BlastPoint's Banking Scorecard

Ameriprise Bank, FSB

$10B-$250B Specialty: Mortgage MN FDIC cert 58303

Minneapolis, MN

2 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 139 banks in the $10B-$250B peer group nationwide — 1 of 1 in MN.
Deposits +6.4% year over year ($23.9B on the books).
Delinquency rate 0.19%.
Return on assets 3.05%.
Efficiency ratio 9.99% vs a 53.67% peer average.
Loan-to-deposit ratio 10.94% vs a 82.61% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

139 banks in the $10B-$250B peer group nationally 1 in MN

View $10B-$250B leaderboard (MN) →

Ameriprise Bank, FSB has 5 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

+ Profitability Leader: Top 31.4% in tier
+ Efficiency Ratio 43.68% below tier average
+ Delinquency Rate 0.83% below tier average
+ Nonperforming Asset Ratio 0.71% below tier average
+ Net Interest Margin 0.52% above tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 4.5% in tier
- Liquidity Overhang: Bottom 50.0% in tier
- Non-Interest-Bearing Deposit Share 20.58% below tier average
- Non-Interest Income / Assets 0.46% below tier average

Get updates when Ameriprise Bank, FSB releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Total Assets ?	$25.5B +6.1% YoY -0.1% QoQ	-$18.1B	$43.6B -13.8% YoY	$524.5M +5.8% YoY	$6.3B +7.7% YoY	53%
Total Loans ?	$2.6B +72.2% YoY +14.9% QoQ	-$25.3B	$28.0B -8.6% YoY	$300.2M +7.3% YoY	$3.2B +9.4% YoY	Bottom 2.2% in tier
Total Deposits ?	$23.9B +6.4% YoY +0.7% QoQ	-$11.5B	$35.4B -14.0% YoY	$452.1M +5.5% YoY	$4.9B +7.3% YoY	59%
Return on Assets ?	3.05% -1.5% YoY -0.2% QoQ	+1.66%	1.39% +25.9% YoY	1.26% +17.2% YoY	1.30% +12.1% YoY	Top 2.2% in tier
Net Interest Margin ?	4.44% -1.4% YoY +0.6% QoQ	+0.52%	3.92% +8.9% YoY	4.00% +6.8% YoY	3.95% +4.9% YoY	Top 14.4% in tier
Efficiency Ratio ?	9.99% +3.1% YoY +3.3% QoQ	-43.68%	53.67% -1.9% YoY	63.00% -3.5% YoY	70.05% +2.5% YoY	Top 0.7% in tier
Delinquency Rate ?	0.19% +9.6% YoY +5.0% QoQ	-0.83%	1.01% -2.8% YoY	1.01% +19.3% YoY	0.98% +16.3% YoY	Top 8.0% in tier
Loan-to-Deposit Ratio ?	10.94% +61.8% YoY +14.1% QoQ	-71.67%	82.61% +3.1% YoY	78.29% -0.6% YoY	79.03% +2.3% YoY	Top 1.4% in tier
Non-Interest-Bearing Deposit Share ?	0.00% -11.1% YoY -91.5% QoQ	-20.58%	20.58% +4.9% YoY	21.79% +0.9% YoY	21.98% -0.6% YoY	Bottom 2.9% in tier
Nonperforming Asset Ratio ?	0.02% +77.8% YoY +20.8% QoQ	-0.71%	0.73% +5.8% YoY	0.76% +16.9% YoY	0.69% +15.8% YoY	Top 2.9% in tier
Tier 1 Capital Ratio ?	30.38% -13.0% YoY -2.6% QoQ	+15.03%	15.35% -0.4% YoY	15.35% -0.4% YoY	17.09% +0.8% YoY	Top 4.3% in tier
Non-Interest Income / Assets ?	0.04% +3.5% YoY +105.4% QoQ	-0.46%	0.50% +10.5% YoY	0.31% +3.9% YoY	0.66% +5.2% YoY	Bottom 4.3% in tier

