BlastPoint's Banking Scorecard
Currie State Bank
Designations: ✓ Community bank
Currie, MN
2 branches across MN
Currie State Bank has 4 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.39% above tier average
- + Net Interest Margin 0.71% above tier average
- + Efficiency Ratio 26.87% below tier average
- + Delinquency Rate 0.32% below tier average
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 35.41% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$97.7M
-2.0% YoY
-4.0% QoQ
|
+$35.6M |
$62.2M
-0.6% YoY
|
$512.9M
+5.5% YoY
|
$6.2B
+9.1% YoY
|
Top 2.6% in tier |
| Total Loans ? |
$85.9M
-5.8% YoY
-9.4% QoQ
|
+$51.6M |
$34.2M
-1.4% YoY
|
$288.3M
+6.9% YoY
|
$3.2B
+10.8% YoY
|
Top 0.1% in tier |
| Total Deposits ? |
$86.2M
-2.6% YoY
-3.5% QoQ
|
+$34.5M |
$51.7M
-0.7% YoY
|
$443.8M
+5.0% YoY
|
$4.8B
+8.2% YoY
|
Top 2.2% in tier |
| Return on Assets ? |
1.22%
+4.3% YoY
-10.7% QoQ
|
+0.39% |
0.84%
-2.3% YoY
|
1.13%
+10.7% YoY
|
1.23%
+13.4% YoY
|
63% |
| Net Interest Margin ? |
4.57%
+4.1% YoY
-2.5% QoQ
|
+0.71% |
3.86%
+2.8% YoY
|
3.93%
+7.5% YoY
|
3.89%
+5.7% YoY
|
78% |
| Efficiency Ratio ? |
61.47%
-0.4% YoY
+4.8% QoQ
|
-26.87% |
88.34%
+0.3% YoY
|
64.77%
-3.3% YoY
|
66.95%
-4.1% YoY
|
72% |
| Delinquency Rate ? |
1.05%
-65.9% YoY
-81.6% QoQ
|
-0.32% |
1.37%
+33.8% YoY
|
1.04%
+28.9% YoY
|
0.95%
+18.8% YoY
|
36% |
| Loan-to-Deposit Ratio ? |
99.62%
-3.2% YoY
-6.1% QoQ
|
+35.41% |
64.22%
-0.7% YoY
|
76.69%
-0.4% YoY
|
76.70%
+0.9% YoY
|
Bottom 7.8% in tier |
| Non-Interest-Bearing Deposit Share ? |
20.94%
+19.6% YoY
+1.4% QoQ
|
-2.77% |
23.71%
+0.3% YoY
|
21.87%
-0.9% YoY
|
22.01%
-1.2% YoY
|
42% |
| Nonperforming Asset Ratio ? |
0.92%
-67.2% YoY
-82.6% QoQ
|
+0.13% |
0.79%
+28.2% YoY
|
0.77%
+27.1% YoY
|
0.67%
+19.3% YoY
|
25% |
| Tier 1 Capital Ratio ? |
10.44%
+2.5% YoY
-2.8% QoQ
|
-16.24% |
26.68%
+2.0% YoY
|
15.37%
+0.7% YoY
|
17.06%
+0.8% YoY
|
Bottom 9.4% in tier |
| Non-Interest Income / Assets ? |
0.04%
+22.4% YoY
-70.8% QoQ
|
-0.62% |
0.67%
+1.9% YoY
|
0.16%
+5.0% YoY
|
0.32%
+4.1% YoY
|
35% |
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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
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