BlastPoint's Banking Scorecard

The First State Bank of Red Wing

under $100M Specialty: Other MN FDIC cert 8191

Designations: ✓ Community bank

Red Wing, MN

3 branches across MN

541 banks in the under $100M peer group nationally 55 in MN

The First State Bank of Red Wing has 1 strength but faces 3 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

+ Delinquency Rate 0.29% below tier average

Key Concerns

Areas that may need attention

- Net Interest Margin 1.22% below tier average
- ROA 0.91% below tier average
- Efficiency Ratio 14.12% above tier average

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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	+$22.8M	$62.2M -0.6% YoY	$512.9M +5.5% YoY	$6.2B +9.1% YoY	78%
Total Loans ?	$34.3M +3.6% YoY -1.8% QoQ	+$21K	$34.2M -1.4% YoY	$288.3M +6.9% YoY	$3.2B +10.8% YoY	53%
Total Deposits ?	$82.0M +1.1% YoY -0.5% QoQ	+$30.2M	$51.7M -0.7% YoY	$443.8M +5.0% YoY	$4.8B +8.2% YoY	Top 6.1% in tier
Return on Assets ?	-0.07% +77.2% YoY -139.0% QoQ	-0.91%	0.84% -2.3% YoY	1.13% +10.7% YoY	1.23% +13.4% YoY	Bottom 14.2% in tier
Net Interest Margin ?	2.64% +12.5% YoY +2.9% QoQ	-1.22%	3.86% +2.8% YoY	3.93% +7.5% YoY	3.89% +5.7% YoY	Bottom 9.4% in tier
Efficiency Ratio ?	102.46% -9.2% YoY +10.2% QoQ	+14.12%	88.34% +0.3% YoY	64.77% -3.3% YoY	66.95% -4.1% YoY	Bottom 12.9% in tier
Delinquency Rate ?	1.08% -18.8% YoY +1.8% QoQ	-0.29%	1.37% +33.8% YoY	1.04% +28.9% YoY	0.95% +18.8% YoY	35%
Loan-to-Deposit Ratio ?	41.80% +2.5% YoY -1.3% QoQ	-22.41%	64.22% -0.7% YoY	76.69% -0.4% YoY	76.70% +0.9% YoY	79%
Non-Interest-Bearing Deposit Share ?	20.49% +17.0% YoY +4.8% QoQ	-3.23%	23.71% +0.3% YoY	21.87% -0.9% YoY	22.01% -1.2% YoY	40%
Nonperforming Asset Ratio ?	0.44% -18.0% YoY +1.0% QoQ	-0.35%	0.79% +28.2% YoY	0.77% +27.1% YoY	0.67% +19.3% YoY	41%
Tier 1 Capital Ratio ?	21.14% +1.6% YoY +2.6% QoQ	-5.55%	26.68% +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% +1.9% YoY	0.16% +5.0% YoY	0.32% +4.1% YoY	30%

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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 (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

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 541 peers in under $100M

Top Strengths (3 metrics)

Total Deposits

size

Value: $81.97M

Peer Median: $51.74M

#34 of 541 Top 6.1% in under $100M

114

Loan-to-Deposit Ratio

liquidity

Value: 41.80%

Peer Median: 64.22%

#114 of 541 Top 20.9% in under $100M

118

Total Assets

size

Value: $84.94M

Peer Median: $62.16M

#118 of 541 Top 21.6% in under $100M

Top Weaknesses (3 metrics)

491

Net Interest Margin

profitability

Value: 2.64%

Peer Median: 3.86%

#491 of 541 Bottom 9.4% in under $100M

472

Efficiency Ratio

profitability

Value: 102.46%

Peer Median: 88.34%

#472 of 541 Bottom 12.9% in under $100M

465

Return on Assets

profitability

Value: -0.07%

Peer Median: 0.84%

#465 of 541 Bottom 14.2% in under $100M