BlastPoint's Banking Scorecard

Eagle Bank

$100M-$1B Specialty: Agricultural MN FDIC cert 8824

Glenwood, MN

5 branches across MN

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

Eagle Bank has 4 strengths but faces 3 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

+ Return on Assets 0.98% above tier average
+ Net Interest Margin 0.34% above tier average
+ Efficiency Ratio 15.59% below tier average
+ Delinquency Rate 0.75% below tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 8.9% in tier
- Credit Quality Pressure: Bottom 14.1% in tier
- Liquidity Overhang: Bottom 41.0% in tier

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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 ?	$223.1M +4.1% YoY -0.2% QoQ	-$163.0M	$386.1M +0.5% YoY	$512.9M +5.5% YoY	$6.2B +9.1% YoY	32%
Total Loans ?	$133.7M +3.9% YoY -3.2% QoQ	-$122.0M	$255.7M +1.1% YoY	$288.3M +6.9% YoY	$3.2B +10.8% YoY	30%
Total Deposits ?	$190.6M +3.2% YoY +2.7% QoQ	-$137.4M	$328.0M +0.1% YoY	$443.8M +5.0% YoY	$4.8B +8.2% YoY	32%
Return on Assets ?	2.25% -0.9% YoY +25.1% QoQ	+0.98%	1.27% +12.9% YoY	1.13% +10.7% YoY	1.23% +13.4% YoY	Top 8.0% in tier
Net Interest Margin ?	4.27% +10.4% YoY +2.7% QoQ	+0.34%	3.93% +6.0% YoY	3.93% +7.5% YoY	3.89% +5.7% YoY	71%
Efficiency Ratio ?	49.69% +3.3% YoY -12.2% QoQ	-15.59%	65.29% -4.5% YoY	64.77% -3.3% YoY	66.95% -4.1% YoY	85%
Delinquency Rate ?	0.14% +80.0% YoY -86.4% QoQ	-0.75%	0.89% +18.8% YoY	1.04% +28.9% YoY	0.95% +18.8% YoY	70%
Loan-to-Deposit Ratio ?	70.15% +0.6% YoY -5.8% QoQ	-6.48%	76.64% +0.8% YoY	76.69% -0.4% YoY	76.70% +0.9% YoY	66%
Non-Interest-Bearing Deposit Share ?	21.97% -5.2% YoY -2.2% QoQ	-0.05%	22.02% -1.0% YoY	21.87% -0.9% YoY	22.01% -1.2% YoY	54%
Nonperforming Asset Ratio ?	0.40% +551.6% YoY -36.9% QoQ	-0.24%	0.64% +19.7% YoY	0.77% +27.1% YoY	0.67% +19.3% YoY	43%
Tier 1 Capital Ratio ?	22.11% +3.8% YoY +5.4% QoQ	+6.28%	15.83% +1.5% YoY	15.37% +0.7% YoY	17.06% +0.8% YoY	Top 9.9% in tier
Non-Interest Income / Assets ?	0.15% -25.9% YoY -78.3% QoQ	-0.13%	0.28% +9.3% YoY	0.16% +5.0% YoY	0.32% +4.1% YoY	73%

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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 (3)

Credit Risk Growth

risk

#88 of 973 • Bottom 8.9% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

973 of 973 Community banks match · 1464 nationally

→ Stable -10 banks QoQ | QoQ rank improving

Credit Quality Pressure

risk

#185 of 1308 • Bottom 14.1% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.14%

(Tier: 0.89%, National: 0.95%)

better than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Liquidity Overhang

risk

#304 of 739 • Bottom 41.0% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 22.11%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 70.15%

(Tier: 76.64%, National: 76.70%)

better than tier avg

739 of 739 Community banks match · 939 nationally

→ Stable +13 banks QoQ | QoQ rank declining

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 (3 metrics)

214

Return on Assets

profitability

Value: 2.25%

Peer Median: 1.27%

#214 of 2664 Top 8.0% in $100M-$1B

264

Tier 1 Capital Ratio

capital

Value: 22.11%

Peer Median: 15.83%

#264 of 2664 Top 9.9% in $100M-$1B

412

Efficiency Ratio

profitability

Value: 49.69%

Peer Median: 65.29%

#412 of 2664 Top 15.4% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available