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	0.0% 0.0pp YoY 0.0pp QoQ	-21.0pp	21.0%	21.9%	22.2%	0%
Brokered Deposits	n/a	n/a	9.2%	8.3%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
C&I	9.8% -1.6pp YoY +0.3pp QoQ	-7.4pp	17.2%	14.6%	12.5%	22%
CRE	n/a	n/a	42.0%	36.5%	41.4%	n/a
1-4 Family	41.2% +4.9pp YoY +1.5pp QoQ	+18.1pp	23.1%	29.4%	31.3%	93%
Consumer	43.2% -9.8pp YoY -0.9pp QoQ	+30.3pp	12.9%	4.5%	5.0%	90%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
CET1 Ratio	30.4% -4.5pp YoY -0.8pp QoQ	+15.1pp	15.3%	16.5%	19.7%	95%
Leverage Ratio	7.4% -0.2pp YoY +0.1pp QoQ	-3.0pp	10.4%	11.0%	12.6%	3%
Total Capital Ratio	30.6% -4.5pp YoY -0.8pp QoQ	+14.1pp	16.5%	17.6%	20.8%	95%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Full-Time Employees	186 +21 (+12.7%) YoY +3 (+1.6%) QoQ	-3,072	3,258	55	482	4%
Assets per Employee ($)	$137.0M -5.8% YoY -1.7% QoQ	+$110.0M	$27.0M	$8.6M	$8.8M	96%
Branch Count	2 0 YoY 0 QoQ	-136	137	4	18	15%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% 0.0pp YoY 0.0pp QoQ	-0.4pp	0.4%	0.4%	0.4%	50%
Nonaccrual	0.1% 0.0pp YoY 0.0pp QoQ	-0.6pp	0.7%	1.0%	1.0%	10%
Allowance Coverage	2.49x -40.3% YoY -9.4% QoQ	-0.32x	2.81x	20.41x	20.23x	71%
Net Charge-off Rate (YTD)	0.1% -0.1pp YoY 0.0pp QoQ	-0.3pp	0.4%	0.2%	0.2%	42%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
ROE	51.0% -5.3pp YoY +0.6pp QoQ	+38.3pp	12.6%	13.1%	11.6%	99%
Cost of Funds (YTD)	0.2% -0.1pp YoY 0.0pp QoQ	-1.8pp	2.0%	1.7%	1.7%	1%
Net Income ($, YTD)	$388.4M +4.7% YoY — QoQ	+$91.6M	$296.8M	$4.5M	$40.4M	78%

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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 (1)

Profitability Leader

growth

#12 of 35 • Top 31.4% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 3.05%

(Tier: 1.39%, National: 1.30%)

better than tier avg

35 of 35 Large banks match · 923 nationally

→ Stable | QoQ rank declining

Concerns (2)

Credit Quality Pressure

risk

#4 of 67 • Bottom 4.5% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.19%

(Tier: 1.01%, National: 0.98%)

better than tier avg

67 of 67 Large banks match · 1820 nationally

→ Stable -71 banks QoQ

Liquidity Overhang

risk

#12 of 22 • Bottom 50.0% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 30.38%

(Tier: 15.35%, National: 17.09%)

better than tier avg

Loan-to-Deposit Ratio: 10.94%

(Tier: 82.61%, National: 79.03%)

better than tier avg

22 of 22 Large banks match · 940 nationally

→ Stable +7 banks QoQ

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 139 peers in $10B-$250B

Top Strengths (7 metrics)

Efficiency Ratio

profitability

Value: 9.99%

Peer Median: 53.67%

#2 of 139 Top 0.7% in $10B-$250B

Loan-to-Deposit Ratio

liquidity

Value: 10.94%

Peer Median: 82.61%

#3 of 139 Top 1.4% in $10B-$250B

Return on Assets

profitability

Value: 3.05%

Peer Median: 1.39%

#4 of 139 Top 2.2% in $10B-$250B

Nonperforming Asset Ratio

credit_quality

Value: 0.02%

Peer Median: 0.73%

#5 of 139 Top 2.9% in $10B-$250B

Tier 1 Capital Ratio

capital

Value: 30.38%

Peer Median: 15.35%

#7 of 139 Top 4.3% in $10B-$250B

Delinquency Rate

credit_quality

Value: 0.19%

Peer Median: 1.01%

#12 of 138 Top 8.0% in $10B-$250B

Net Interest Margin

profitability

Value: 4.44%

Peer Median: 3.92%

#21 of 139 Top 14.4% in $10B-$250B

Top Weaknesses (3 metrics)

137

Total Loans

size

Value: $2.62B

Peer Median: $27.97B

#137 of 139 Bottom 2.2% in $10B-$250B

136

Non-Interest-Bearing Deposit Share

funding

Value: 0.00%

Peer Median: 20.58%

#136 of 139 Bottom 2.9% in $10B-$250B

134

Non-Interest Income / Assets

revenue_mix

Value: 0.04%

Peer Median: 0.50%

#134 of 139 Bottom 4.3% in $10B-$250B