BlastPoint's Banking Scorecard

State Bank of New Richland

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

New Richland, MN

2664 banks in the $100M-$1B peer group nationally 152 in 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 23.9% in tier
+ Efficiency Ratio 26.28% below tier average
+ Delinquency Rate 0.72% below tier average

Key Concerns

Areas that may need attention

- Capital Constraint: Bottom 58.3% in tier
- Net Interest Margin 0.37% below tier average

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

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Total Assets ?	$125.5M +1.2% YoY -0.5% QoQ	-$260.6M	$386.1M +0.5% YoY	$512.9M +5.5% YoY	$6.2B +9.1% YoY	Bottom 7.6% in tier
Total Loans ?	$111.8M +2.0% YoY +0.3% QoQ	-$143.9M	$255.7M +1.1% YoY	$288.3M +6.9% YoY	$3.2B +10.8% YoY	23%
Total Deposits ?	$78.1M -6.7% YoY -7.6% QoQ	-$249.9M	$328.0M +0.1% YoY	$443.8M +5.0% YoY	$4.8B +8.2% YoY	Bottom 0.8% in tier
Return on Assets ?	2.12% +29.0% YoY +37.0% QoQ	+0.85%	1.27% +12.9% YoY	1.13% +10.7% YoY	1.23% +13.4% YoY	Top 9.9% in tier
Net Interest Margin ?	3.56% +12.8% YoY +6.7% QoQ	-0.37%	3.93% +6.0% YoY	3.93% +7.5% YoY	3.89% +5.7% YoY	34%
Efficiency Ratio ?	39.01% -19.9% YoY -22.2% QoQ	-26.28%	65.29% -4.5% YoY	64.77% -3.3% YoY	66.95% -4.1% YoY	Top 3.1% in tier
Delinquency Rate ?	0.16% -18.1% YoY -8.4% QoQ	-0.72%	0.89% +18.8% YoY	1.04% +28.9% YoY	0.95% +18.8% YoY	68%
Loan-to-Deposit Ratio ?	143.16% +9.3% YoY +8.5% QoQ	+66.53%	76.64% +0.8% YoY	76.69% -0.4% YoY	76.70% +0.9% YoY	Bottom 0.2% in tier
Non-Interest-Bearing Deposit Share ?	22.01% +15.6% YoY +4.1% QoQ	-0.01%	22.02% -1.0% YoY	21.87% -0.9% YoY	22.01% -1.2% YoY	54%
Nonperforming Asset Ratio ?	0.15% -17.5% YoY -7.6% QoQ	-0.49%	0.64% +19.7% YoY	0.77% +27.1% YoY	0.67% +19.3% YoY	65%
Tier 1 Capital Ratio ?	11.52% +2.3% YoY +6.7% QoQ	-4.31%	15.83% +1.5% YoY	15.37% +0.7% YoY	17.06% +0.8% YoY	29%
Non-Interest Income / Assets ?	0.04% -18.7% YoY -75.4% QoQ	-0.24%	0.28% +9.3% YoY	0.16% +5.0% YoY	0.32% +4.1% YoY	Bottom 14.1% in tier

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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

#160 of 666 • Top 23.9% in tier

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

Why this signature

Return on Assets: 2.12%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ

Concerns (1)

Capital Constraint

risk

#64 of 108 • Bottom 58.3% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.

Why this signature

Loan-to-Deposit Ratio: 143.16%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

Tier 1 Capital Ratio: 11.52%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

108 of 108 Community banks match · 148 nationally

↑ Growing +19 banks QoQ

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 (2 metrics)

Efficiency Ratio

profitability

Value: 39.01%

Peer Median: 65.29%

#84 of 2664 Top 3.1% in $100M-$1B

265

Return on Assets

profitability

Value: 2.12%

Peer Median: 1.27%

#265 of 2664 Top 9.9% in $100M-$1B

Top Weaknesses (5 metrics)

2660

Loan-to-Deposit Ratio

liquidity

Value: 143.16%

Peer Median: 76.64%

#2660 of 2664 Bottom 0.2% in $100M-$1B

2644

Total Deposits

size

Value: $78.10M

Peer Median: $327.97M

#2644 of 2664 Bottom 0.8% in $100M-$1B

2463

Total Assets

size

Value: $125.47M

Peer Median: $386.08M

#2463 of 2664 Bottom 7.6% in $100M-$1B

2289

Non-Interest Income / Assets

revenue_mix

Value: 0.04%

Peer Median: 0.28%

#2289 of 2664 Bottom 14.1% in $100M-$1B

2042

Total Loans

size

Value: $111.81M

Peer Median: $255.72M

#2042 of 2664 Bottom 23.4% in $100M-$1B