BlastPoint's Banking Scorecard

State Bank of Lake Park

under $100M Specialty: Other MN FDIC cert 9351

Designations: ✓ Community bank

Lake Park, MN

2 branches across MN

537 banks in the under $100M peer group nationally 54 in MN

State Bank of Lake Park has 2 strengths but faces 2 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 0.48% above tier average
+ Efficiency Ratio 26.07% below tier average

Key Concerns

Areas that may need attention

- Net Interest Margin 0.12% below tier average
- Delinquency Rate 0.34% above tier average

Get updates when State Bank of Lake Park releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Total Assets ?	$45.7M +4.3% YoY -1.0% QoQ	-$16.5M	$62.3M -0.5% YoY	$514.9M +5.5% YoY	$6.2B +9.0% YoY	27%
Total Loans ?	$25.3M +7.9% YoY -0.5% QoQ	-$9.0M	$34.3M -1.5% YoY	$289.5M +6.9% YoY	$3.2B +10.7% YoY	37%
Total Deposits ?	$41.6M +3.2% YoY -0.3% QoQ	-$10.2M	$51.8M -0.6% YoY	$445.6M +5.0% YoY	$4.8B +8.0% YoY	33%
Return on Assets ?	1.33% +90.7% YoY +52.0% QoQ	+0.48%	0.86% -3.6% YoY	1.14% +11.1% YoY	1.24% +13.1% YoY	69%
Net Interest Margin ?	3.75% +10.6% YoY +4.5% QoQ	-0.12%	3.87% +2.7% YoY	3.93% +7.5% YoY	3.89% +5.7% YoY	47%
Efficiency Ratio ?	61.56% -22.8% YoY -9.2% QoQ	-26.07%	87.63% +2.3% YoY	64.52% -3.4% YoY	66.84% -3.8% YoY	71%
Delinquency Rate ?	1.70% -4.7% YoY +5.9% QoQ	+0.34%	1.36% +33.7% YoY	1.04% +28.5% YoY	0.95% +18.8% YoY	24%
Loan-to-Deposit Ratio ?	60.84% +4.5% YoY -0.2% QoQ	-3.27%	64.11% -0.9% YoY	76.74% -0.5% YoY	76.69% +0.9% YoY	57%
Non-Interest-Bearing Deposit Share ?	21.93% +1.6% YoY +1.9% QoQ	-1.86%	23.79% +0.5% YoY	21.89% -0.8% YoY	22.01% -1.1% YoY	45%
Nonperforming Asset Ratio ?	0.94% -1.4% YoY +6.5% QoQ	+0.17%	0.77% +28.7% YoY	0.77% +26.8% YoY	0.66% +19.3% YoY	24%
Tier 1 Capital Ratio ?	10.63% +3.9% YoY -0.0% QoQ	-16.15%	26.77% +2.0% YoY	15.37% +0.7% YoY	17.06% +0.8% YoY	Bottom 10.1% in tier
Non-Interest Income / Assets ?	0.04% -9.2% YoY -69.2% QoQ	-0.63%	0.67% +1.6% YoY	0.15% +3.6% YoY	0.32% +4.0% YoY	31%

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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 (0)

No matched concern signatures this quarter

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 537 peers in under $100M

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (3 metrics)

484

Tier 1 Capital Ratio

capital

Value: 10.63%

Peer Median: 26.77%

#484 of 537 Bottom 10.1% in under $100M

393

Delinquency Rate

credit_quality

Value: 1.70%

Peer Median: 1.36%

#393 of 517 Bottom 24.2% in under $100M

408

Nonperforming Asset Ratio

credit_quality

Value: 0.94%

Peer Median: 0.77%

#408 of 537 Bottom 24.2% in under $100M