BlastPoint's Banking Scorecard

The First State Bank of Rosemount

$100M-$1B Specialty: Other MN FDIC cert 9769

Rosemount, MN

2 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 +2.9% year over year ($138.4M on the books).
Delinquency rate 2.91%.
Return on assets 0.33%.
Efficiency ratio 82.58% vs a 64.48% peer average.
Loan-to-deposit ratio 73.41% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 151 in MN

View $100M-$1B leaderboard (MN) →

The First State Bank of Rosemount faces 7 concerns requiring attention

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

No key strengths identified

Key Concerns

Areas that may need attention

- Flatlined Growth: Bottom 9.5% in tier
- Capital Thin: Bottom 12.2% in tier
- Efficiency Drag: Bottom 30.2% in tier
- Return on Assets 0.99% below tier average
- Delinquency Rate 2.00% above tier average
- Nonperforming Asset Ratio 1.36% above tier average
- Net Interest Margin 0.65% below tier average

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Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Total Assets ?	$146.1M +1.2% YoY -6.0% QoQ	-$240.5M	$386.6M +1.2% YoY	$524.5M +5.8% YoY	$6.3B +7.7% YoY	Bottom 12.9% in tier
Total Loans ?	$101.6M -0.5% YoY -2.2% QoQ	-$156.7M	$258.3M +1.7% YoY	$300.2M +7.3% YoY	$3.2B +9.4% YoY	19%
Total Deposits ?	$138.4M +2.9% YoY -6.7% QoQ	-$188.3M	$326.7M +0.7% YoY	$452.1M +5.5% YoY	$4.9B +7.3% YoY	18%
Return on Assets ?	0.33% +17.7% YoY +182.3% QoQ	-0.99%	1.32% +10.8% YoY	1.26% +17.2% YoY	1.30% +12.1% YoY	Bottom 8.1% in tier
Net Interest Margin ?	3.34% +3.0% YoY +2.1% QoQ	-0.65%	3.99% +5.0% YoY	4.00% +6.8% YoY	3.95% +4.9% YoY	21%
Efficiency Ratio ?	82.58% -2.1% YoY -9.2% QoQ	+18.11%	64.48% -3.2% YoY	63.00% -3.5% YoY	70.05% +2.5% YoY	Bottom 11.4% in tier
Delinquency Rate ?	2.91% -19.5% YoY +9.8% QoQ	+2.00%	0.92% +15.7% YoY	1.01% +19.3% YoY	0.98% +16.3% YoY	Bottom 6.5% in tier
Loan-to-Deposit Ratio ?	73.41% -3.3% YoY +4.8% QoQ	-4.55%	77.95% +1.0% YoY	78.29% -0.6% YoY	79.03% +2.3% YoY	63%
Non-Interest-Bearing Deposit Share ?	19.11% -4.8% YoY +5.2% QoQ	-2.92%	22.03% -0.6% YoY	21.79% +0.9% YoY	21.98% -0.6% YoY	41%
Nonperforming Asset Ratio ?	2.03% -20.9% YoY +14.4% QoQ	+1.36%	0.67% +16.4% YoY	0.76% +16.9% YoY	0.69% +15.8% YoY	Bottom 6.8% in tier
Tier 1 Capital Ratio ?	9.66% +3.7% YoY +7.0% QoQ	-6.25%	15.91% +1.4% YoY	15.35% -0.4% YoY	17.09% +0.8% YoY	Bottom 6.8% in tier
Non-Interest Income / Assets ?	0.16% +74.7% YoY +349.2% QoQ	-0.41%	0.57% +7.6% YoY	0.31% +3.9% YoY	0.66% +5.2% YoY	36%

