BlastPoint's Banking Scorecard
First State Bank of Fountain
Designations: ✓ Community bank
Fountain, MN
First State Bank of Fountain has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 1.37% below tier average
- + Nonperforming Asset Ratio 0.79% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.56% below tier average
- - ROA 0.73% below tier average
- - Efficiency Ratio 9.14% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$41.0M
+3.7% YoY
+3.5% QoQ
|
-$21.1M |
$62.2M
-0.6% YoY
|
$512.9M
+5.5% YoY
|
$6.2B
+9.1% YoY
|
23% |
| Total Loans ? |
$10.4M
-11.7% YoY
-7.0% QoQ
|
-$23.8M |
$34.2M
-1.4% YoY
|
$288.3M
+6.9% YoY
|
$3.2B
+10.8% YoY
|
Bottom 11.6% in tier |
| Total Deposits ? |
$38.6M
+2.8% YoY
+3.9% QoQ
|
-$13.2M |
$51.7M
-0.7% YoY
|
$443.8M
+5.0% YoY
|
$4.8B
+8.2% YoY
|
29% |
| Return on Assets ? |
0.11%
+217.4% YoY
+102.5% QoQ
|
-0.73% |
0.84%
-2.3% YoY
|
1.13%
+10.7% YoY
|
1.23%
+13.4% YoY
|
17% |
| Net Interest Margin ? |
2.30%
+0.3% YoY
-0.8% QoQ
|
-1.56% |
3.86%
+2.8% YoY
|
3.93%
+7.5% YoY
|
3.89%
+5.7% YoY
|
Bottom 5.0% in tier |
| Efficiency Ratio ? |
97.48%
-10.4% YoY
-2.2% QoQ
|
+9.14% |
88.34%
+0.3% YoY
|
64.77%
-3.3% YoY
|
66.95%
-4.1% YoY
|
Bottom 14.6% in tier |
| Delinquency Rate ? |
0.00%
-100.0% YoY
|
-1.37% |
1.37%
+33.8% YoY
|
1.04%
+28.9% YoY
|
0.95%
+18.8% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
26.97%
-14.1% YoY
-10.5% QoQ
|
-37.25% |
64.22%
-0.7% YoY
|
76.69%
-0.4% YoY
|
76.70%
+0.9% YoY
|
Top 7.2% in tier |
| Non-Interest-Bearing Deposit Share ? |
20.23%
-2.2% YoY
-3.7% QoQ
|
-3.49% |
23.71%
+0.3% YoY
|
21.87%
-0.9% YoY
|
22.01%
-1.2% YoY
|
39% |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
|
-0.79% |
0.79%
+28.2% YoY
|
0.77%
+27.1% YoY
|
0.67%
+19.3% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
16.36%
+1.2% YoY
-5.9% QoQ
|
-10.33% |
26.68%
+2.0% YoY
|
15.37%
+0.7% YoY
|
17.06%
+0.8% YoY
|
56% |
| Non-Interest Income / Assets ? |
0.07%
+4.1% YoY
-73.9% QoQ
|
-0.60% |
0.67%
+1.9% YoY
|
0.16%
+5.0% YoY
|
0.32%
+4.1% YoY
|
53% |
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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.