BlastPoint's Banking Scorecard
The First State Bank of Red Wing
Designations: ✓ Community bank
Red Wing, MN
3 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 536 banks in the under $100M peer group nationwide — 1 of 52 in MN.
- Deposits +0.5% year over year ($83.1M on the books).
- Delinquency rate 1.08%.
- Return on assets -0.02%.
- Efficiency ratio 100.78% vs a 119.40% peer average.
- Loan-to-deposit ratio 41.18% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The First State Bank of Red Wing has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 18.61% below tier average
- + Delinquency Rate 0.40% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.25% below tier average
- - ROA 1.02% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$86.3M
+1.6% YoY
+1.7% QoQ
|
+$23.9M |
$62.4M
-0.0% YoY
|
$524.5M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
80% |
| Total Loans ? |
$34.2M
-2.1% YoY
-0.2% QoQ
|
-$677K |
$34.9M
-0.6% YoY
|
$300.2M
+7.3% YoY
|
$3.2B
+9.4% YoY
|
51% |
| Total Deposits ? |
$83.1M
+0.5% YoY
+1.4% QoQ
|
+$31.5M |
$51.6M
-0.2% YoY
|
$452.1M
+5.5% YoY
|
$4.9B
+7.3% YoY
|
Top 5.6% in tier |
| Return on Assets ? |
-0.02%
+49.2% YoY
+66.8% QoQ
|
-1.02% |
1.00%
+3.5% YoY
|
1.26%
+17.2% YoY
|
1.30%
+12.1% YoY
|
Bottom 13.2% in tier |
| Net Interest Margin ? |
2.66%
+10.2% YoY
+0.8% QoQ
|
-1.25% |
3.91%
+2.3% YoY
|
4.00%
+6.8% YoY
|
3.95%
+4.9% YoY
|
Bottom 9.3% in tier |
| Efficiency Ratio ? |
100.78%
-1.0% YoY
-1.6% QoQ
|
-18.61% |
119.40%
+49.6% YoY
|
63.00%
-3.5% YoY
|
70.05%
+2.5% YoY
|
Bottom 11.9% in tier |
| Delinquency Rate ? |
1.08%
-26.2% YoY
+0.2% QoQ
|
-0.40% |
1.48%
+31.8% YoY
|
1.01%
+19.3% YoY
|
0.98%
+16.3% YoY
|
35% |
| Loan-to-Deposit Ratio ? |
41.18%
-2.6% YoY
-1.5% QoQ
|
-33.03% |
74.21%
+12.6% YoY
|
78.29%
-0.6% YoY
|
79.03%
+2.3% YoY
|
82% |
| Non-Interest-Bearing Deposit Share ? |
20.77%
+12.5% YoY
+1.4% QoQ
|
-2.72% |
23.49%
+0.6% YoY
|
21.79%
+0.9% YoY
|
21.98%
-0.6% YoY
|
43% |
| Nonperforming Asset Ratio ? |
0.43%
-28.9% YoY
-1.6% QoQ
|
-0.41% |
0.84%
+23.0% YoY
|
0.76%
+16.9% YoY
|
0.69%
+15.8% YoY
|
42% |
| Tier 1 Capital Ratio ? |
21.81%
+7.9% YoY
+3.2% QoQ
|
-5.32% |
27.13%
+3.0% YoY
|
15.35%
-0.4% YoY
|
17.09%
+0.8% YoY
|
74% |
| Non-Interest Income / Assets ? |
0.08%
-1.6% YoY
+105.7% QoQ
|
-1.30% |
1.38%
+6.3% YoY
|
0.31%
+3.9% YoY
|
0.66%
+5.2% YoY
|
32% |
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 |
20.8%
+2.3pp YoY +0.3pp QoQ |
-3.9pp | 24.6% | 21.9% | 22.2% | 40% |
| Brokered Deposits | n/a | n/a | 9.8% | 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 |
6.3%
+0.5pp YoY +1.4pp QoQ |
-7.1pp | 13.4% | 14.6% | 12.5% | 29% |
| CRE |
18.3%
-7.7pp YoY -4.3pp QoQ |
-6.9pp | 25.2% | 36.5% | 41.4% | 44% |
| 1-4 Family |
51.5%
+8.7pp YoY +5.9pp QoQ |
+16.5pp | 35.0% | 29.4% | 31.3% | 73% |
| Consumer |
11.4%
-0.4pp YoY -0.5pp QoQ |
+3.8pp | 7.7% | 4.5% | 5.0% | 82% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
21.8%
+1.6pp YoY +0.7pp QoQ |
-16.9pp | 38.7% | 16.5% | 19.7% | 54% |
| Leverage Ratio |
9.0%
+0.1pp YoY -0.1pp QoQ |
-8.7pp | 17.7% | 11.0% | 12.6% | 8% |
| Total Capital Ratio |
22.6%
+1.6pp YoY +0.7pp QoQ |
-17.1pp | 39.7% | 17.6% | 20.8% | 53% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
13
0 YoY 0 QoQ |
+1 | 12 | 55 | 482 | 62% |
| Assets per Employee ($) |
$6.6M
+1.6% YoY +1.7% QoQ |
+$454K | $6.2M | $8.6M | $8.8M | 61% |
| Branch Count |
3
0 YoY 0 QoQ |
+1 | 1 | 4 | 18 | 89% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.4% | 0.4% | n/a |
| Nonaccrual |
1.1%
-0.2pp YoY 0.0pp QoQ |
-0.7pp | 1.7% | 1.0% | 1.0% | 58% |
| Allowance Coverage |
0.79x
+32.9% YoY 0.0% QoQ |
-5.62x | 6.41x | 20.41x | 20.23x | 36% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.2% | 0.2% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
-0.7%
+1.9pp YoY +1.3pp QoQ |
-7.1pp | 6.4% | 13.1% | 11.6% | 12% |
| Cost of Funds (YTD) |
1.4%
-0.1pp YoY +0.1pp QoQ |
0.0pp | 1.4% | 1.7% | 1.7% | 52% |
| Net Income ($, YTD) |
$-10000.0
+47.4% YoY — QoQ |
-$328K | $317,817 | $4.5M | $40.4M | 13% |
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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.