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	19.1% -1.0pp YoY +0.9pp QoQ	-3.0pp	22.1%	21.9%	22.2%	41%
Brokered Deposits	8.8% -8.6pp YoY -6.5pp QoQ	+0.9pp	7.9%	8.3%	8.5%	72%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
C&I	12.3% -1.6pp YoY 0.0pp QoQ	+0.7pp	11.6%	14.6%	12.5%	65%
CRE	22.1% -2.2pp YoY -1.2pp QoQ	-17.4pp	39.5%	36.5%	41.4%	21%
1-4 Family	57.0% +3.8pp YoY +1.2pp QoQ	+24.3pp	32.6%	29.4%	31.3%	88%
Consumer	9.4% +0.3pp YoY +0.1pp QoQ	+5.3pp	4.1%	4.5%	5.0%	91%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
CET1 Ratio	9.7% +0.3pp YoY +0.6pp QoQ	-9.2pp	18.8%	16.5%	19.7%	1%
Leverage Ratio	6.3% -0.3pp YoY +0.2pp QoQ	-5.9pp	12.2%	11.0%	12.6%	0%
Total Capital Ratio	10.9% +0.7pp YoY +0.8pp QoQ	-9.0pp	19.9%	17.6%	20.8%	1%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Full-Time Employees	16 0 YoY 0 QoQ	-43	58	55	482	5%
Assets per Employee ($)	$9.1M +1.2% YoY -6.0% QoQ	+$1.6M	$7.5M	$8.6M	$8.8M	80%
Branch Count	2 0 YoY 0 QoQ	-3	4	4	18	11%

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	2.9% +1.9pp YoY +0.3pp QoQ	+2.0pp	0.9%	1.0%	1.0%	94%
Allowance Coverage	0.40x +74.4% YoY -0.4% QoQ	-23.75x	24.15x	20.41x	20.23x	6%
Net Charge-off Rate (YTD)	0.1% +0.1pp YoY 0.0pp QoQ	0.0pp	0.1%	0.2%	0.2%	80%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
ROE	7.5% +0.7pp YoY +4.8pp QoQ	-4.7pp	12.2%	13.1%	11.6%	23%
Cost of Funds (YTD)	2.5% +0.3pp YoY 0.0pp QoQ	+0.8pp	1.7%	1.7%	1.7%	89%
Net Income ($, YTD)	$250,000 +27.6% YoY — QoQ	-$2.3M	$2.6M	$4.5M	$40.4M	6%

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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 (3)

Flatlined Growth

risk

#51 of 529 • Bottom 9.5% 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: 0.33%

(Tier: 1.32%, National: 1.30%)

worse than tier avg

529 of 529 Community banks match · 719 nationally

→ Stable +34 banks QoQ

Capital Thin

risk

#82 of 661 • Bottom 12.2% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 9.66%

(Tier: 15.91%, National: 17.09%)

worse than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank improving

Efficiency Drag

risk

#110 of 361 • Bottom 30.2% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature

Efficiency Ratio: 82.58%

(Tier: 64.48%, National: 70.05%)

worse than tier avg

361 of 361 Community banks match · 426 nationally

↓ Shrinking -64 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 2643 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (9 metrics)

2462

Delinquency Rate

credit_quality

Value: 2.91%

Peer Median: 0.92%

#2462 of 2633 Bottom 6.5% in $100M-$1B

2465

Nonperforming Asset Ratio

credit_quality

Value: 2.03%

Peer Median: 0.67%

#2465 of 2643 Bottom 6.8% in $100M-$1B

2464

Tier 1 Capital Ratio

capital

Value: 9.66%

Peer Median: 15.91%

#2464 of 2643 Bottom 6.8% in $100M-$1B

2430

Return on Assets

profitability

Value: 0.33%

Peer Median: 1.32%

#2430 of 2643 Bottom 8.1% in $100M-$1B

2343

Efficiency Ratio

profitability

Value: 82.58%

Peer Median: 64.48%

#2343 of 2643 Bottom 11.4% in $100M-$1B

2303

Total Assets

size

Value: $146.09M

Peer Median: $386.57M

#2303 of 2643 Bottom 12.9% in $100M-$1B

2171

Total Deposits

size

Value: $138.44M

Peer Median: $326.73M

#2171 of 2643 Bottom 17.9% in $100M-$1B

2129

Total Loans

size

Value: $101.63M

Peer Median: $258.35M

#2129 of 2643 Bottom 19.5% in $100M-$1B

2090

Net Interest Margin

profitability

Value: 3.34%

Peer Median: 3.99%

#2090 of 2643 Bottom 21.0% in $100M-$1B