BlastPoint's Banking Scorecard

Freeport State Bank

$100M-$1B Specialty: Agricultural MN FDIC cert 8210

Freeport, MN

3 branches across MN

2664 banks in the $100M-$1B peer group nationally 152 in MN

Freeport State Bank has 3 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

+ Delinquency Rate 0.89% below tier average
+ Nonperforming Asset Ratio 0.64% below tier average
+ Net Interest Margin 0.38% above tier average

Key Concerns

Areas that may need attention

- Deposit Outflow: Bottom 35.4% in tier
- Non-Interest Income / Assets 0.26% below tier average
- ROA 0.24% below tier average
- Efficiency Ratio 0.82% above tier average

Get updates when Freeport State Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Total Assets ?	$167.3M -2.9% YoY -1.0% QoQ	-$218.8M	$386.1M +0.5% YoY	$512.9M +5.5% YoY	$6.2B +9.1% YoY	19%
Total Loans ?	$110.7M +7.6% YoY +0.7% QoQ	-$145.0M	$255.7M +1.1% YoY	$288.3M +6.9% YoY	$3.2B +10.8% YoY	23%
Total Deposits ?	$149.8M -4.4% YoY -1.6% QoQ	-$178.2M	$328.0M +0.1% YoY	$443.8M +5.0% YoY	$4.8B +8.2% YoY	22%
Return on Assets ?	1.03% +2.9% YoY +6.2% QoQ	-0.24%	1.27% +12.9% YoY	1.13% +10.7% YoY	1.23% +13.4% YoY	40%
Net Interest Margin ?	4.31% +8.2% YoY +2.9% QoQ	+0.38%	3.93% +6.0% YoY	3.93% +7.5% YoY	3.89% +5.7% YoY	74%
Efficiency Ratio ?	66.10% +1.6% YoY -3.1% QoQ	+0.82%	65.29% -4.5% YoY	64.77% -3.3% YoY	66.95% -4.1% YoY	42%
Delinquency Rate ?	0.00% -100.0% QoQ	-0.89%	0.89% +18.8% YoY	1.04% +28.9% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	73.93% +12.5% YoY +2.3% QoQ	-2.70%	76.64% +0.8% YoY	76.69% -0.4% YoY	76.70% +0.9% YoY	60%
Non-Interest-Bearing Deposit Share ?	23.17% +1.3% YoY -0.8% QoQ	+1.15%	22.02% -1.0% YoY	21.87% -0.9% YoY	22.01% -1.2% YoY	59%
Nonperforming Asset Ratio ?	0.00% -100.0% QoQ	-0.64%	0.64% +19.7% YoY	0.77% +27.1% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	15.40% +7.0% YoY +2.2% QoQ	-0.43%	15.83% +1.5% YoY	15.37% +0.7% YoY	17.06% +0.8% YoY	69%
Non-Interest Income / Assets ?	0.02% -46.8% YoY -81.7% QoQ	-0.26%	0.28% +9.3% YoY	0.16% +5.0% YoY	0.32% +4.1% YoY	Bottom 3.9% in tier

Get Full Access to Freeport State Bank

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

Want to see an example first? Preview JPMorgan Chase's scorecard →

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 (1)

Deposit Outflow

decline

#180 of 506 • Bottom 35.4% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

506 of 506 Community banks match · 656 nationally

→ Stable -8 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 2664 peers in $100M-$1B

Top Strengths (2 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 2654 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.64%

#1 of 2664 Top 0.1% in $100M-$1B

Top Weaknesses (4 metrics)

2562

Non-Interest Income / Assets

revenue_mix

Value: 0.02%

Peer Median: 0.28%

#2562 of 2664 Bottom 3.9% in $100M-$1B

2164

Total Assets

size

Value: $167.26M

Peer Median: $386.08M

#2164 of 2664 Bottom 18.8% in $100M-$1B

2092

Total Deposits

size

Value: $149.77M

Peer Median: $327.97M

#2092 of 2664 Bottom 21.5% in $100M-$1B

2053

Total Loans

size

Value: $110.73M

Peer Median: $255.72M

#2053 of 2664 Bottom 23.0% in $100M-$1B