BlastPoint's Banking Scorecard

Sentry Bank

$100M-$1B Specialty: Commercial MN FDIC cert 8546

Saint Joseph, MN

4 branches across MN

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

Sentry Bank has 3 strengths but faces 1 concern

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
+ Efficiency Ratio 10.53% below tier average

Key Concerns

Areas that may need attention

- ROA 0.06% below tier average

Get updates when Sentry 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 ?	$378.6M +13.0% YoY +1.1% QoQ	-$7.5M	$386.1M +0.5% YoY	$512.9M +5.5% YoY	$6.2B +9.1% YoY	58%
Total Loans ?	$287.3M +21.9% YoY +5.8% QoQ	+$31.6M	$255.7M +1.1% YoY	$288.3M +6.9% YoY	$3.2B +10.8% YoY	66%
Total Deposits ?	$330.0M +14.9% YoY +1.8% QoQ	+$2.0M	$328.0M +0.1% YoY	$443.8M +5.0% YoY	$4.8B +8.2% YoY	60%
Return on Assets ?	1.21% +18.3% YoY -0.7% QoQ	-0.06%	1.27% +12.9% YoY	1.13% +10.7% YoY	1.23% +13.4% YoY	50%
Net Interest Margin ?	3.94% +14.2% YoY +3.7% QoQ	+0.01%	3.93% +6.0% YoY	3.93% +7.5% YoY	3.89% +5.7% YoY	54%
Efficiency Ratio ?	54.76% -3.8% YoY +1.2% QoQ	-10.53%	65.29% -4.5% YoY	64.77% -3.3% YoY	66.95% -4.1% YoY	74%
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 ?	87.09% +6.0% YoY +3.9% QoQ	+10.45%	76.64% +0.8% YoY	76.69% -0.4% YoY	76.70% +0.9% YoY	30%
Non-Interest-Bearing Deposit Share ?	18.03% -2.6% YoY +0.2% QoQ	-3.99%	22.02% -1.0% YoY	21.87% -0.9% YoY	22.01% -1.2% YoY	36%
Nonperforming Asset Ratio ?	0.00% -100.0% YoY -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 ?	11.17% +23.8% YoY +24.4% QoQ	-4.66%	15.83% +1.5% YoY	15.37% +0.7% YoY	17.06% +0.8% YoY	25%
Non-Interest Income / Assets ?	0.05% -2.2% YoY -78.3% QoQ	-0.23%	0.28% +9.3% YoY	0.16% +5.0% YoY	0.32% +4.1% YoY	19%

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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 (0)

No matched concern signatures this quarter

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 (1 metrics)

2147

Non-Interest Income / Assets

revenue_mix

Value: 0.05%

Peer Median: 0.28%

#2147 of 2664 Bottom 19.4% in $100M-$1B