BlastPoint's Banking Scorecard
First State Bank Minnesota
Micro
Specialty: Agricultural
MN
FDIC cert 10162
Designations: ✓ Community bank
Le Roy, MN
2498
banks in Micro tier nationally
179 in MN
View Micro leaderboard (MN) →
First State Bank Minnesota shows strong momentum with 1 strength and 9.9% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 17.08% 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 ? |
$109.3M
+9.9% YoY
+9.1% QoQ
|
-$108.1M |
$217.5M
+2.3% YoY
|
$508.2M
+6.2% YoY
|
$5.9B
+6.5% YoY
|
25% |
| Total Loans ? |
$80.0M
+3.5% YoY
+1.6% QoQ
|
-$59.1M |
$139.2M
+2.8% YoY
|
$283.0M
+6.2% YoY
|
$3.1B
+8.5% YoY
|
34% |
| Total Deposits ? |
$96.3M
+14.1% YoY
+9.9% QoQ
|
-$87.3M |
$183.7M
+1.8% YoY
|
$438.4M
+5.3% YoY
|
$4.7B
+6.3% YoY
|
27% |
| Return on Assets ? |
1.66%
+24.9% YoY
+1.9% QoQ
|
+0.58% |
1.08%
+14.7% YoY
|
1.11%
+14.5% YoY
|
1.12%
+15.6% YoY
|
81% |
| Net Interest Margin ? |
4.27%
+7.4% YoY
+0.2% QoQ
|
+0.42% |
3.85%
+6.6% YoY
|
3.81%
+8.2% YoY
|
3.75%
+7.1% YoY
|
71% |
| Efficiency Ratio ? |
55.36%
-9.9% YoY
-1.1% QoQ
|
-12.37% |
67.73%
-4.8% YoY
|
65.34%
-5.0% YoY
|
65.09%
-5.1% YoY
|
80% |
| Delinquency Rate ? |
1.03%
+78.1% YoY
+116.2% QoQ
|
+0.39% |
0.64%
+24.4% YoY
|
0.65%
+17.8% YoY
|
0.66%
+20.3% YoY
|
28% |
| Loan-to-Deposit Ratio ? |
83.08%
-9.3% YoY
-7.5% QoQ
|
+8.55% |
74.53%
+0.5% YoY
|
76.97%
-0.8% YoY
|
78.04%
+0.7% YoY
|
36% |
| Non-Interest-Bearing Deposit Share ? |
39.47%
+17.5% YoY
+23.3% QoQ
|
+17.08% |
22.39%
-1.3% YoY
|
21.89%
-2.6% YoY
|
21.79%
-1.3% YoY
|
Top 7% in tier |
| Nonperforming Asset Ratio ? |
0.75%
+67.7% YoY
+101.5% QoQ
|
+0.30% |
0.45%
+25.1% YoY
|
0.46%
+7.5% YoY
|
0.48%
+20.8% YoY
|
26% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
11.33%
-0.2% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.12%
-23.1% YoY
+21.3% QoQ
|
-0.44% |
0.56%
+0.3% YoY
|
0.50%
+4.9% YoY
|
0.65%
+0.6% YoY
|
Bottom 10% in tier |
Signature Analysis
Strengths (1)
Non-Interest-Bearing Deposit Share
metric
Top 7%
in Micro
Why this stands out
Current:
39.47%
(Tier avg: 22.39%, National avg: 21.79%)
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
93
93th pctile
Non-Interest-Bearing Deposit Share
Current: 39.47% · Tier avg: 22.39%
81
81th pctile
Return on Assets
Current: 1.66% · Tier avg: 1.08%
80
80th pctile
Efficiency Ratio
Current: 55.36% · Tier avg: 67.73%
71
71th pctile
Net Interest Margin
Current: 4.27% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
36
36th pctile
Loan-to-Deposit Ratio
Current: 83.08% · Tier avg: 74.53%
34
34th pctile
Total Loans
Current: $80.0M · Tier avg: $139.2M
28
28th pctile
Delinquency Rate
Current: 1.03% · Tier avg: 0.64%
27
27th pctile
Total Deposits
Current: $96.3M · Tier avg: $183.7M
26
26th pctile
Nonperforming Asset Ratio
Current: 0.75% · Tier avg: 0.45%
25
25th pctile
Total Assets
Current: $109.3M · Tier avg: $217.5M
10
10th pctile
Non-Interest Income / Assets
Current: 0.12% · Tier avg: 0.56%
Top Weaknesses
10
10th pctile
Non-Interest Income / Assets
Current: 0.12% · Tier avg: 0.56%
25
25th pctile
Total Assets
Current: $109.3M · Tier avg: $217.5M
26
26th pctile
Nonperforming Asset Ratio
Current: 0.75% · Tier avg: 0.45%
27
27th pctile
Total Deposits
Current: $96.3M · Tier avg: $183.7M
28
28th pctile
Delinquency Rate
Current: 1.03% · Tier avg: 0.64%
34
34th pctile
Total Loans
Current: $80.0M · Tier avg: $139.2M
36
36th pctile
Loan-to-Deposit Ratio
Current: 83.08% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
71
71th pctile
Net Interest Margin
Current: 4.27% · Tier avg: 3.85%
80
80th pctile
Efficiency Ratio
Current: 55.36% · Tier avg: 67.73%
81
81th pctile
Return on Assets
Current: 1.66% · Tier avg: 1.08%
93
93th pctile
Non-Interest-Bearing Deposit Share
Current: 39.47% · Tier avg: 22.39%