4% YoY	0.76% +16.9% YoY	0.69% +15.8% YoY	52%
Tier 1 Capital Ratio ?	11.20% +2.9% YoY +1.1% QoQ	-4.71%	15.91% +1.4% YoY	15.35% -0.4% YoY	17.09% +0.8% YoY	26%
Non-Interest Income / Assets ?	0.12% -8.9% YoY +101.0% QoQ	-0.45%	0.57% +7.6% YoY	0.31% +3.9% YoY	0.66% +5.2% YoY	25%

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	17.9% +0.9pp YoY -0.6pp QoQ	-4.2pp	22.1%	21.9%	22.2%	36%
Brokered Deposits	6.6% +4.5pp YoY -0.2pp QoQ	-1.3pp	7.9%	8.3%	8.5%	61%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
C&I	15.3% -0.7pp YoY +0.8pp QoQ	+3.7pp	11.6%	14.6%	12.5%	77%
CRE	29.2% +0.7pp YoY 0.0pp QoQ	-10.3pp	39.5%	36.5%	41.4%	33%
1-4 Family	49.6% +1.7pp YoY -0.1pp QoQ	+17.0pp	32.6%	29.4%	31.3%	82%
Consumer	2.1% +0.1pp YoY +0.3pp QoQ	-2.0pp	4.1%	4.5%	5.0%	50%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
CET1 Ratio	11.2% +0.3pp YoY +0.1pp QoQ	-7.6pp	18.8%	16.5%	19.7%	10%
Leverage Ratio	8.0% +0.3pp YoY -0.5pp QoQ	-4.2pp	12.2%	11.0%	12.6%	2%
Total Capital Ratio	12.2% +0.4pp YoY +0.1pp QoQ	-7.8pp	19.9%	17.6%	20.8%	8%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Full-Time Employees	13 +1 (+8.3%) YoY 0 QoQ	-46	58	55	482	2%
Assets per Employee ($)	$7.9M +1.4% YoY +2.8% QoQ	+$425K	$7.5M	$8.6M	$8.8M	67%
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	0.2%	-0.1pp	0.3%	0.4%	0.4%	71%
Nonaccrual	0.2% -0.2pp QoQ	-0.8pp	0.9%	1.0%	1.0%	28%
Allowance Coverage	2.34x -5.0% QoQ	-21.81x	24.15x	20.41x	20.23x	52%
Net Charge-off Rate (YTD)	n/a	n/a	0.1%	0.2%	0.2%	n/a

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
ROE	11.6% +5.1pp YoY -0.6pp QoQ	-0.6pp	12.2%	13.1%	11.6%	47%
Cost of Funds (YTD)	2.2% -0.2pp YoY 0.0pp QoQ	+0.5pp	1.7%	1.7%	1.7%	81%
Net Income ($, YTD)	$406,000 +116.0% YoY — QoQ	-$2.1M	$2.6M	$4.5M	$40.4M	9%

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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 (0)

No matched concern signatures this quarter

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 (4 metrics)

2625

Total Assets

size

Value: $103.26M

Peer Median: $386.57M

#2625 of 2643 Bottom 0.7% in $100M-$1B

2538

Total Deposits

size

Value: $94.65M

Peer Median: $326.73M

#2538 of 2643 Bottom 4.0% in $100M-$1B

2440

Total Loans

size

Value: $72.47M

Peer Median: $258.35M

#2440 of 2643 Bottom 7.7% in $100M-$1B

2021

Return on Assets

profitability

Value: 0.81%

Peer Median: 1.32%

#2021 of 2643 Bottom 23.6% in $100M-$1B