BlastPoint's Banking Scorecard
Marshall County State Bank
Designations: ✓ Community bank
Newfolden, 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 +9.4% year over year ($38.2M on the books).
- Delinquency rate 0.00%.
- Return on assets 1.46%.
- Efficiency ratio 47.66% vs a 119.40% peer average.
- Loan-to-deposit ratio 37.20% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Marshall County State Bank has 4 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 71.73% below tier average
- + Delinquency Rate 1.48% below tier average
- + Nonperforming Asset Ratio 0.84% below tier average
- + ROA 0.46% above tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.85% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$45.4M
+7.6% YoY
+2.8% QoQ
|
-$17.0M |
$62.4M
-0.0% YoY
|
$524.5M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
27% |
| Total Loans ? |
$14.2M
+3.2% YoY
+1.7% QoQ
|
-$20.7M |
$34.9M
-0.6% YoY
|
$300.2M
+7.3% YoY
|
$3.2B
+9.4% YoY
|
17% |
| Total Deposits ? |
$38.2M
+9.4% YoY
+3.1% QoQ
|
-$13.4M |
$51.6M
-0.2% YoY
|
$452.1M
+5.5% YoY
|
$4.9B
+7.3% YoY
|
28% |
| Return on Assets ? |
1.46%
+7.6% YoY
+5.9% QoQ
|
+0.46% |
1.00%
+3.5% YoY
|
1.26%
+17.2% YoY
|
1.30%
+12.1% YoY
|
73% |
| Net Interest Margin ? |
3.06%
-1.7% YoY
+1.5% QoQ
|
-0.85% |
3.91%
+2.3% YoY
|
4.00%
+6.8% YoY
|
3.95%
+4.9% YoY
|
17% |
| Efficiency Ratio ? |
47.66%
-3.8% YoY
+0.2% QoQ
|
-71.73% |
119.40%
+49.6% YoY
|
63.00%
-3.5% YoY
|
70.05%
+2.5% YoY
|
Top 6.9% in tier |
| Delinquency Rate ? | 0.00% | -1.48% |
1.48%
+31.8% YoY
|
1.01%
+19.3% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
37.20%
-5.7% YoY
-1.3% QoQ
|
-37.01% |
74.21%
+12.6% YoY
|
78.29%
-0.6% YoY
|
79.03%
+2.3% YoY
|
Top 14.4% in tier |
| Non-Interest-Bearing Deposit Share ? |
18.66%
+2.0% YoY
-7.4% QoQ
|
-4.83% |
23.49%
+0.6% YoY
|
21.79%
+0.9% YoY
|
21.98%
-0.6% YoY
|
35% |
| Nonperforming Asset Ratio ? | 0.00% | -0.84% |
0.84%
+23.0% YoY
|
0.76%
+16.9% YoY
|
0.69%
+15.8% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
60.73%
-0.1% YoY
+6.9% QoQ
|
+33.61% |
27.13%
+3.0% YoY
|
15.35%
-0.4% YoY
|
17.09%
+0.8% YoY
|
Top 6.7% in tier |
| Non-Interest Income / Assets ? |
0.07%
-7.0% YoY
+122.3% QoQ
|
-1.31% |
1.38%
+6.3% YoY
|
0.31%
+3.9% YoY
|
0.66%
+5.2% YoY
|
26% |
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 |
18.7%
+0.4pp YoY -1.5pp QoQ |
-6.0pp | 24.6% | 21.9% | 22.2% | 31% |
| 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 |
6.4%
-0.8pp YoY -1.0pp QoQ |
-7.0pp | 13.4% | 14.6% | 12.5% | 30% |
| CRE | n/a | n/a | 25.2% | 36.5% | 41.4% | n/a |
| 1-4 Family |
48.4%
+1.9pp YoY +0.3pp QoQ |
+13.5pp | 35.0% | 29.4% | 31.3% | 70% |
| Consumer |
16.9%
-1.0pp YoY -1.3pp QoQ |
+9.3pp | 7.7% | 4.5% | 5.0% | 92% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
60.7%
-0.1pp YoY +3.9pp QoQ |
+22.0pp | 38.7% | 16.5% | 19.7% | 89% |
| Leverage Ratio |
15.8%
-0.7pp YoY 0.0pp QoQ |
-1.9pp | 17.7% | 11.0% | 12.6% | 74% |
| Total Capital Ratio |
62.0%
-0.1pp YoY +3.9pp QoQ |
+22.3pp | 39.7% | 17.6% | 20.8% | 89% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
5
0 YoY 0 QoQ |
-7 | 12 | 55 | 482 | 7% |
| Assets per Employee ($) |
$9.1M
+7.6% YoY +2.8% QoQ |
+$2.9M | $6.2M | $8.6M | $8.8M | 88% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 4 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.4% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 1.7% | 1.0% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 6.41x | 20.41x | 20.23x | n/a |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.2% | 0.2% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
9.4%
+1.2pp YoY +0.6pp QoQ |
+3.0pp | 6.4% | 13.1% | 11.6% | 58% |
| Cost of Funds (YTD) |
1.7%
-0.3pp YoY 0.0pp QoQ |
+0.3pp | 1.4% | 1.7% | 1.7% | 71% |
| Net Income ($, YTD) |
$325,000
+15.2% YoY — QoQ |
+$7K | $317,817 | $4.5M | $40.4M | 55% |
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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.