BlastPoint's Banking Scorecard
Bank of Maple Plain
Designations: ✓ Community bank
Maple Plain, 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 -1.5% year over year ($74.7M on the books).
- Delinquency rate 1.83%.
- Return on assets 0.92%.
- Efficiency ratio 71.96% vs a 119.40% peer average.
- Loan-to-deposit ratio 51.96% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Bank of Maple Plain has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 47.43% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.08% below tier average
- - Net Interest Margin 0.79% below tier average
- - Delinquency Rate 0.35% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$85.5M
-0.4% YoY
+0.4% QoQ
|
+$23.1M |
$62.4M
-0.0% YoY
|
$524.5M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
79% |
| Total Loans ? |
$38.8M
-4.3% YoY
-1.8% QoQ
|
+$3.9M |
$34.9M
-0.6% YoY
|
$300.2M
+7.3% YoY
|
$3.2B
+9.4% YoY
|
61% |
| Total Deposits ? |
$74.7M
-1.5% YoY
-0.1% QoQ
|
+$23.1M |
$51.6M
-0.2% YoY
|
$452.1M
+5.5% YoY
|
$4.9B
+7.3% YoY
|
83% |
| Return on Assets ? |
0.92%
+228.1% YoY
-4.5% QoQ
|
-0.08% |
1.00%
+3.5% YoY
|
1.26%
+17.2% YoY
|
1.30%
+12.1% YoY
|
46% |
| Net Interest Margin ? |
3.12%
+13.9% YoY
+0.6% QoQ
|
-0.79% |
3.91%
+2.3% YoY
|
4.00%
+6.8% YoY
|
3.95%
+4.9% YoY
|
18% |
| Efficiency Ratio ? |
71.96%
-16.8% YoY
-0.2% QoQ
|
-47.43% |
119.40%
+49.6% YoY
|
63.00%
-3.5% YoY
|
70.05%
+2.5% YoY
|
48% |
| Delinquency Rate ? |
1.83%
+1.3% YoY
+223.7% QoQ
|
+0.35% |
1.48%
+31.8% YoY
|
1.01%
+19.3% YoY
|
0.98%
+16.3% YoY
|
23% |
| Loan-to-Deposit Ratio ? |
51.96%
-2.8% YoY
-1.7% QoQ
|
-22.25% |
74.21%
+12.6% YoY
|
78.29%
-0.6% YoY
|
79.03%
+2.3% YoY
|
68% |
| Non-Interest-Bearing Deposit Share ? |
28.53%
-4.3% YoY
-3.1% QoQ
|
+5.04% |
23.49%
+0.6% YoY
|
21.79%
+0.9% YoY
|
21.98%
-0.6% YoY
|
70% |
| Nonperforming Asset Ratio ? |
0.83%
-2.6% YoY
+216.6% QoQ
|
-0.01% |
0.84%
+23.0% YoY
|
0.76%
+16.9% YoY
|
0.69%
+15.8% YoY
|
29% |
| Tier 1 Capital Ratio ? |
27.31%
+4.5% YoY
-10.1% QoQ
|
+0.19% |
27.13%
+3.0% YoY
|
15.35%
-0.4% YoY
|
17.09%
+0.8% YoY
|
82% |
| Non-Interest Income / Assets ? |
0.17%
-21.4% YoY
+101.9% 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 |
28.5%
-1.3pp YoY -0.9pp QoQ |
+3.9pp | 24.6% | 21.9% | 22.2% | 68% |
| 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 |
28.7%
-0.5pp YoY +1.1pp QoQ |
+15.3pp | 13.4% | 14.6% | 12.5% | 89% |
| CRE | n/a | n/a | 25.2% | 36.5% | 41.4% | n/a |
| 1-4 Family |
39.7%
+1.7pp YoY +1.5pp QoQ |
+4.7pp | 35.0% | 29.4% | 31.3% | 61% |
| Consumer |
3.5%
0.0pp YoY 0.0pp QoQ |
-4.2pp | 7.7% | 4.5% | 5.0% | 36% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
27.3%
+1.2pp YoY -3.1pp QoQ |
-11.4pp | 38.7% | 16.5% | 19.7% | 68% |
| Leverage Ratio |
14.1%
+0.1pp YoY +0.3pp QoQ |
-3.6pp | 17.7% | 11.0% | 12.6% | 62% |
| Total Capital Ratio |
28.6%
+1.2pp YoY -3.1pp QoQ |
-11.1pp | 39.7% | 17.6% | 20.8% | 68% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
12
0 YoY 0 QoQ |
-0 | 12 | 55 | 482 | 56% |
| Assets per Employee ($) |
$7.1M
-0.4% YoY +0.4% QoQ |
+$938K | $6.2M | $8.6M | $8.8M | 68% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 4 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
1.3%
+1.1pp YoY |
+0.3pp | 1.0% | 0.4% | 0.4% | 79% |
| Nonaccrual |
0.5%
-1.1pp YoY 0.0pp QoQ |
-1.2pp | 1.7% | 1.0% | 1.0% | 42% |
| Allowance Coverage |
0.81x
+7.2% YoY -68.7% QoQ |
-5.60x | 6.41x | 20.41x | 20.23x | 38% |
| Net Charge-off Rate (YTD) |
0.0%
-0.2pp YoY 0.0pp QoQ |
-0.1pp | 0.2% | 0.2% | 0.2% | 49% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
8.2%
+5.3pp YoY -0.5pp QoQ |
+1.8pp | 6.4% | 13.1% | 11.6% | 50% |
| Cost of Funds (YTD) |
1.2%
-0.2pp YoY 0.0pp QoQ |
-0.2pp | 1.4% | 1.7% | 1.7% | 39% |
| Net Income ($, YTD) |
$392,000
+221.3% YoY — QoQ |
+$74K | $317,817 | $4.5M | $40.4M | 62% |
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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.