BlastPoint's Banking Scorecard
Prairie Sun Bank
Milan, MN
4 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 151 in MN.
- Deposits +0.9% year over year ($92.5M on the books).
- Delinquency rate 1.85%.
- Return on assets 1.36%.
- Efficiency ratio 60.62% vs a 64.48% peer average.
- Loan-to-deposit ratio 86.16% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Prairie Sun Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.20% above tier average
- + Efficiency Ratio 3.86% below tier average
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 1.2% in tier
- - Delinquency Rate 0.93% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$107.0M
-6.1% YoY
+1.3% QoQ
|
-$279.6M |
$386.6M
+1.2% YoY
|
$524.5M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
Bottom 1.7% in tier |
| Total Loans ? |
$79.7M
+0.9% YoY
+3.8% QoQ
|
-$178.6M |
$258.3M
+1.7% YoY
|
$300.2M
+7.3% YoY
|
$3.2B
+9.4% YoY
|
Bottom 10.3% in tier |
| Total Deposits ? |
$92.5M
+0.9% YoY
-2.0% QoQ
|
-$234.2M |
$326.7M
+0.7% YoY
|
$452.1M
+5.5% YoY
|
$4.9B
+7.3% YoY
|
Bottom 3.4% in tier |
| Return on Assets ? |
1.36%
-2.8% YoY
+1.2% QoQ
|
+0.04% |
1.32%
+10.8% YoY
|
1.26%
+17.2% YoY
|
1.30%
+12.1% YoY
|
57% |
| Net Interest Margin ? |
4.19%
+10.4% YoY
+1.9% QoQ
|
+0.20% |
3.99%
+5.0% YoY
|
4.00%
+6.8% YoY
|
3.95%
+4.9% YoY
|
64% |
| Efficiency Ratio ? |
60.62%
+7.3% YoY
+0.5% QoQ
|
-3.86% |
64.48%
-3.2% YoY
|
63.00%
-3.5% YoY
|
70.05%
+2.5% YoY
|
55% |
| Delinquency Rate ? |
1.85%
-21.4% YoY
-81.3% QoQ
|
+0.93% |
0.92%
+15.7% YoY
|
1.01%
+19.3% YoY
|
0.98%
+16.3% YoY
|
Bottom 14.2% in tier |
| Loan-to-Deposit Ratio ? |
86.16%
+0.0% YoY
+5.9% QoQ
|
+8.21% |
77.95%
+1.0% YoY
|
78.29%
-0.6% YoY
|
79.03%
+2.3% YoY
|
35% |
| Non-Interest-Bearing Deposit Share ? |
24.59%
+15.0% YoY
+7.6% QoQ
|
+2.56% |
22.03%
-0.6% YoY
|
21.79%
+0.9% YoY
|
21.98%
-0.6% YoY
|
65% |
| Nonperforming Asset Ratio ? |
1.38%
-15.5% YoY
-80.8% QoQ
|
+0.71% |
0.67%
+16.4% YoY
|
0.76%
+16.9% YoY
|
0.69%
+15.8% YoY
|
Bottom 13.5% in tier |
| Tier 1 Capital Ratio ? |
9.85%
-0.7% YoY
-8.7% QoQ
|
-6.06% |
15.91%
+1.4% YoY
|
15.35%
-0.4% YoY
|
17.09%
+0.8% YoY
|
Bottom 8.8% in tier |
| Non-Interest Income / Assets ? |
0.12%
-6.4% YoY
+102.1% QoQ
|
-0.44% |
0.57%
+7.6% YoY
|
0.31%
+3.9% YoY
|
0.66%
+5.2% YoY
|
26% |
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 |
24.6%
+3.2pp YoY +1.7pp QoQ |
+2.4pp | 22.1% | 21.9% | 22.2% | 64% |
| Brokered Deposits |
6.9%
-0.1pp YoY +0.1pp QoQ |
-0.9pp | 7.9% | 8.3% | 8.5% | 64% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
11.6%
+2.3pp YoY +3.2pp QoQ |
+0.1pp | 11.6% | 14.6% | 12.5% | 61% |
| CRE | n/a | n/a | 39.5% | 36.5% | 41.4% | n/a |
| 1-4 Family |
5.6%
-0.8pp YoY -0.9pp QoQ |
-27.0pp | 32.6% | 29.4% | 31.3% | 6% |
| Consumer |
4.3%
0.0pp YoY +0.2pp QoQ |
+0.2pp | 4.1% | 4.5% | 5.0% | 72% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 16.5% | 19.7% | n/a |
| Leverage Ratio |
9.9%
+0.9pp YoY -0.2pp QoQ |
-2.3pp | 12.2% | 11.0% | 12.6% | 28% |
| Total Capital Ratio | n/a | n/a | 19.9% | 17.6% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
17
0 YoY 0 QoQ |
-42 | 58 | 55 | 482 | 7% |
| Assets per Employee ($) |
$6.3M
-6.1% YoY +1.3% QoQ |
-$1.2M | $7.5M | $8.6M | $8.8M | 39% |
| Branch Count |
4
0 YoY 0 QoQ |
-1 | 4 | 4 | 18 | 42% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
1.5%
-0.9pp YoY -8.0pp QoQ |
+1.2pp | 0.3% | 0.4% | 0.4% | 95% |
| Nonaccrual |
0.4%
+0.4pp YoY -0.1pp QoQ |
-0.6pp | 0.9% | 1.0% | 1.0% | 46% |
| Allowance Coverage |
1.05x
+44.5% YoY +433.2% QoQ |
-23.11x | 24.15x | 20.41x | 20.23x | 28% |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp YoY |
-0.2pp | 0.1% | 0.2% | 0.2% | 18% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
14.0%
-2.7pp YoY 0.0pp QoQ |
+1.8pp | 12.2% | 13.1% | 11.6% | 62% |
| Cost of Funds (YTD) |
1.8%
-0.2pp YoY 0.0pp QoQ |
+0.1pp | 1.7% | 1.7% | 1.7% | 57% |
| Net Income ($, YTD) |
$739,000
-7.3% YoY — QoQ |
-$1.8M | $2.6M | $4.5M | $40.4M | 18% |
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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 (1)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.