BlastPoint's Banking Scorecard
First Resource Bank
Designations: ✓ Community bank
Lino Lakes, MN
8 branches across MN · WI
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 885 banks in the $1B-$10B peer group nationwide — 1 of 17 in MN.
- Deposits +48.5% year over year ($893.3M on the books).
- Delinquency rate 0.09%.
- Return on assets 0.90%.
- Efficiency ratio 64.16% vs a 59.73% peer average.
- Loan-to-deposit ratio 87.47% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
First Resource Bank has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.77% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.50% below tier average
- - Efficiency Ratio 4.43% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.1B
+47.4% YoY
+25.1% QoQ
|
-$1.7B |
$2.8B
-0.6% YoY
|
$524.5M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
Bottom 8.7% in tier |
| Total Loans ? |
$781.3M
+27.6% YoY
+11.4% QoQ
|
-$1.2B |
$2.0B
-0.3% YoY
|
$300.2M
+7.3% YoY
|
$3.2B
+9.4% YoY
|
Bottom 12.7% in tier |
| Total Deposits ? |
$893.3M
+48.5% YoY
+29.8% QoQ
|
-$1.4B |
$2.3B
-0.5% YoY
|
$452.1M
+5.5% YoY
|
$4.9B
+7.3% YoY
|
Bottom 7.1% in tier |
| Return on Assets ? |
0.90%
+13.0% YoY
+32.9% QoQ
|
-0.50% |
1.39%
+17.0% YoY
|
1.26%
+17.2% YoY
|
1.30%
+12.1% YoY
|
23% |
| Net Interest Margin ? |
3.88%
+10.8% YoY
+6.6% QoQ
|
+0.01% |
3.87%
+6.2% YoY
|
4.00%
+6.8% YoY
|
3.95%
+4.9% YoY
|
61% |
| Efficiency Ratio ? |
64.16%
+2.5% YoY
-4.2% QoQ
|
+4.43% |
59.73%
-12.6% YoY
|
63.00%
-3.5% YoY
|
70.05%
+2.5% YoY
|
34% |
| Delinquency Rate ? |
0.09%
-69.1% YoY
-71.3% QoQ
|
-0.77% |
0.87%
+11.7% YoY
|
1.01%
+19.3% YoY
|
0.98%
+16.3% YoY
|
Top 10.9% in tier |
| Loan-to-Deposit Ratio ? |
87.47%
-14.1% YoY
-14.2% QoQ
|
+2.43% |
85.04%
-0.1% YoY
|
78.29%
-0.6% YoY
|
79.03%
+2.3% YoY
|
49% |
| Non-Interest-Bearing Deposit Share ? |
17.68%
-6.6% YoY
-2.0% QoQ
|
-3.59% |
21.27%
-1.5% YoY
|
21.79%
+0.9% YoY
|
21.98%
-0.6% YoY
|
38% |
| Nonperforming Asset Ratio ? |
0.07%
-73.3% YoY
-74.5% QoQ
|
-0.61% |
0.67%
+11.7% YoY
|
0.76%
+16.9% YoY
|
0.69%
+15.8% YoY
|
Top 10.7% in tier |
| Tier 1 Capital Ratio ? |
11.62%
+10.5% YoY
-4.4% QoQ
|
-3.23% |
14.84%
-0.4% YoY
|
15.35%
-0.4% YoY
|
17.09%
+0.8% YoY
|
27% |
| Non-Interest Income / Assets ? |
0.11%
+19.4% YoY
+340.9% QoQ
|
-0.42% |
0.53%
+2.5% YoY
|
0.31%
+3.9% YoY
|
0.66%
+5.2% YoY
|
Bottom 11.1% in tier |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
17.7%
-1.2pp YoY -0.4pp QoQ |
-3.7pp | 21.4% | 21.9% | 22.2% | 38% |
| Brokered Deposits |
0.4%
-6.9pp YoY -0.1pp QoQ |
-9.1pp | 9.5% | 8.3% | 8.5% | 10% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
18.2%
-1.5pp YoY -1.7pp QoQ |
+4.2pp | 14.0% | 14.6% | 12.5% | 76% |
| CRE |
49.5%
+0.8pp YoY -0.4pp QoQ |
-0.6pp | 50.0% | 36.5% | 41.4% | 48% |
| 1-4 Family |
27.8%
+2.2pp YoY +2.4pp QoQ |
+1.3pp | 26.4% | 29.4% | 31.3% | 61% |
| Consumer |
1.1%
0.0pp YoY +0.3pp QoQ |
-3.6pp | 4.7% | 4.5% | 5.0% | 49% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
11.6%
+1.1pp YoY -0.5pp QoQ |
-4.0pp | 15.6% | 16.5% | 19.7% | 17% |
| Leverage Ratio |
8.3%
+0.2pp YoY -1.0pp QoQ |
-3.0pp | 11.3% | 11.0% | 12.6% | 4% |
| Total Capital Ratio |
12.8%
+1.0pp YoY -0.6pp QoQ |
-3.9pp | 16.7% | 17.6% | 20.8% | 18% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
112
+40 (+55.6%) YoY +35 (+45.5%) QoQ |
-202 | 313 | 55 | 482 | 11% |
| Assets per Employee ($) |
$9.7M
-5.3% YoY -14.0% QoQ |
-$798K | $10.5M | $8.6M | $8.8M | 63% |
| Branch Count |
8
+2 (+33.3%) YoY +2 (+33.3%) QoQ |
-12 | 20 | 4 | 18 | 20% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | 0.0% | -0.2pp | 0.2% | 0.4% | 0.4% | 4% |
| Nonaccrual |
0.1%
-0.2pp YoY -0.2pp QoQ |
-0.7pp | 0.8% | 1.0% | 1.0% | 10% |
| Allowance Coverage |
11.53x
+205.3% YoY +180.4% QoQ |
-7.18x | 18.71x | 20.41x | 20.23x | 90% |
| Net Charge-off Rate (YTD) |
0.6%
+0.6pp YoY |
+0.4pp | 0.3% | 0.2% | 0.2% | 94% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
10.1%
+0.9pp YoY +2.3pp QoQ |
-2.5pp | 12.6% | 13.1% | 11.6% | 34% |
| Cost of Funds (YTD) |
1.9%
-0.3pp YoY 0.0pp QoQ |
0.0pp | 1.9% | 1.7% | 1.7% | 48% |
| Net Income ($, YTD) |
$4.1M
+50.5% YoY — QoQ |
-$15.1M | $19.2M | $4.5M | $40.4M | 8% |
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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
See how this bank ranks across all tracked metrics compared to peers.