BlastPoint's Banking Scorecard
First State Bank of Swanville
Designations: ✓ Community bank
Swanville, 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 -8.0% year over year ($19.2M on the books).
- Delinquency rate 2.19%.
- Return on assets 0.71%.
- Efficiency ratio 74.56% vs a 119.40% peer average.
- Loan-to-deposit ratio 77.23% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
First State Bank of Swanville has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 2.02% above tier average
- + Non-Interest-Bearing Deposit Share 27.90% above tier average
- + Efficiency Ratio 44.84% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.29% below tier average
- - Delinquency Rate 0.70% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$23.8M
-6.6% YoY
+1.6% QoQ
|
-$38.6M |
$62.4M
-0.0% YoY
|
$524.5M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
Bottom 6.9% in tier |
| Total Loans ? |
$14.8M
-11.6% YoY
+1.0% QoQ
|
-$20.1M |
$34.9M
-0.6% YoY
|
$300.2M
+7.3% YoY
|
$3.2B
+9.4% YoY
|
18% |
| Total Deposits ? |
$19.2M
-8.0% YoY
+3.3% QoQ
|
-$32.4M |
$51.6M
-0.2% YoY
|
$452.1M
+5.5% YoY
|
$4.9B
+7.3% YoY
|
Bottom 8.6% in tier |
| Return on Assets ? |
0.71%
-62.7% YoY
-55.8% QoQ
|
-0.29% |
1.00%
+3.5% YoY
|
1.26%
+17.2% YoY
|
1.30%
+12.1% YoY
|
35% |
| Net Interest Margin ? |
5.93%
+7.6% YoY
-3.9% QoQ
|
+2.02% |
3.91%
+2.3% YoY
|
4.00%
+6.8% YoY
|
3.95%
+4.9% YoY
|
Top 3.2% in tier |
| Efficiency Ratio ? |
74.56%
+11.8% YoY
+9.2% QoQ
|
-44.84% |
119.40%
+49.6% YoY
|
63.00%
-3.5% YoY
|
70.05%
+2.5% YoY
|
42% |
| Delinquency Rate ? |
2.19%
+171.6% YoY
|
+0.70% |
1.48%
+31.8% YoY
|
1.01%
+19.3% YoY
|
0.98%
+16.3% YoY
|
19% |
| Loan-to-Deposit Ratio ? |
77.23%
-3.9% YoY
-2.2% QoQ
|
+3.02% |
74.21%
+12.6% YoY
|
78.29%
-0.6% YoY
|
79.03%
+2.3% YoY
|
34% |
| Non-Interest-Bearing Deposit Share ? |
51.39%
+9.8% YoY
+1.7% QoQ
|
+27.90% |
23.49%
+0.6% YoY
|
21.79%
+0.9% YoY
|
21.98%
-0.6% YoY
|
Top 2.6% in tier |
| Nonperforming Asset Ratio ? |
1.36%
+157.0% YoY
+88.7% QoQ
|
+0.52% |
0.84%
+23.0% YoY
|
0.76%
+16.9% YoY
|
0.69%
+15.8% YoY
|
18% |
| Tier 1 Capital Ratio ? |
26.71%
+11.2% YoY
-4.1% QoQ
|
-0.41% |
27.13%
+3.0% YoY
|
15.35%
-0.4% YoY
|
17.09%
+0.8% YoY
|
81% |
| Non-Interest Income / Assets ? |
0.31%
+42.1% YoY
+147.8% QoQ
|
-1.07% |
1.38%
+6.3% YoY
|
0.31%
+3.9% YoY
|
0.66%
+5.2% YoY
|
85% |
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 |
51.4%
+4.6pp YoY +0.8pp QoQ |
+26.8pp | 24.6% | 21.9% | 22.2% | 97% |
| 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 |
32.0%
+1.9pp YoY -1.8pp QoQ |
+18.6pp | 13.4% | 14.6% | 12.5% | 93% |
| CRE | n/a | n/a | 25.2% | 36.5% | 41.4% | n/a |
| 1-4 Family |
21.1%
+5.6pp YoY +1.1pp QoQ |
-13.9pp | 35.0% | 29.4% | 31.3% | 38% |
| Consumer |
4.3%
+0.8pp YoY -0.2pp QoQ |
-3.4pp | 7.7% | 4.5% | 5.0% | 44% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
26.7%
+2.7pp YoY -1.2pp QoQ |
-12.0pp | 38.7% | 16.5% | 19.7% | 66% |
| Leverage Ratio |
18.1%
+0.4pp YoY -1.2pp QoQ |
+0.5pp | 17.7% | 11.0% | 12.6% | 81% |
| Total Capital Ratio |
27.9%
+2.6pp YoY -1.2pp QoQ |
-11.8pp | 39.7% | 17.6% | 20.8% | 67% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
4
0 YoY 0 QoQ |
-8 | 12 | 55 | 482 | 2% |
| Assets per Employee ($) |
$6.0M
-6.6% YoY +1.6% QoQ |
-$237K | $6.2M | $8.6M | $8.8M | 49% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 4 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.4% | 0.4% | n/a |
| Nonaccrual |
2.2%
+1.6pp YoY |
+0.4pp | 1.7% | 1.0% | 1.0% | 78% |
| Allowance Coverage |
0.59x
-68.7% YoY -99.4% QoQ |
-5.82x | 6.41x | 20.41x | 20.23x | 27% |
| Net Charge-off Rate (YTD) |
2.2%
+1.7pp YoY |
+2.0pp | 0.2% | 0.2% | 0.2% | 98% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
3.8%
-7.3pp YoY -4.6pp QoQ |
-2.6pp | 6.4% | 13.1% | 11.6% | 27% |
| Cost of Funds (YTD) |
0.2%
-0.4pp YoY 0.0pp QoQ |
-1.2pp | 1.4% | 1.7% | 1.7% | 4% |
| Net Income ($, YTD) |
$83,000
-64.7% YoY — QoQ |
-$235K | $317,817 | $4.5M | $40.4M | 22% |
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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.