BlastPoint's Banking Scorecard

Falcon National Bank

$100M-$1B Specialty: Commercial MN FDIC cert 57603

Foley, MN

6 branches across MN

2664 banks in the $100M-$1B peer group nationally 152 in MN

Falcon National Bank has 2 strengths but faces 6 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

+ Net Interest Margin 0.49% above tier average
+ Efficiency Ratio 3.64% below tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 3.2% in tier
- Liquidity Strain: Bottom 7.0% in tier
- Capital Constraint: Bottom 13.9% in tier
- Deposit Outflow: Bottom 29.2% in tier
- ROA 0.25% below tier average
- Delinquency Rate 0.26% above tier average

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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 ?	$885.7M -4.1% YoY -3.8% QoQ	+$499.6M	$386.1M +0.5% YoY	$512.9M +5.5% YoY	$6.2B +9.1% YoY	Top 4.4% in tier
Total Loans ?	$737.1M -2.8% YoY -0.6% QoQ	+$481.4M	$255.7M +1.1% YoY	$288.3M +6.9% YoY	$3.2B +10.8% YoY	Top 1.3% in tier
Total Deposits ?	$785.6M -5.3% YoY -4.3% QoQ	+$457.6M	$328.0M +0.1% YoY	$443.8M +5.0% YoY	$4.8B +8.2% YoY	Top 3.1% in tier
Return on Assets ?	1.01% +33.7% YoY +15.3% QoQ	-0.25%	1.27% +12.9% YoY	1.13% +10.7% YoY	1.23% +13.4% YoY	39%
Net Interest Margin ?	4.42% +12.7% YoY +4.0% QoQ	+0.49%	3.93% +6.0% YoY	3.93% +7.5% YoY	3.89% +5.7% YoY	79%
Efficiency Ratio ?	61.64% -4.3% YoY -3.3% QoQ	-3.64%	65.29% -4.5% YoY	64.77% -3.3% YoY	66.95% -4.1% YoY	55%
Delinquency Rate ?	1.15% +22.8% YoY -23.3% QoQ	+0.26%	0.89% +18.8% YoY	1.04% +28.9% YoY	0.95% +18.8% YoY	25%
Loan-to-Deposit Ratio ?	93.83% +2.7% YoY +3.8% QoQ	+17.20%	76.64% +0.8% YoY	76.69% -0.4% YoY	76.70% +0.9% YoY	17%
Non-Interest-Bearing Deposit Share ?	15.70% +2.3% YoY +1.3% QoQ	-6.32%	22.02% -1.0% YoY	21.87% -0.9% YoY	22.01% -1.2% YoY	26%
Nonperforming Asset Ratio ?	1.22% +53.7% YoY +1.5% QoQ	+0.59%	0.64% +19.7% YoY	0.77% +27.1% YoY	0.67% +19.3% YoY	15%
Tier 1 Capital Ratio ?	10.28% +11.0% YoY +2.7% QoQ	-5.55%	15.83% +1.5% YoY	15.37% +0.7% YoY	17.06% +0.8% YoY	Bottom 13.4% in tier
Non-Interest Income / Assets ?	0.07% +70.3% YoY -64.9% QoQ	-0.21%	0.28% +9.3% YoY	0.16% +5.0% YoY	0.32% +4.1% YoY	35%

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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 (4)

Capital Thin

risk

#22 of 666 • Bottom 3.2% 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: 10.28%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

Liquidity Strain

risk

#46 of 643 • Bottom 7.0% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 93.83%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank declining

Capital Constraint

risk

#16 of 108 • Bottom 13.9% 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: 93.83%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

Tier 1 Capital Ratio: 10.28%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

108 of 108 Community banks match · 148 nationally

↑ Growing +19 banks QoQ | QoQ rank declining

Deposit Outflow

decline

#149 of 506 • Bottom 29.2% in tier

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

506 of 506 Community banks match · 656 nationally

→ Stable -8 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 (4 metrics)

Total Loans

size

Value: $737.13M

Peer Median: $255.72M

#35 of 2664 Top 1.3% in $100M-$1B

Total Deposits

size

Value: $785.56M

Peer Median: $327.97M

#83 of 2664 Top 3.1% in $100M-$1B

118

Total Assets

size

Value: $885.73M

Peer Median: $386.08M

#118 of 2664 Top 4.4% in $100M-$1B

565

Net Interest Margin

profitability

Value: 4.42%

Peer Median: 3.93%

#565 of 2664 Top 21.2% in $100M-$1B

Top Weaknesses (3 metrics)

2309

Tier 1 Capital Ratio

capital

Value: 10.28%

Peer Median: 15.83%

#2309 of 2664 Bottom 13.4% in $100M-$1B

2261

Nonperforming Asset Ratio

credit_quality

Value: 1.22%

Peer Median: 0.64%

#2261 of 2664 Bottom 15.2% in $100M-$1B

2217

Loan-to-Deposit Ratio

liquidity

Value: 93.83%

Peer Median: 76.64%

#2217 of 2664 Bottom 16.8% in $100M-$1B