BlastPoint's Banking Scorecard

Falcon National Bank

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

Foley, MN

6 branches across 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 -2.6% year over year ($768.7M on the books).
Delinquency rate 1.06%.
Return on assets 1.20%.
Efficiency ratio 61.03% vs a 64.48% peer average.
Loan-to-deposit ratio 95.19% 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) →

Falcon National Bank has 2 strengths but faces 4 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 0.58% above tier average
+ Efficiency Ratio 3.45% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 6.8% in tier
- Capital Thin: Bottom 6.8% in tier
- ROA 0.13% below tier average
- Delinquency Rate 0.14% above tier average

Get updates when Falcon National Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Total Assets ?	$872.3M -2.5% YoY -1.5% QoQ	+$485.7M	$386.6M +1.2% YoY	$524.5M +5.8% YoY	$6.3B +7.7% YoY	Top 4.7% in tier
Total Loans ?	$731.7M -2.6% YoY -0.7% QoQ	+$473.4M	$258.3M +1.7% YoY	$300.2M +7.3% YoY	$3.2B +9.4% YoY	Top 1.5% in tier
Total Deposits ?	$768.7M -2.6% YoY -2.1% QoQ	+$442.0M	$326.7M +0.7% YoY	$452.1M +5.5% YoY	$4.9B +7.3% YoY	Top 3.5% in tier
Return on Assets ?	1.20% +39.7% YoY +17.8% QoQ	-0.13%	1.32% +10.8% YoY	1.26% +17.2% YoY	1.30% +12.1% YoY	47%
Net Interest Margin ?	4.56% +9.8% YoY +3.3% QoQ	+0.58%	3.99% +5.0% YoY	4.00% +6.8% YoY	3.95% +4.9% YoY	82%
Efficiency Ratio ?	61.03% -4.3% YoY -1.0% QoQ	-3.45%	64.48% -3.2% YoY	63.00% -3.5% YoY	70.05% +2.5% YoY	54%
Delinquency Rate ?	1.06% +36.2% YoY -7.6% QoQ	+0.14%	0.92% +15.7% YoY	1.01% +19.3% YoY	0.98% +16.3% YoY	27%
Loan-to-Deposit Ratio ?	95.19% -0.0% YoY +1.4% QoQ	+17.24%	77.95% +1.0% YoY	78.29% -0.6% YoY	79.03% +2.3% YoY	16%
Non-Interest-Bearing Deposit Share ?	17.32% +12.5% YoY +10.3% QoQ	-4.71%	22.03% -0.6% YoY	21.79% +0.9% YoY	21.98% -0.6% YoY	33%
Nonperforming Asset Ratio ?	0.89% +31.0% YoY -27.3% QoQ	+0.22%	0.67% +16.4% YoY	0.76% +16.9% YoY	0.69% +15.8% YoY	23%
Tier 1 Capital Ratio ?	10.24% +0.6% YoY -0.4% QoQ	-5.67%	15.91% +1.4% YoY	15.35% -0.4% YoY	17.09% +0.8% YoY	Bottom 13.5% in tier
Non-Interest Income / Assets ?	0.18% +54.3% YoY +136.6% QoQ	-0.39%	0.57% +7.6% YoY	0.31% +3.9% YoY	0.66% +5.2% YoY	43%

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	17.3% +1.9pp YoY +1.6pp QoQ	-4.8pp	22.1%	21.9%	22.2%	33%
Brokered Deposits	2.8% -5.9pp YoY -1.0pp QoQ	-5.0pp	7.9%	8.3%	8.5%	37%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
C&I	35.2% -4.9pp YoY -1.5pp QoQ	+23.6pp	11.6%	14.6%	12.5%	97%
CRE	47.7% +6.2pp YoY +1.6pp QoQ	+8.2pp	39.5%	36.5%	41.4%	66%
1-4 Family	10.1% -0.3pp YoY -0.1pp QoQ	-22.5pp	32.6%	29.4%	31.3%	11%
Consumer	0.3% -0.1pp YoY 0.0pp 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	n/a	n/a	18.8%	16.5%	19.7%	n/a
Leverage Ratio	10.2% +0.1pp YoY 0.0pp QoQ	-1.9pp	12.2%	11.0%	12.6%	36%
Total Capital Ratio	n/a	n/a	19.9%	17.6%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Full-Time Employees	119 -6 (-4.8%) YoY -5 (-4.0%) QoQ	+60	58	55	482	92%
Assets per Employee ($)	$7.3M +2.4% YoY +2.6% QoQ	-$188K	$7.5M	$8.6M	$8.8M	58%
Branch Count	6 0 YoY 0 QoQ	+1	4	4	18	66%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Past Due 90+ Days	0.1% 0.0pp YoY 0.0pp QoQ	-0.3pp	0.3%	0.4%	0.4%	43%
Nonaccrual	1.0% +0.3pp YoY -0.1pp QoQ	+0.1pp	0.9%	1.0%	1.0%	71%
Allowance Coverage	1.77x -38.3% YoY +3.1% QoQ	-22.38x	24.15x	20.41x	20.23x	44%
Net Charge-off Rate (YTD)	0.6% +0.1pp 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	11.8% +2.2pp YoY +1.6pp QoQ	-0.4pp	12.2%	13.1%	11.6%	49%
Cost of Funds (YTD)	2.2% -0.3pp YoY 0.0pp QoQ	+0.5pp	1.7%	1.7%	1.7%	80%
Net Income ($, YTD)	$5.3M +33.8% YoY — QoQ	+$2.8M	$2.6M	$4.5M	$40.4M	89%

Get Full Access to Falcon National Bank

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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 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 (2)

Liquidity Strain

risk

#48 of 691 • Bottom 6.8% 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: 95.19%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

691 of 691 Community banks match · 1092 nationally

→ Stable +81 banks QoQ | QoQ rank declining

Capital Thin

risk

#46 of 661 • Bottom 6.8% 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: 10.24%

(Tier: 15.91%, National: 17.09%)

worse than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank declining

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 (4 metrics)

Total Loans

size

Value: $731.73M

Peer Median: $258.35M

#40 of 2643 Top 1.5% in $100M-$1B

Total Deposits

size

Value: $768.70M

Peer Median: $326.73M

#94 of 2643 Top 3.5% in $100M-$1B

125

Total Assets

size

Value: $872.31M

Peer Median: $386.57M

#125 of 2643 Top 4.7% in $100M-$1B

482

Net Interest Margin

profitability

Value: 4.56%

Peer Median: 3.99%

#482 of 2643 Top 18.2% in $100M-$1B

Top Weaknesses (3 metrics)

2288

Tier 1 Capital Ratio

capital

Value: 10.24%

Peer Median: 15.91%

#2288 of 2643 Bottom 13.5% in $100M-$1B

2221

Loan-to-Deposit Ratio

liquidity

Value: 95.19%

Peer Median: 77.95%

#2221 of 2643 Bottom 16.0% in $100M-$1B

2035

Nonperforming Asset Ratio

credit_quality

Value: 0.89%

Peer Median: 0.67%

#2035 of 2643 Bottom 23.0% in $100M-$1B