BlastPoint's Banking Scorecard

Battle Bank, National Association

$100M-$1B Specialty: Other MN FDIC cert 9336

Upsala, MN

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

Battle Bank, National Association has 2 strengths but faces 4 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

+ Delinquency Rate 0.89% below tier average
+ Nonperforming Asset Ratio 0.64% below tier average

Key Concerns

Areas that may need attention

- NIB Deposit Bleed: Bottom 4.0% in tier
- Efficiency Drag: Bottom 15.9% in tier
- Return on Assets 10.02% below tier average
- Net Interest Margin 0.83% below tier average

Get updates when Battle Bank, National Association releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Total Assets ?	$137.4M +113.3% YoY +15.9% QoQ	-$248.7M	$386.1M +0.5% YoY	$512.9M +5.5% YoY	$6.2B +9.1% YoY	Bottom 10.3% in tier
Total Loans ?	$7.1M -85.6% YoY +60.6% QoQ	-$248.6M	$255.7M +1.1% YoY	$288.3M +6.9% YoY	$3.2B +10.8% YoY	Bottom 0.5% in tier
Total Deposits ?	$66.0M +47.1% YoY +49.8% QoQ	-$261.9M	$328.0M +0.1% YoY	$443.8M +5.0% YoY	$4.8B +8.2% YoY	Bottom 0.4% in tier
Return on Assets ?	-8.75% -275.7% QoQ	-10.02%	1.27% +12.9% YoY	1.13% +10.7% YoY	1.23% +13.4% YoY	Bottom 0.1% in tier
Net Interest Margin ?	3.10% -24.6% YoY +199.7% QoQ	-0.83%	3.93% +6.0% YoY	3.93% +7.5% YoY	3.89% +5.7% YoY	Bottom 14.2% in tier
Efficiency Ratio ?	436.94% +20.3% QoQ	+371.66%	65.29% -4.5% YoY	64.77% -3.3% YoY	66.95% -4.1% YoY	Bottom 0.1% in tier
Delinquency Rate ?	0.00% -100.0% YoY	-0.89%	0.89% +18.8% YoY	1.04% +28.9% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	10.79% -90.2% YoY +7.2% QoQ	-65.84%	76.64% +0.8% YoY	76.69% -0.4% YoY	76.70% +0.9% YoY	Top 0.5% in tier
Non-Interest-Bearing Deposit Share ?	7.11% -34.1% YoY -34.4% QoQ	-14.91%	22.02% -1.0% YoY	21.87% -0.9% YoY	22.01% -1.2% YoY	Bottom 5.9% in tier
Nonperforming Asset Ratio ?	0.00% -100.0% YoY	-0.64%	0.64% +19.7% YoY	0.77% +27.1% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	47.73% +40.8% YoY -19.7% QoQ	+31.90%	15.83% +1.5% YoY	15.37% +0.7% YoY	17.06% +0.8% YoY	Top 1.0% in tier
Non-Interest Income / Assets ?	0.04% +265.2% QoQ	-0.24%	0.28% +9.3% YoY	0.16% +5.0% YoY	0.32% +4.1% YoY	Bottom 13.8% in tier

Get Full Access to Battle Bank, National Association

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

Want to see an example first? Preview JPMorgan Chase's scorecard →

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 (2)

NIB Deposit Bleed

decline

#9 of 198 • Bottom 4.0% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature

Noninterest-Bearing Deposit Share: 7.11%

(Tier: 22.02%, National: 22.01%)

worse than tier avg

198 of 198 Community banks match · 238 nationally

↓ Shrinking -31 banks QoQ

Efficiency Drag

risk

#67 of 414 • Bottom 15.9% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature

Efficiency Ratio: 436.94%

(Tier: 65.29%, National: 66.95%)

worse than tier avg

414 of 414 Community banks match · 492 nationally

→ Stable

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)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 2654 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.64%

#1 of 2664 Top 0.1% in $100M-$1B

Loan-to-Deposit Ratio

liquidity

Value: 10.79%

Peer Median: 76.64%

#15 of 2664 Top 0.5% in $100M-$1B

Tier 1 Capital Ratio

capital

Value: 47.73%

Peer Median: 15.83%

#27 of 2664 Top 1.0% in $100M-$1B

Top Weaknesses (8 metrics)

2663

Efficiency Ratio

profitability

Value: 436.94%

Peer Median: 65.29%

#2663 of 2664 Bottom 0.1% in $100M-$1B

2662

Return on Assets

profitability

Value: -8.75%

Peer Median: 1.27%

#2662 of 2664 Bottom 0.1% in $100M-$1B

2654

Total Deposits

size

Value: $66.02M

Peer Median: $327.97M

#2654 of 2664 Bottom 0.4% in $100M-$1B

2653

Total Loans

size

Value: $7.13M

Peer Median: $255.72M

#2653 of 2664 Bottom 0.5% in $100M-$1B

2507

Non-Interest-Bearing Deposit Share

funding

Value: 7.11%

Peer Median: 22.02%

#2507 of 2664 Bottom 5.9% in $100M-$1B

2390

Total Assets

size

Value: $137.36M

Peer Median: $386.08M

#2390 of 2664 Bottom 10.3% in $100M-$1B

2297

Non-Interest Income / Assets

revenue_mix

Value: 0.04%

Peer Median: 0.28%

#2297 of 2664 Bottom 13.8% in $100M-$1B

2287

Net Interest Margin

profitability

Value: 3.10%

Peer Median: 3.93%

#2287 of 2664 Bottom 14.2% in $100M-$1B