BlastPoint's Banking Scorecard

Community Bank Mankato

$100M-$1B Specialty: Commercial MN FDIC cert 9760

Vernon Center, MN

5 branches across MN

2664 banks in the $100M-$1B peer group nationally 152 in MN

Community Bank Mankato has 1 strength but faces 6 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

+ Efficiency Ratio 7.11% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 14.0% in tier
- Flatlined Growth: Bottom 26.8% in tier
- Delinquency Rate 1.40% above tier average
- Nonperforming Asset Ratio 1.37% above tier average
- ROA 0.25% below tier average
- Net Interest Margin 0.56% below tier average

Get updates when Community Bank Mankato releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Total Assets ?	$539.8M -1.0% YoY -0.5% QoQ	+$153.8M	$386.1M +0.5% YoY	$512.9M +5.5% YoY	$6.2B +9.1% YoY	76%
Total Loans ?	$474.1M -4.1% YoY -0.6% QoQ	+$218.4M	$255.7M +1.1% YoY	$288.3M +6.9% YoY	$3.2B +10.8% YoY	Top 13.4% in tier
Total Deposits ?	$473.6M -1.2% YoY +0.5% QoQ	+$145.6M	$328.0M +0.1% YoY	$443.8M +5.0% YoY	$4.8B +8.2% YoY	77%
Return on Assets ?	1.02% +30.7% YoY +26.5% QoQ	-0.25%	1.27% +12.9% YoY	1.13% +10.7% YoY	1.23% +13.4% YoY	39%
Net Interest Margin ?	3.37% +15.7% YoY +6.1% QoQ	-0.56%	3.93% +6.0% YoY	3.93% +7.5% YoY	3.89% +5.7% YoY	25%
Efficiency Ratio ?	58.17% -9.1% YoY -8.4% QoQ	-7.11%	65.29% -4.5% YoY	64.77% -3.3% YoY	66.95% -4.1% YoY	65%
Delinquency Rate ?	2.29% +3.5% YoY +2.2% QoQ	+1.40%	0.89% +18.8% YoY	1.04% +28.9% YoY	0.95% +18.8% YoY	Bottom 9.8% in tier
Loan-to-Deposit Ratio ?	100.11% -2.9% YoY -1.0% QoQ	+23.47%	76.64% +0.8% YoY	76.69% -0.4% YoY	76.70% +0.9% YoY	Bottom 8.4% in tier
Non-Interest-Bearing Deposit Share ?	16.12% -3.9% YoY +3.8% QoQ	-5.90%	22.02% -1.0% YoY	21.87% -0.9% YoY	22.01% -1.2% YoY	28%
Nonperforming Asset Ratio ?	2.01% +0.3% YoY +2.2% QoQ	+1.37%	0.64% +19.7% YoY	0.77% +27.1% YoY	0.67% +19.3% YoY	Bottom 6.8% in tier
Tier 1 Capital Ratio ?	11.95% +11.4% YoY +2.5% QoQ	-3.88%	15.83% +1.5% YoY	15.37% +0.7% YoY	17.06% +0.8% YoY	35%
Non-Interest Income / Assets ?	0.03% -29.8% YoY -81.0% QoQ	-0.25%	0.28% +9.3% YoY	0.16% +5.0% YoY	0.32% +4.1% YoY	Bottom 10.5% 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 (0)

No matched strength signatures this quarter

Concerns (2)

Liquidity Strain

risk

#91 of 643 • Bottom 14.0% 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: 100.11%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank declining

Flatlined Growth

risk

#138 of 512 • Bottom 26.8% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature

Return on Assets: 1.02%

(Tier: 1.27%, National: 1.23%)

worse than tier avg

512 of 512 Community banks match · 687 nationally

→ Stable +32 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 2664 peers in $100M-$1B

Top Strengths (3 metrics)

357

Total Loans

size

Value: $474.11M

Peer Median: $255.72M

#357 of 2664 Top 13.4% in $100M-$1B

612

Total Deposits

size

Value: $473.58M

Peer Median: $327.97M

#612 of 2664 Top 22.9% in $100M-$1B

648

Total Assets

size

Value: $539.84M

Peer Median: $386.08M

#648 of 2664 Top 24.3% in $100M-$1B

Top Weaknesses (5 metrics)

2485

Nonperforming Asset Ratio

credit_quality

Value: 2.01%

Peer Median: 0.64%

#2485 of 2664 Bottom 6.8% in $100M-$1B

2441

Loan-to-Deposit Ratio

liquidity

Value: 100.11%

Peer Median: 76.64%

#2441 of 2664 Bottom 8.4% in $100M-$1B

2395

Delinquency Rate

credit_quality

Value: 2.29%

Peer Median: 0.89%

#2395 of 2654 Bottom 9.8% in $100M-$1B

2384

Non-Interest Income / Assets

revenue_mix

Value: 0.03%

Peer Median: 0.28%

#2384 of 2664 Bottom 10.5% in $100M-$1B

1999

Net Interest Margin

profitability

Value: 3.37%

Peer Median: 3.93%

#1999 of 2664 Bottom 25.0% in $100M-$1B