BlastPoint's Banking Scorecard
BankCherokee
Saint Paul, 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 151 in MN.
- Deposits -0.1% year over year ($333.5M on the books).
- Delinquency rate 0.17%.
- Return on assets 0.15%.
- Efficiency ratio 73.86% vs a 64.48% peer average.
- Loan-to-deposit ratio 86.62% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
BankCherokee has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.09% above tier average
- + Delinquency Rate 0.75% below tier average
Key Concerns
Areas that may need attention
- - Return on Assets 1.18% below tier average
- - Efficiency Ratio 9.38% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$401.9M
+1.8% YoY
-4.4% QoQ
|
+$15.4M |
$386.6M
+1.2% YoY
|
$524.5M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
62% |
| Total Loans ? |
$288.8M
+10.0% YoY
+4.4% QoQ
|
+$30.5M |
$258.3M
+1.7% YoY
|
$300.2M
+7.3% YoY
|
$3.2B
+9.4% YoY
|
65% |
| Total Deposits ? |
$333.5M
-0.1% YoY
-4.9% QoQ
|
+$6.7M |
$326.7M
+0.7% YoY
|
$452.1M
+5.5% YoY
|
$4.9B
+7.3% YoY
|
60% |
| Return on Assets ? |
0.15%
-72.5% YoY
-70.5% QoQ
|
-1.18% |
1.32%
+10.8% YoY
|
1.26%
+17.2% YoY
|
1.30%
+12.1% YoY
|
Bottom 4.7% in tier |
| Net Interest Margin ? |
4.07%
+8.3% YoY
+9.3% QoQ
|
+0.09% |
3.99%
+5.0% YoY
|
4.00%
+6.8% YoY
|
3.95%
+4.9% YoY
|
58% |
| Efficiency Ratio ? |
73.86%
-6.7% YoY
-9.4% QoQ
|
+9.38% |
64.48%
-3.2% YoY
|
63.00%
-3.5% YoY
|
70.05%
+2.5% YoY
|
22% |
| Delinquency Rate ? |
0.17%
-51.3% YoY
-52.4% QoQ
|
-0.75% |
0.92%
+15.7% YoY
|
1.01%
+19.3% YoY
|
0.98%
+16.3% YoY
|
68% |
| Loan-to-Deposit Ratio ? |
86.62%
+10.0% YoY
+9.8% QoQ
|
+8.67% |
77.95%
+1.0% YoY
|
78.29%
-0.6% YoY
|
79.03%
+2.3% YoY
|
33% |
| Non-Interest-Bearing Deposit Share ? |
29.04%
-6.8% YoY
-2.3% QoQ
|
+7.01% |
22.03%
-0.6% YoY
|
21.79%
+0.9% YoY
|
21.98%
-0.6% YoY
|
79% |
| Nonperforming Asset Ratio ? |
0.12%
-47.4% YoY
-48.0% QoQ
|
-0.55% |
0.67%
+16.4% YoY
|
0.76%
+16.9% YoY
|
0.69%
+15.8% YoY
|
68% |
| Tier 1 Capital Ratio ? |
15.52%
+17.7% YoY
+14.1% QoQ
|
-0.39% |
15.91%
+1.4% YoY
|
15.35%
-0.4% YoY
|
17.09%
+0.8% YoY
|
70% |
| Non-Interest Income / Assets ? |
0.26%
-4.0% YoY
+118.8% QoQ
|
-0.31% |
0.57%
+7.6% YoY
|
0.31%
+3.9% YoY
|
0.66%
+5.2% YoY
|
64% |
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 |
29.0%
-2.1pp YoY -0.7pp QoQ |
+6.9pp | 22.1% | 21.9% | 22.2% | 79% |
| Brokered Deposits | n/a | n/a | 7.9% | 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 |
21.3%
+0.5pp YoY +0.3pp QoQ |
+9.7pp | 11.6% | 14.6% | 12.5% | 90% |
| CRE |
54.8%
-1.9pp YoY -0.4pp QoQ |
+15.3pp | 39.5% | 36.5% | 41.4% | 78% |
| 1-4 Family |
21.5%
+0.2pp YoY +0.1pp QoQ |
-11.1pp | 32.6% | 29.4% | 31.3% | 34% |
| Consumer |
0.2%
-0.1pp YoY 0.0pp QoQ |
-3.9pp | 4.1% | 4.5% | 5.0% | 10% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
15.5%
+2.3pp YoY +1.9pp QoQ |
-3.3pp | 18.8% | 16.5% | 19.7% | 54% |
| Leverage Ratio |
11.0%
+1.9pp YoY +1.8pp QoQ |
-1.2pp | 12.2% | 11.0% | 12.6% | 51% |
| Total Capital Ratio |
16.8%
+2.3pp YoY +1.9pp QoQ |
-3.2pp | 19.9% | 17.6% | 20.8% | 55% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
56
-5 (-8.2%) YoY -2 (-3.4%) QoQ |
-3 | 58 | 55 | 482 | 60% |
| Assets per Employee ($) |
$7.2M
+10.9% YoY -1.0% QoQ |
-$341K | $7.5M | $8.6M | $8.8M | 55% |
| Branch Count |
3
0 YoY 0 QoQ |
-2 | 4 | 4 | 18 | 26% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | 0.0% | -0.3pp | 0.3% | 0.4% | 0.4% | 14% |
| Nonaccrual |
0.2%
-0.2pp YoY -0.2pp QoQ |
-0.8pp | 0.9% | 1.0% | 1.0% | 26% |
| Allowance Coverage |
7.52x
+97.3% YoY +100.4% QoQ |
-16.64x | 24.15x | 20.41x | 20.23x | 78% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.2% | 0.2% | 29% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
1.6%
-5.4pp YoY -4.5pp QoQ |
-10.6pp | 12.2% | 13.1% | 11.6% | 5% |
| Cost of Funds (YTD) |
1.1%
+0.1pp YoY 0.0pp QoQ |
-0.6pp | 1.7% | 1.7% | 1.7% | 15% |
| Net Income ($, YTD) |
$298,000
-71.3% YoY — QoQ |
-$2.3M | $2.6M | $4.5M | $40.4M | 7% |
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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.