BlastPoint's Banking Scorecard
State Bank of Lake Park
Designations: ✓ Community bank
Lake Park, MN
2 branches across 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 +7.5% year over year ($42.5M on the books).
- Delinquency rate 1.55%.
- Return on assets 1.38%.
- Efficiency ratio 60.53% vs a 119.40% peer average.
- Loan-to-deposit ratio 60.72% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
State Bank of Lake Park has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.38% above tier average
- + Efficiency Ratio 58.87% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.17% below tier average
- - Delinquency Rate 0.07% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$47.0M
+8.1% YoY
+2.6% QoQ
|
-$15.4M |
$62.4M
-0.0% YoY
|
$524.5M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
29% |
| Total Loans ? |
$25.8M
+12.7% YoY
+1.8% QoQ
|
-$9.1M |
$34.9M
-0.6% YoY
|
$300.2M
+7.3% YoY
|
$3.2B
+9.4% YoY
|
37% |
| Total Deposits ? |
$42.5M
+7.5% YoY
+2.1% QoQ
|
-$9.1M |
$51.6M
-0.2% YoY
|
$452.1M
+5.5% YoY
|
$4.9B
+7.3% YoY
|
34% |
| Return on Assets ? |
1.38%
+42.6% YoY
+3.5% QoQ
|
+0.38% |
1.00%
+3.5% YoY
|
1.26%
+17.2% YoY
|
1.30%
+12.1% YoY
|
71% |
| Net Interest Margin ? |
3.74%
+10.8% YoY
-0.5% QoQ
|
-0.17% |
3.91%
+2.3% YoY
|
4.00%
+6.8% YoY
|
3.95%
+4.9% YoY
|
42% |
| Efficiency Ratio ? |
60.53%
-15.7% YoY
-1.2% QoQ
|
-58.87% |
119.40%
+49.6% YoY
|
63.00%
-3.5% YoY
|
70.05%
+2.5% YoY
|
72% |
| Delinquency Rate ? |
1.55%
-14.8% YoY
-8.6% QoQ
|
+0.07% |
1.48%
+31.8% YoY
|
1.01%
+19.3% YoY
|
0.98%
+16.3% YoY
|
27% |
| Loan-to-Deposit Ratio ? |
60.72%
+4.8% YoY
-0.3% QoQ
|
-13.49% |
74.21%
+12.6% YoY
|
78.29%
-0.6% YoY
|
79.03%
+2.3% YoY
|
58% |
| Non-Interest-Bearing Deposit Share ? |
20.36%
+0.5% YoY
-7.1% QoQ
|
-3.13% |
23.49%
+0.6% YoY
|
21.79%
+0.9% YoY
|
21.98%
-0.6% YoY
|
41% |
| Nonperforming Asset Ratio ? |
0.85%
-11.3% YoY
-9.3% QoQ
|
+0.01% |
0.84%
+23.0% YoY
|
0.76%
+16.9% YoY
|
0.69%
+15.8% YoY
|
28% |
| Tier 1 Capital Ratio ? |
10.98%
-0.0% YoY
+2.2% QoQ
|
-16.14% |
27.13%
+3.0% YoY
|
15.35%
-0.4% YoY
|
17.09%
+0.8% YoY
|
Bottom 12.3% in tier |
| Non-Interest Income / Assets ? |
0.07%
-10.3% YoY
+73.3% QoQ
|
-1.31% |
1.38%
+6.3% YoY
|
0.31%
+3.9% YoY
|
0.66%
+5.2% YoY
|
25% |
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 |
20.4%
+0.1pp YoY -1.6pp QoQ |
-4.3pp | 24.6% | 21.9% | 22.2% | 38% |
| 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 |
7.7%
-1.2pp YoY -0.4pp QoQ |
-5.7pp | 13.4% | 14.6% | 12.5% | 37% |
| CRE |
15.4%
-0.2pp QoQ |
-9.8pp | 25.2% | 36.5% | 41.4% | 33% |
| 1-4 Family |
52.1%
+1.2pp YoY +0.9pp QoQ |
+17.2pp | 35.0% | 29.4% | 31.3% | 74% |
| Consumer |
10.9%
-1.7pp YoY -0.5pp QoQ |
+3.2pp | 7.7% | 4.5% | 5.0% | 80% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 16.5% | 19.7% | n/a |
| Leverage Ratio |
11.0%
0.0pp YoY +0.2pp QoQ |
-6.7pp | 17.7% | 11.0% | 12.6% | 28% |
| Total Capital Ratio | n/a | n/a | 39.7% | 17.6% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
7
0 YoY 0 QoQ |
-5 | 12 | 55 | 482 | 20% |
| Assets per Employee ($) |
$6.7M
+8.1% YoY +2.6% QoQ |
+$526K | $6.2M | $8.6M | $8.8M | 62% |
| Branch Count |
2
0 YoY 0 QoQ |
+0 | 1 | 4 | 18 | 63% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.4% | 0.4% | n/a |
| Nonaccrual |
1.5%
-0.3pp YoY -0.1pp QoQ |
-0.2pp | 1.7% | 1.0% | 1.0% | 67% |
| Allowance Coverage |
1.15x
+45.8% YoY +7.3% QoQ |
-5.26x | 6.41x | 20.41x | 20.23x | 47% |
| Net Charge-off Rate (YTD) |
0.1%
+0.1pp YoY |
-0.1pp | 0.2% | 0.2% | 0.2% | 64% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
15.2%
+3.1pp YoY +0.4pp QoQ |
+8.8pp | 6.4% | 13.1% | 11.6% | 84% |
| Cost of Funds (YTD) |
1.6%
-0.2pp YoY +0.1pp QoQ |
+0.1pp | 1.4% | 1.7% | 1.7% | 60% |
| Net Income ($, YTD) |
$319,000
+50.5% YoY — QoQ |
+$1K | $317,817 | $4.5M | $40.4M | 54% |
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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.