BlastPoint's Banking Scorecard
State Bank of Chandler
Designations: ✓ Community bank
Chandler, 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 536 banks in the under $100M peer group nationwide — 1 of 52 in MN.
- Deposits +2.8% year over year ($60.2M on the books).
- Delinquency rate 0.96%.
- Return on assets 1.49%.
- Efficiency ratio 51.43% vs a 119.40% peer average.
- Loan-to-deposit ratio 77.70% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
State Bank of Chandler demonstrates 4 strengths
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.49% above tier average
- + Net Interest Margin 0.16% above tier average
- + Efficiency Ratio 67.97% below tier average
- + Delinquency Rate 0.52% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$68.7M
+2.5% YoY
+0.4% QoQ
|
+$6.3M |
$62.4M
-0.0% YoY
|
$524.5M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
55% |
| Total Loans ? |
$46.7M
+5.8% YoY
+2.8% QoQ
|
+$11.9M |
$34.9M
-0.6% YoY
|
$300.2M
+7.3% YoY
|
$3.2B
+9.4% YoY
|
72% |
| Total Deposits ? |
$60.2M
+2.8% YoY
+0.1% QoQ
|
+$8.5M |
$51.6M
-0.2% YoY
|
$452.1M
+5.5% YoY
|
$4.9B
+7.3% YoY
|
59% |
| Return on Assets ? |
1.49%
+12.4% YoY
+10.1% QoQ
|
+0.49% |
1.00%
+3.5% YoY
|
1.26%
+17.2% YoY
|
1.30%
+12.1% YoY
|
74% |
| Net Interest Margin ? |
4.07%
+3.3% YoY
+1.7% QoQ
|
+0.16% |
3.91%
+2.3% YoY
|
4.00%
+6.8% YoY
|
3.95%
+4.9% YoY
|
59% |
| Efficiency Ratio ? |
51.43%
-3.9% YoY
-7.3% QoQ
|
-67.97% |
119.40%
+49.6% YoY
|
63.00%
-3.5% YoY
|
70.05%
+2.5% YoY
|
Top 11.0% in tier |
| Delinquency Rate ? |
0.96%
-45.7% YoY
-18.3% QoQ
|
-0.52% |
1.48%
+31.8% YoY
|
1.01%
+19.3% YoY
|
0.98%
+16.3% YoY
|
38% |
| Loan-to-Deposit Ratio ? |
77.70%
+2.9% YoY
+2.7% QoQ
|
+3.49% |
74.21%
+12.6% YoY
|
78.29%
-0.6% YoY
|
79.03%
+2.3% YoY
|
33% |
| Non-Interest-Bearing Deposit Share ? |
25.31%
+10.9% YoY
+5.3% QoQ
|
+1.82% |
23.49%
+0.6% YoY
|
21.79%
+0.9% YoY
|
21.98%
-0.6% YoY
|
59% |
| Nonperforming Asset Ratio ? |
0.66%
-44.0% YoY
-16.4% QoQ
|
-0.18% |
0.84%
+23.0% YoY
|
0.76%
+16.9% YoY
|
0.69%
+15.8% YoY
|
33% |
| Tier 1 Capital Ratio ? |
16.19%
-5.4% YoY
+0.4% QoQ
|
-10.94% |
27.13%
+3.0% YoY
|
15.35%
-0.4% YoY
|
17.09%
+0.8% YoY
|
54% |
| Non-Interest Income / Assets ? |
0.17%
+7.7% YoY
+92.6% QoQ
|
-1.21% |
1.38%
+6.3% YoY
|
0.31%
+3.9% YoY
|
0.66%
+5.2% YoY
|
63% |
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 |
25.3%
+2.5pp YoY +1.3pp QoQ |
+0.7pp | 24.6% | 21.9% | 22.2% | 57% |
| Brokered Deposits | n/a | n/a | 9.8% | 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 |
8.9%
-1.7pp YoY +0.4pp QoQ |
-4.5pp | 13.4% | 14.6% | 12.5% | 46% |
| CRE |
2.9%
-1.0pp YoY 0.0pp QoQ |
-22.3pp | 25.2% | 36.5% | 41.4% | 1% |
| 1-4 Family |
5.7%
-0.4pp YoY -0.4pp QoQ |
-29.3pp | 35.0% | 29.4% | 31.3% | 15% |
| Consumer |
3.8%
-0.1pp YoY -0.2pp QoQ |
-3.9pp | 7.7% | 4.5% | 5.0% | 40% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
16.2%
-0.9pp YoY +0.1pp QoQ |
-22.5pp | 38.7% | 16.5% | 19.7% | 30% |
| Leverage Ratio |
11.6%
-0.4pp YoY +0.6pp QoQ |
-6.1pp | 17.7% | 11.0% | 12.6% | 36% |
| Total Capital Ratio |
17.4%
-0.9pp YoY +0.1pp QoQ |
-22.2pp | 39.7% | 17.6% | 20.8% | 31% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
9
-1 (-10.0%) YoY 0 QoQ |
-3 | 12 | 55 | 482 | 36% |
| Assets per Employee ($) |
$7.6M
+13.9% YoY +0.4% QoQ |
+$1.5M | $6.2M | $8.6M | $8.8M | 75% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 4 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.4% | 0.4% | n/a |
| Nonaccrual |
1.0%
-0.2pp QoQ |
-0.8pp | 1.7% | 1.0% | 1.0% | 56% |
| Allowance Coverage |
1.64x
+63.7% YoY +18.9% QoQ |
-4.77x | 6.41x | 20.41x | 20.23x | 56% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY |
-0.2pp | 0.2% | 0.2% | 0.2% | 39% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
13.6%
+1.6pp YoY +1.1pp QoQ |
+7.2pp | 6.4% | 13.1% | 11.6% | 79% |
| Cost of Funds (YTD) |
1.8%
-0.3pp YoY 0.0pp QoQ |
+0.4pp | 1.4% | 1.7% | 1.7% | 74% |
| Net Income ($, YTD) |
$514,000
+14.0% YoY — QoQ |
+$196K | $317,817 | $4.5M | $40.4M | 76% |
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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.