BlastPoint's Banking Scorecard
21st Century Bank
Loretto, MN
8 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 151 in MN.
- Deposits +5.5% year over year ($658.8M on the books).
- Delinquency rate 0.19%.
- Return on assets 1.31%.
- Efficiency ratio 49.84% vs a 64.48% peer average.
- Loan-to-deposit ratio 101.19% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
21st Century Bank has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 14.64% below tier average
- + Delinquency Rate 0.73% below tier average
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 23.24% above tier average
- - Non-Interest Income / Assets 0.54% below tier average
- - Net Interest Margin 0.36% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$894.8M
+9.2% YoY
+0.8% QoQ
|
+$508.3M |
$386.6M
+1.2% YoY
|
$524.5M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
Top 4.0% in tier |
| Total Loans ? |
$666.6M
+9.5% YoY
-0.5% QoQ
|
+$408.3M |
$258.3M
+1.7% YoY
|
$300.2M
+7.3% YoY
|
$3.2B
+9.4% YoY
|
Top 3.4% in tier |
| Total Deposits ? |
$658.8M
+5.5% YoY
-2.8% QoQ
|
+$332.0M |
$326.7M
+0.7% YoY
|
$452.1M
+5.5% YoY
|
$4.9B
+7.3% YoY
|
Top 9.0% in tier |
| Return on Assets ? |
1.31%
+51.6% YoY
+95.2% QoQ
|
-0.01% |
1.32%
+10.8% YoY
|
1.26%
+17.2% YoY
|
1.30%
+12.1% YoY
|
54% |
| Net Interest Margin ? |
3.63%
+15.1% YoY
+3.0% QoQ
|
-0.36% |
3.99%
+5.0% YoY
|
4.00%
+6.8% YoY
|
3.95%
+4.9% YoY
|
33% |
| Efficiency Ratio ? |
49.84%
-14.3% YoY
-11.8% QoQ
|
-14.64% |
64.48%
-3.2% YoY
|
63.00%
-3.5% YoY
|
70.05%
+2.5% YoY
|
83% |
| Delinquency Rate ? |
0.19%
-21.0% YoY
-50.2% QoQ
|
-0.73% |
0.92%
+15.7% YoY
|
1.01%
+19.3% YoY
|
0.98%
+16.3% YoY
|
66% |
| Loan-to-Deposit Ratio ? |
101.19%
+3.8% YoY
+2.4% QoQ
|
+23.24% |
77.95%
+1.0% YoY
|
78.29%
-0.6% YoY
|
79.03%
+2.3% YoY
|
Bottom 8.6% in tier |
| Non-Interest-Bearing Deposit Share ? |
20.34%
-4.2% YoY
+2.0% QoQ
|
-1.69% |
22.03%
-0.6% YoY
|
21.79%
+0.9% YoY
|
21.98%
-0.6% YoY
|
47% |
| Nonperforming Asset Ratio ? |
0.17%
-34.8% YoY
-49.8% QoQ
|
-0.50% |
0.67%
+16.4% YoY
|
0.76%
+16.9% YoY
|
0.69%
+15.8% YoY
|
64% |
| Tier 1 Capital Ratio ? |
14.71%
-3.1% YoY
+2.1% QoQ
|
-1.20% |
15.91%
+1.4% YoY
|
15.35%
-0.4% YoY
|
17.09%
+0.8% YoY
|
63% |
| Non-Interest Income / Assets ? |
0.02%
-34.6% YoY
+98.5% QoQ
|
-0.54% |
0.57%
+7.6% YoY
|
0.31%
+3.9% YoY
|
0.66%
+5.2% YoY
|
Bottom 2.1% in tier |
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 |
20.3%
-0.9pp YoY +0.4pp QoQ |
-1.8pp | 22.1% | 21.9% | 22.2% | 46% |
| Brokered Deposits |
0.6%
-0.7pp QoQ |
-7.2pp | 7.9% | 8.3% | 8.5% | 13% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
15.3%
-1.7pp YoY +0.4pp QoQ |
+3.8pp | 11.6% | 14.6% | 12.5% | 77% |
| CRE |
75.3%
+1.4pp YoY -0.9pp QoQ |
+35.8pp | 39.5% | 36.5% | 41.4% | 96% |
| 1-4 Family |
9.4%
+0.4pp YoY +0.5pp QoQ |
-23.2pp | 32.6% | 29.4% | 31.3% | 10% |
| Consumer |
0.1%
+0.1pp YoY 0.0pp QoQ |
-4.0pp | 4.1% | 4.5% | 5.0% | 4% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
14.7%
-0.5pp YoY +0.3pp QoQ |
-4.1pp | 18.8% | 16.5% | 19.7% | 46% |
| Leverage Ratio |
10.7%
0.0pp YoY +0.2pp QoQ |
-1.5pp | 12.2% | 11.0% | 12.6% | 44% |
| Total Capital Ratio |
15.7%
-0.5pp YoY +0.3pp QoQ |
-4.2pp | 19.9% | 17.6% | 20.8% | 45% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
64
+5 (+8.5%) YoY +1 (+1.6%) QoQ |
+5 | 58 | 55 | 482 | 66% |
| Assets per Employee ($) |
$14.0M
+0.7% YoY -0.8% QoQ |
+$6.5M | $7.5M | $8.6M | $8.8M | 96% |
| Branch Count |
8
0 YoY 0 QoQ |
+3 | 4 | 4 | 18 | 82% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.4% | 0.4% | n/a |
| Nonaccrual |
0.2%
-0.1pp YoY -0.2pp QoQ |
-0.7pp | 0.9% | 1.0% | 1.0% | 29% |
| Allowance Coverage |
4.74x
+21.9% YoY +105.9% QoQ |
-19.41x | 24.15x | 20.41x | 20.23x | 69% |
| Net Charge-off Rate (YTD) |
0.1%
+0.1pp YoY 0.0pp QoQ |
0.0pp | 0.1% | 0.2% | 0.2% | 77% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
13.9%
+4.9pp YoY +6.8pp QoQ |
+1.7pp | 12.2% | 13.1% | 11.6% | 61% |
| Cost of Funds (YTD) |
2.3%
-0.3pp YoY 0.0pp QoQ |
+0.6pp | 1.7% | 1.7% | 1.7% | 84% |
| Net Income ($, YTD) |
$5.8M
+67.0% YoY — QoQ |
+$3.3M | $2.6M | $4.5M | $40.4M | 91% |
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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.