BlastPoint's Banking Scorecard
Marshall County State Bank
Designations: ✓ Community bank
Newfolden, MN
Marshall County State Bank has 4 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 40.78% below tier average
- + Delinquency Rate 1.37% below tier average
- + Nonperforming Asset Ratio 0.79% below tier average
- + ROA 0.54% above tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.84% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$44.2M
+8.1% YoY
+0.2% QoQ
|
-$18.0M |
$62.2M
-0.6% YoY
|
$512.9M
+5.5% YoY
|
$6.2B
+9.1% YoY
|
26% |
| Total Loans ? |
$14.0M
+1.8% YoY
+2.3% QoQ
|
-$20.3M |
$34.2M
-1.4% YoY
|
$288.3M
+6.9% YoY
|
$3.2B
+10.8% YoY
|
18% |
| Total Deposits ? |
$37.1M
+9.5% YoY
+0.3% QoQ
|
-$14.6M |
$51.7M
-0.7% YoY
|
$443.8M
+5.0% YoY
|
$4.8B
+8.2% YoY
|
27% |
| Return on Assets ? |
1.38%
-0.5% YoY
+4.9% QoQ
|
+0.54% |
0.84%
-2.3% YoY
|
1.13%
+10.7% YoY
|
1.23%
+13.4% YoY
|
73% |
| Net Interest Margin ? |
3.02%
-7.7% YoY
-1.2% QoQ
|
-0.84% |
3.86%
+2.8% YoY
|
3.93%
+7.5% YoY
|
3.89%
+5.7% YoY
|
18% |
| Efficiency Ratio ? |
47.56%
-3.7% YoY
-5.5% QoQ
|
-40.78% |
88.34%
+0.3% YoY
|
64.77%
-3.3% YoY
|
66.95%
-4.1% YoY
|
Top 7.4% in tier |
| Delinquency Rate ? | 0.00% | -1.37% |
1.37%
+33.8% YoY
|
1.04%
+28.9% YoY
|
0.95%
+18.8% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
37.70%
-7.0% YoY
+2.1% QoQ
|
-26.51% |
64.22%
-0.7% YoY
|
76.69%
-0.4% YoY
|
76.70%
+0.9% YoY
|
84% |
| Non-Interest-Bearing Deposit Share ? |
20.15%
-0.4% YoY
-0.7% QoQ
|
-3.56% |
23.71%
+0.3% YoY
|
21.87%
-0.9% YoY
|
22.01%
-1.2% YoY
|
38% |
| Nonperforming Asset Ratio ? | 0.00% | -0.79% |
0.79%
+28.2% YoY
|
0.77%
+27.1% YoY
|
0.67%
+19.3% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
56.81%
+1.4% YoY
-4.8% QoQ
|
+30.12% |
26.68%
+2.0% YoY
|
15.37%
+0.7% YoY
|
17.06%
+0.8% YoY
|
Top 6.5% in tier |
| Non-Interest Income / Assets ? |
0.03%
-19.0% YoY
-77.1% QoQ
|
-0.63% |
0.67%
+1.9% YoY
|
0.16%
+5.0% YoY
|
0.32%
+4.1% YoY
|
24% |
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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
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