BlastPoint's Banking Scorecard
First Resource Bank
Lino Lakes, MN
8 branches across MN · WI
First Resource Bank has 1 strength but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.56% below tier average
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 25.29% above tier average
- - Non-Interest Income / Assets 0.26% below tier average
- - ROA 0.60% below tier average
- - Net Interest Margin 0.29% below tier average
- - Efficiency Ratio 1.70% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$866.9M
+25.7% YoY
+4.9% QoQ
|
+$480.8M |
$386.1M
+0.5% YoY
|
$512.9M
+5.5% YoY
|
$6.2B
+9.1% YoY
|
Top 5.0% in tier |
| Total Loans ? |
$701.7M
+24.7% YoY
+3.8% QoQ
|
+$445.9M |
$255.7M
+1.1% YoY
|
$288.3M
+6.9% YoY
|
$3.2B
+10.8% YoY
|
Top 2.3% in tier |
| Total Deposits ? |
$688.4M
+23.7% YoY
+0.0% QoQ
|
+$360.4M |
$328.0M
+0.1% YoY
|
$443.8M
+5.0% YoY
|
$4.8B
+8.2% YoY
|
Top 7.4% in tier |
| Return on Assets ? |
0.67%
-10.4% YoY
+3.2% QoQ
|
-0.60% |
1.27%
+12.9% YoY
|
1.13%
+10.7% YoY
|
1.23%
+13.4% YoY
|
20% |
| Net Interest Margin ? |
3.64%
+8.6% YoY
+1.9% QoQ
|
-0.29% |
3.93%
+6.0% YoY
|
3.93%
+7.5% YoY
|
3.89%
+5.7% YoY
|
37% |
| Efficiency Ratio ? |
66.98%
+5.3% YoY
+7.7% QoQ
|
+1.70% |
65.29%
-4.5% YoY
|
64.77%
-3.3% YoY
|
66.95%
-4.1% YoY
|
40% |
| Delinquency Rate ? |
0.32%
-1.1% YoY
-41.8% QoQ
|
-0.56% |
0.89%
+18.8% YoY
|
1.04%
+28.9% YoY
|
0.95%
+18.8% YoY
|
56% |
| Loan-to-Deposit Ratio ? |
101.93%
+0.8% YoY
+3.8% QoQ
|
+25.29% |
76.64%
+0.8% YoY
|
76.69%
-0.4% YoY
|
76.70%
+0.9% YoY
|
Bottom 6.9% in tier |
| Non-Interest-Bearing Deposit Share ? |
18.04%
-0.8% YoY
+0.8% QoQ
|
-3.98% |
22.02%
-1.0% YoY
|
21.87%
-0.9% YoY
|
22.01%
-1.2% YoY
|
36% |
| Nonperforming Asset Ratio ? |
0.26%
-1.9% YoY
-44.3% QoQ
|
-0.38% |
0.64%
+19.7% YoY
|
0.77%
+27.1% YoY
|
0.67%
+19.3% YoY
|
54% |
| Tier 1 Capital Ratio ? |
12.15%
+9.2% YoY
+19.6% QoQ
|
-3.68% |
15.83%
+1.5% YoY
|
15.37%
+0.7% YoY
|
17.06%
+0.8% YoY
|
37% |
| Non-Interest Income / Assets ? |
0.02%
-28.8% YoY
-87.6% QoQ
|
-0.26% |
0.28%
+9.3% YoY
|
0.16%
+5.0% YoY
|
0.32%
+4.1% YoY
|
Bottom 5.7% in tier |
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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 (0)
Metric Rankings
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