BlastPoint's Banking Scorecard
The First State Bank of Red Wing
Designations: ✓ Community bank
Red Wing, MN
3 branches across MN
The First State Bank of Red Wing has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.28% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.23% below tier average
- - ROA 0.93% below tier average
- - Efficiency Ratio 14.84% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$84.9M
+2.6% YoY
-0.9% QoQ
|
+$22.7M |
$62.3M
-0.5% YoY
|
$514.9M
+5.5% YoY
|
$6.2B
+9.0% YoY
|
78% |
| Total Loans ? |
$34.3M
+3.6% YoY
-1.8% QoQ
|
-$23K |
$34.3M
-1.5% YoY
|
$289.5M
+6.9% YoY
|
$3.2B
+10.7% YoY
|
53% |
| Total Deposits ? |
$82.0M
+1.1% YoY
-0.5% QoQ
|
+$30.1M |
$51.8M
-0.6% YoY
|
$445.6M
+5.0% YoY
|
$4.8B
+8.0% YoY
|
Top 6.1% in tier |
| Return on Assets ? |
-0.07%
+77.2% YoY
-139.0% QoQ
|
-0.93% |
0.86%
-3.6% YoY
|
1.14%
+11.1% YoY
|
1.24%
+13.1% YoY
|
Bottom 14.0% in tier |
| Net Interest Margin ? |
2.64%
+12.5% YoY
+2.9% QoQ
|
-1.23% |
3.87%
+2.7% YoY
|
3.93%
+7.5% YoY
|
3.89%
+5.7% YoY
|
Bottom 8.9% in tier |
| Efficiency Ratio ? |
102.46%
-9.2% YoY
+10.2% QoQ
|
+14.84% |
87.63%
+2.3% YoY
|
64.52%
-3.4% YoY
|
66.84%
-3.8% YoY
|
Bottom 12.5% in tier |
| Delinquency Rate ? |
1.08%
-18.8% YoY
+1.8% QoQ
|
-0.28% |
1.36%
+33.7% YoY
|
1.04%
+28.5% YoY
|
0.95%
+18.8% YoY
|
34% |
| Loan-to-Deposit Ratio ? |
41.80%
+2.5% YoY
-1.3% QoQ
|
-22.31% |
64.11%
-0.9% YoY
|
76.74%
-0.5% YoY
|
76.69%
+0.9% YoY
|
79% |
| Non-Interest-Bearing Deposit Share ? |
20.49%
+17.0% YoY
+4.8% QoQ
|
-3.30% |
23.79%
+0.5% YoY
|
21.89%
-0.8% YoY
|
22.01%
-1.1% YoY
|
40% |
| Nonperforming Asset Ratio ? |
0.44%
-18.0% YoY
+1.0% QoQ
|
-0.34% |
0.77%
+28.7% YoY
|
0.77%
+26.8% YoY
|
0.66%
+19.3% YoY
|
41% |
| Tier 1 Capital Ratio ? |
21.14%
+1.6% YoY
+2.6% QoQ
|
-5.64% |
26.77%
+2.0% YoY
|
15.37%
+0.7% YoY
|
17.06%
+0.8% YoY
|
72% |
| Non-Interest Income / Assets ? |
0.04%
+3.8% YoY
-74.6% QoQ
|
-0.63% |
0.67%
+1.6% YoY
|
0.15%
+3.6% YoY
|
0.32%
+4.0% YoY
|
31% |
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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.