BlastPoint's Banking Scorecard

Glenwood State Bank (Incorporated)

$100M-$1B Specialty: Commercial MN FDIC cert 8853

Glenwood, MN

3 branches across MN

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

Glenwood State Bank (Incorporated) has 2 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

+ ROA 0.39% above tier average
+ Efficiency Ratio 6.52% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 31.7% in tier
- Net Interest Margin 0.08% below tier average
- Delinquency Rate 0.72% above 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 ?	$549.3M +1.6% YoY -2.9% QoQ	+$163.2M	$386.1M +0.5% YoY	$512.9M +5.5% YoY	$6.2B +9.1% YoY	76%
Total Loans ?	$484.4M -0.9% YoY -3.6% QoQ	+$228.7M	$255.7M +1.1% YoY	$288.3M +6.9% YoY	$3.2B +10.8% YoY	Top 12.5% in tier
Total Deposits ?	$472.8M +0.8% YoY -3.5% QoQ	+$144.8M	$328.0M +0.1% YoY	$443.8M +5.0% YoY	$4.8B +8.2% YoY	77%
Return on Assets ?	1.66% +34.9% YoY +6.2% QoQ	+0.39%	1.27% +12.9% YoY	1.13% +10.7% YoY	1.23% +13.4% YoY	75%
Net Interest Margin ?	3.85% +12.7% YoY +3.5% QoQ	-0.08%	3.93% +6.0% YoY	3.93% +7.5% YoY	3.89% +5.7% YoY	49%
Efficiency Ratio ?	58.77% -10.0% YoY -1.3% QoQ	-6.52%	65.29% -4.5% YoY	64.77% -3.3% YoY	66.95% -4.1% YoY	64%
Delinquency Rate ?	1.60% +11.6% YoY +16.4% QoQ	+0.72%	0.89% +18.8% YoY	1.04% +28.9% YoY	0.95% +18.8% YoY	17%
Loan-to-Deposit Ratio ?	102.47% -1.6% YoY -0.2% QoQ	+25.83%	76.64% +0.8% YoY	76.69% -0.4% YoY	76.70% +0.9% YoY	Bottom 6.4% in tier
Non-Interest-Bearing Deposit Share ?	16.26% +4.0% YoY -8.4% QoQ	-5.76%	22.02% -1.0% YoY	21.87% -0.9% YoY	22.01% -1.2% YoY	28%
Nonperforming Asset Ratio ?	1.41% +8.8% YoY +15.5% QoQ	+0.78%	0.64% +19.7% YoY	0.77% +27.1% YoY	0.67% +19.3% YoY	Bottom 12.8% in tier
Tier 1 Capital Ratio ?	12.12% +17.1% YoY +10.8% QoQ	-3.71%	15.83% +1.5% YoY	15.37% +0.7% YoY	17.06% +0.8% YoY	36%
Non-Interest Income / Assets ?	0.08% +16.3% YoY -75.2% QoQ	-0.20%	0.28% +9.3% YoY	0.16% +5.0% YoY	0.32% +4.1% YoY	40%

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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)

Liquidity Strain

risk

#205 of 643 • Bottom 31.7% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 102.47%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank improving

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)

335

Total Loans

size

Value: $484.44M

Peer Median: $255.72M

#335 of 2664 Top 12.5% in $100M-$1B

615

Total Deposits

size

Value: $472.76M

Peer Median: $327.97M

#615 of 2664 Top 23.0% in $100M-$1B

629

Total Assets

size

Value: $549.28M

Peer Median: $386.08M

#629 of 2664 Top 23.6% in $100M-$1B

656

Return on Assets

profitability

Value: 1.66%

Peer Median: 1.27%

#656 of 2664 Top 24.6% in $100M-$1B

Top Weaknesses (3 metrics)

2495

Loan-to-Deposit Ratio

liquidity

Value: 102.47%

Peer Median: 76.64%

#2495 of 2664 Bottom 6.4% in $100M-$1B

2325

Nonperforming Asset Ratio

credit_quality

Value: 1.41%

Peer Median: 0.64%

#2325 of 2664 Bottom 12.8% in $100M-$1B

2209

Delinquency Rate

credit_quality

Value: 1.60%

Peer Median: 0.89%

#2209 of 2654 Bottom 16.8% in $100M-$1B