BlastPoint's Banking Scorecard

State Bank of New Richland

$100M-$1B Specialty: Agricultural MN FDIC cert 9735

New Richland, 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 151 in MN.
Deposits +7.0% year over year ($81.0M on the books).
Delinquency rate 0.30%.
Return on assets 1.97%.
Efficiency ratio 40.28% vs a 64.48% peer average.
Loan-to-deposit ratio 134.85% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 151 in MN

View $100M-$1B leaderboard (MN) →

State Bank of New Richland has 3 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

+ Profitability Leader: Top 30.0% in tier
+ Efficiency Ratio 24.19% below tier average
+ Delinquency Rate 0.62% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 45.0% in tier
- Net Interest Margin 0.43% below tier average

Get updates when State Bank of New Richland releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Total Assets ?	$124.2M +0.2% YoY -1.0% QoQ	-$262.3M	$386.6M +1.2% YoY	$524.5M +5.8% YoY	$6.3B +7.7% YoY	Bottom 6.9% in tier
Total Loans ?	$109.2M -1.1% YoY -2.3% QoQ	-$149.1M	$258.3M +1.7% YoY	$300.2M +7.3% YoY	$3.2B +9.4% YoY	22%
Total Deposits ?	$81.0M +7.0% YoY +3.7% QoQ	-$245.8M	$326.7M +0.7% YoY	$452.1M +5.5% YoY	$4.9B +7.3% YoY	Bottom 1.1% in tier
Return on Assets ?	1.97% +27.3% YoY -7.3% QoQ	+0.65%	1.32% +10.8% YoY	1.26% +17.2% YoY	1.30% +12.1% YoY	Top 13.8% in tier
Net Interest Margin ?	3.55% +8.3% YoY -0.3% QoQ	-0.43%	3.99% +5.0% YoY	4.00% +6.8% YoY	3.95% +4.9% YoY	30%
Efficiency Ratio ?	40.28% -20.3% YoY +3.3% QoQ	-24.19%	64.48% -3.2% YoY	63.00% -3.5% YoY	70.05% +2.5% YoY	Top 4.2% in tier
Delinquency Rate ?	0.30% -38.3% YoY +82.8% QoQ	-0.62%	0.92% +15.7% YoY	1.01% +19.3% YoY	0.98% +16.3% YoY	58%
Loan-to-Deposit Ratio ?	134.85% -7.6% YoY -5.8% QoQ	+56.90%	77.95% +1.0% YoY	78.29% -0.6% YoY	79.03% +2.3% YoY	Bottom 0.4% in tier
Non-Interest-Bearing Deposit Share ?	19.17% -8.4% YoY -12.9% QoQ	-2.86%	22.03% -0.6% YoY	21.79% +0.9% YoY	21.98% -0.6% YoY	41%
Nonperforming Asset Ratio ?	0.26% -39.1% YoY +80.3% QoQ	-0.41%	0.67% +16.4% YoY	0.76% +16.9% YoY	0.69% +15.8% YoY	54%
Tier 1 Capital Ratio ?	11.97% +6.3% YoY +3.9% QoQ	-3.94%	15.91% +1.4% YoY	15.35% -0.4% YoY	17.09% +0.8% YoY	36%
Non-Interest Income / Assets ?	0.09% +8.4% YoY +125.7% QoQ	-0.47%	0.57% +7.6% YoY	0.31% +3.9% YoY	0.66% +5.2% YoY	16%

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	19.2% -1.8pp YoY -2.8pp QoQ	-3.0pp	22.1%	21.9%	22.2%	41%
Brokered Deposits	16.2% +3.5pp YoY +7.5pp QoQ	+8.3pp	7.9%	8.3%	8.5%	87%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
C&I	2.8% -0.3pp YoY 0.0pp QoQ	-8.7pp	11.6%	14.6%	12.5%	9%
CRE	n/a	n/a	39.5%	36.5%	41.4%	n/a
1-4 Family	25.2% +0.9pp YoY +1.3pp QoQ	-7.4pp	32.6%	29.4%	31.3%	41%
Consumer	1.9% +0.2pp YoY +0.3pp QoQ	-2.2pp	4.1%	4.5%	5.0%	46%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
CET1 Ratio	12.0% +0.7pp YoY +0.5pp QoQ	-6.9pp	18.8%	16.5%	19.7%	17%
Leverage Ratio	10.0% +0.4pp YoY +0.4pp QoQ	-2.2pp	12.2%	11.0%	12.6%	30%
Total Capital Ratio	12.9% +0.7pp YoY +0.5pp QoQ	-7.0pp	19.9%	17.6%	20.8%	15%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Full-Time Employees	11 -1 (-8.3%) YoY 0 QoQ	-48	58	55	482	1%
Assets per Employee ($)	$11.3M +9.3% YoY -1.0% QoQ	+$3.8M	$7.5M	$8.6M	$8.8M	91%
Branch Count	1 0 YoY 0 QoQ	-4	4	4	18	0%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Past Due 90+ Days	0.2% -0.2pp YoY +0.1pp QoQ	-0.1pp	0.3%	0.4%	0.4%	62%
Nonaccrual	0.1% 0.0pp YoY 0.0pp QoQ	-0.8pp	0.9%	1.0%	1.0%	21%
Allowance Coverage	3.02x +65.9% YoY -44.1% QoQ	-21.14x	24.15x	20.41x	20.23x	59%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY	-0.1pp	0.1%	0.2%	0.2%	32%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
ROE	20.9% +3.5pp YoY -2.1pp QoQ	+8.7pp	12.2%	13.1%	11.6%	90%
Cost of Funds (YTD)	2.6% -0.3pp YoY 0.0pp QoQ	+0.9pp	1.7%	1.7%	1.7%	92%
Net Income ($, YTD)	$1.2M +27.2% YoY — QoQ	-$1.3M	$2.6M	$4.5M	$40.4M	34%

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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 (1)

Profitability Leader

growth

#199 of 661 • Top 30.0% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 1.97%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank declining

Concerns (1)

Liquidity Strain

risk

#312 of 691 • Bottom 45.0% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 134.85%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

691 of 691 Community banks match · 1092 nationally

→ Stable +81 banks QoQ | QoQ rank improving

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 2643 peers in $100M-$1B

Top Strengths (2 metrics)

113

Efficiency Ratio

profitability

Value: 40.28%

Peer Median: 64.48%

#113 of 2643 Top 4.2% in $100M-$1B

365

Return on Assets

profitability

Value: 1.97%

Peer Median: 1.32%

#365 of 2643 Top 13.8% in $100M-$1B

Top Weaknesses (5 metrics)

2634

Loan-to-Deposit Ratio

liquidity

Value: 134.85%

Peer Median: 77.95%

#2634 of 2643 Bottom 0.4% in $100M-$1B

2615

Total Deposits

size

Value: $80.98M

Peer Median: $326.73M

#2615 of 2643 Bottom 1.1% in $100M-$1B

2462

Total Assets

size

Value: $124.25M

Peer Median: $386.57M

#2462 of 2643 Bottom 6.9% in $100M-$1B

2226

Non-Interest Income / Assets

revenue_mix

Value: 0.09%

Peer Median: 0.57%

#2226 of 2643 Bottom 15.8% in $100M-$1B

2063

Total Loans

size

Value: $109.20M

Peer Median: $258.35M

#2063 of 2643 Bottom 22.0% in $100M-$1B