BlastPoint's Banking Scorecard

ProGrowth Bank

$100M-$1B Specialty: Agricultural MN FDIC cert 8536

Nicollet, MN

4 branches across MN

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

ProGrowth Bank has 2 strengths but faces 5 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

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 15.2% in tier
- Return on Assets 3.50% below tier average
- Net Interest Margin 2.53% below tier average
- Non-Interest-Bearing Deposit Share 14.23% below tier average
- Non-Interest Income / Assets 0.25% below 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 ?	$370.9M -8.6% YoY -9.9% QoQ	-$15.2M	$386.1M +0.5% YoY	$512.9M +5.5% YoY	$6.2B +9.1% YoY	57%
Total Loans ?	$81.2M +3.0% YoY -2.2% QoQ	-$174.5M	$255.7M +1.1% YoY	$288.3M +6.9% YoY	$3.2B +10.8% YoY	Bottom 11.7% in tier
Total Deposits ?	$333.8M +0.9% YoY -0.1% QoQ	+$5.8M	$328.0M +0.1% YoY	$443.8M +5.0% YoY	$4.8B +8.2% YoY	60%
Return on Assets ?	-2.24% -540.0% YoY -731.0% QoQ	-3.50%	1.27% +12.9% YoY	1.13% +10.7% YoY	1.23% +13.4% YoY	Bottom 0.6% in tier
Net Interest Margin ?	1.40% -33.9% YoY -29.6% QoQ	-2.53%	3.93% +6.0% YoY	3.93% +7.5% YoY	3.89% +5.7% YoY	Bottom 0.3% in tier
Efficiency Ratio ?	104.37% +49.6% YoY +41.5% QoQ	+39.08%	65.29% -4.5% YoY	64.77% -3.3% YoY	66.95% -4.1% YoY	Bottom 2.0% in tier
Delinquency Rate ?	0.00% -100.0% YoY	-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 ?	24.34% +2.1% YoY -2.1% QoQ	-52.30%	76.64% +0.8% YoY	76.69% -0.4% YoY	76.70% +0.9% YoY	Top 1.1% in tier
Non-Interest-Bearing Deposit Share ?	7.79% -4.3% YoY -7.3% QoQ	-14.23%	22.02% -1.0% YoY	21.87% -0.9% YoY	22.01% -1.2% YoY	Bottom 6.9% in tier
Nonperforming Asset Ratio ?	0.00% -100.0% YoY	-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 ?	19.36% -4.5% YoY +4.8% QoQ	+3.53%	15.83% +1.5% YoY	15.37% +0.7% YoY	17.06% +0.8% YoY	Top 14.9% in tier
Non-Interest Income / Assets ?	0.03% +5.8% YoY -74.2% QoQ	-0.25%	0.28% +9.3% YoY	0.16% +5.0% YoY	0.32% +4.1% YoY	Bottom 9.0% in tier

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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 (1)

Efficiency Drag

risk

#64 of 414 • Bottom 15.2% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature

Efficiency Ratio: 104.37%

(Tier: 65.29%, National: 66.95%)

worse than tier avg

414 of 414 Community banks match · 492 nationally

→ Stable

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 (4 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

Loan-to-Deposit Ratio

liquidity

Value: 24.34%

Peer Median: 76.64%

#29 of 2664 Top 1.1% in $100M-$1B

398

Tier 1 Capital Ratio

capital

Value: 19.36%

Peer Median: 15.83%

#398 of 2664 Top 14.9% in $100M-$1B

Top Weaknesses (6 metrics)

2658

Net Interest Margin

profitability

Value: 1.40%

Peer Median: 3.93%

#2658 of 2664 Bottom 0.3% in $100M-$1B

2650

Return on Assets

profitability

Value: -2.24%

Peer Median: 1.27%

#2650 of 2664 Bottom 0.6% in $100M-$1B

2613

Efficiency Ratio

profitability

Value: 104.37%

Peer Median: 65.29%

#2613 of 2664 Bottom 2.0% in $100M-$1B

2481

Non-Interest-Bearing Deposit Share

funding

Value: 7.79%

Peer Median: 22.02%

#2481 of 2664 Bottom 6.9% in $100M-$1B

2424

Non-Interest Income / Assets

revenue_mix

Value: 0.03%

Peer Median: 0.28%

#2424 of 2664 Bottom 9.0% in $100M-$1B

2352

Total Loans

size

Value: $81.23M

Peer Median: $255.72M

#2352 of 2664 Bottom 11.7% in $100M-$1B