BlastPoint's Banking Scorecard
First State Bank and Trust
Micro
Specialty: Commercial
MN
FDIC cert 10159
Designations: ✓ Community bank
Bayport, MN
2498
banks in Micro tier nationally
179 in MN
View Micro leaderboard (MN) →
First State Bank and Trust shows strong momentum with 3 strengths and 11.6% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% below tier
- + Non-Interest Income / Assets 1.35% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$473.2M
+11.6% YoY
+11.1% QoQ
|
+$255.7M |
$217.5M
+2.3% YoY
|
$508.2M
+6.2% YoY
|
$5.9B
+6.5% YoY
|
Top 3% in tier |
| Total Loans ? |
$298.5M
+5.4% YoY
-1.3% QoQ
|
+$159.4M |
$139.2M
+2.8% YoY
|
$283.0M
+6.2% YoY
|
$3.1B
+8.5% YoY
|
Top 8% in tier |
| Total Deposits ? |
$430.4M
+11.1% YoY
+11.9% QoQ
|
+$246.7M |
$183.7M
+1.8% YoY
|
$438.4M
+5.3% YoY
|
$4.7B
+6.3% YoY
|
Top 1% in tier |
| Return on Assets ? |
1.71%
+23.0% YoY
+0.8% QoQ
|
+0.63% |
1.08%
+14.7% YoY
|
1.11%
+14.5% YoY
|
1.12%
+15.6% YoY
|
83% |
| Net Interest Margin ? |
3.72%
+9.0% YoY
-0.2% QoQ
|
-0.14% |
3.85%
+6.6% YoY
|
3.81%
+8.2% YoY
|
3.75%
+7.1% YoY
|
45% |
| Efficiency Ratio ? |
67.26%
-3.7% YoY
+0.6% QoQ
|
-0.46% |
67.73%
-4.8% YoY
|
65.34%
-5.0% YoY
|
65.09%
-5.1% YoY
|
47% |
| Delinquency Rate ? |
0.00%
-100.0% QoQ
|
-0.64% |
0.64%
+24.4% YoY
|
0.65%
+17.8% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
69.37%
-5.2% YoY
-11.8% QoQ
|
-5.16% |
74.53%
+0.5% YoY
|
76.97%
-0.8% YoY
|
78.04%
+0.7% YoY
|
37% |
| Non-Interest-Bearing Deposit Share ? |
25.93%
-2.4% YoY
+24.4% QoQ
|
+3.54% |
22.39%
-1.3% YoY
|
21.89%
-2.6% YoY
|
21.79%
-1.3% YoY
|
66% |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% QoQ
|
-0.45% |
0.45%
+25.1% YoY
|
0.46%
+7.5% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
14.49%
+4.2% YoY
+2.3% QoQ
|
+5.64% |
8.85%
-3.4% YoY
|
11.33%
-0.2% YoY
|
9.75%
-1.9% YoY
|
70% |
| Non-Interest Income / Assets ? |
1.92%
+8.4% YoY
+21.8% QoQ
|
+1.35% |
0.56%
+0.3% YoY
|
0.50%
+4.9% YoY
|
0.65%
+0.6% YoY
|
Top 3% in tier |
Signature Analysis
Strengths (3)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Non-Interest Income / Assets
metric
Top 3%
in Micro
Why this stands out
Current:
1.92%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
99
99th pctile
Total Deposits
Current: $430.4M · Tier avg: $183.7M
97
97th pctile
Non-Interest Income / Assets
Current: 1.92% · Tier avg: 0.56%
97
97th pctile
Total Assets
Current: $473.2M · Tier avg: $217.5M
92
92th pctile
Total Loans
Current: $298.5M · Tier avg: $139.2M
83
83th pctile
Return on Assets
Current: 1.71% · Tier avg: 1.08%
70
70th pctile
Tier 1 Capital Ratio
Current: 14.49% · Tier avg: 8.85%
66
66th pctile
Non-Interest-Bearing Deposit Share
Current: 25.93% · Tier avg: 22.39%
47
47th pctile
Efficiency Ratio
Current: 67.26% · Tier avg: 67.73%
45
45th pctile
Net Interest Margin
Current: 3.72% · Tier avg: 3.85%
37
37th pctile
Loan-to-Deposit Ratio
Current: 69.37% · Tier avg: 74.53%
Top Weaknesses
37
37th pctile
Loan-to-Deposit Ratio
Current: 69.37% · Tier avg: 74.53%
45
45th pctile
Net Interest Margin
Current: 3.72% · Tier avg: 3.85%
47
47th pctile
Efficiency Ratio
Current: 67.26% · Tier avg: 67.73%
66
66th pctile
Non-Interest-Bearing Deposit Share
Current: 25.93% · Tier avg: 22.39%
70
70th pctile
Tier 1 Capital Ratio
Current: 14.49% · Tier avg: 8.85%
83
83th pctile
Return on Assets
Current: 1.71% · Tier avg: 1.08%
92
92th pctile
Total Loans
Current: $298.5M · Tier avg: $139.2M
97
97th pctile
Total Assets
Current: $473.2M · Tier avg: $217.5M
97
97th pctile
Non-Interest Income / Assets
Current: 1.92% · Tier avg: 0.56%
99
99th pctile
Total Deposits
Current: $430.4M · Tier avg: $183.7M
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%