BlastPoint's Banking Scorecard
Sherburne State Bank
Micro
Specialty: Commercial
MN
FDIC cert 10169
Designations: ✓ Community bank
Becker, MN
2498
banks in Micro tier nationally
179 in MN
View Micro leaderboard (MN) →
Sherburne State Bank shows strong momentum with 1 strength and 19.6% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 21.87% below 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 ? |
$337.4M
+19.6% YoY
+4.5% QoQ
|
+$119.9M |
$217.5M
+2.3% YoY
|
$508.2M
+6.2% YoY
|
$5.9B
+6.5% YoY
|
79% |
| Total Loans ? |
$261.2M
+21.5% YoY
+6.5% QoQ
|
+$122.0M |
$139.2M
+2.8% YoY
|
$283.0M
+6.2% YoY
|
$3.1B
+8.5% YoY
|
Top 14% in tier |
| Total Deposits ? |
$278.9M
+21.7% YoY
+3.0% QoQ
|
+$95.2M |
$183.7M
+1.8% YoY
|
$438.4M
+5.3% YoY
|
$4.7B
+6.3% YoY
|
77% |
| Return on Assets ? |
1.81%
+3.1% YoY
-3.1% QoQ
|
+0.72% |
1.08%
+14.7% YoY
|
1.11%
+14.5% YoY
|
1.12%
+15.6% YoY
|
Top 15% in tier |
| Net Interest Margin ? |
4.63%
+5.6% YoY
-0.4% QoQ
|
+0.78% |
3.85%
+6.6% YoY
|
3.81%
+8.2% YoY
|
3.75%
+7.1% YoY
|
83% |
| Efficiency Ratio ? |
45.85%
-2.2% YoY
-1.0% QoQ
|
-21.87% |
67.73%
-4.8% YoY
|
65.34%
-5.0% YoY
|
65.09%
-5.1% YoY
|
Top 6% in tier |
| Delinquency Rate ? |
0.29%
+920.9% YoY
|
-0.35% |
0.64%
+24.4% YoY
|
0.65%
+17.8% YoY
|
0.66%
+20.3% YoY
|
55% |
| Loan-to-Deposit Ratio ? |
93.66%
-0.2% YoY
+3.4% QoQ
|
+19.13% |
74.53%
+0.5% YoY
|
76.97%
-0.8% YoY
|
78.04%
+0.7% YoY
|
17% |
| Non-Interest-Bearing Deposit Share ? |
28.41%
-11.0% YoY
-6.9% QoQ
|
+6.01% |
22.39%
-1.3% YoY
|
21.89%
-2.6% YoY
|
21.79%
-1.3% YoY
|
74% |
| Nonperforming Asset Ratio ? |
0.23%
+937.2% YoY
|
-0.22% |
0.45%
+25.1% YoY
|
0.46%
+7.5% YoY
|
0.48%
+20.8% YoY
|
54% |
| Tier 1 Capital Ratio ? |
10.24%
-0.3% YoY
-0.3% QoQ
|
+1.39% |
8.85%
-3.4% YoY
|
11.33%
-0.2% YoY
|
9.75%
-1.9% YoY
|
52% |
| Non-Interest Income / Assets ? |
0.77%
-7.2% YoY
+24.2% QoQ
|
+0.21% |
0.56%
+0.3% YoY
|
0.50%
+4.9% YoY
|
0.65%
+0.6% YoY
|
Top 14% in tier |
Signature Analysis
Strengths (1)
Efficiency Ratio
metric
Top 6%
in Micro
Why this stands out
Current:
45.85%
(Tier avg: 67.73%, National avg: 65.09%)
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
94
94th pctile
Efficiency Ratio
Current: 45.85% · Tier avg: 67.73%
86
86th pctile
Total Loans
Current: $261.2M · Tier avg: $139.2M
86
86th pctile
Non-Interest Income / Assets
Current: 0.77% · Tier avg: 0.56%
85
85th pctile
Return on Assets
Current: 1.81% · Tier avg: 1.08%
83
83th pctile
Net Interest Margin
Current: 4.63% · Tier avg: 3.85%
79
79th pctile
Total Assets
Current: $337.4M · Tier avg: $217.5M
77
77th pctile
Total Deposits
Current: $278.9M · Tier avg: $183.7M
74
74th pctile
Non-Interest-Bearing Deposit Share
Current: 28.41% · Tier avg: 22.39%
55
55th pctile
Delinquency Rate
Current: 0.29% · Tier avg: 0.64%
54
54th pctile
Nonperforming Asset Ratio
Current: 0.23% · Tier avg: 0.45%
52
52th pctile
Tier 1 Capital Ratio
Current: 10.24% · Tier avg: 8.85%
17
17th pctile
Loan-to-Deposit Ratio
Current: 93.66% · Tier avg: 74.53%
Top Weaknesses
17
17th pctile
Loan-to-Deposit Ratio
Current: 93.66% · Tier avg: 74.53%
52
52th pctile
Tier 1 Capital Ratio
Current: 10.24% · Tier avg: 8.85%
54
54th pctile
Nonperforming Asset Ratio
Current: 0.23% · Tier avg: 0.45%
55
55th pctile
Delinquency Rate
Current: 0.29% · Tier avg: 0.64%
74
74th pctile
Non-Interest-Bearing Deposit Share
Current: 28.41% · Tier avg: 22.39%
77
77th pctile
Total Deposits
Current: $278.9M · Tier avg: $183.7M
79
79th pctile
Total Assets
Current: $337.4M · Tier avg: $217.5M
83
83th pctile
Net Interest Margin
Current: 4.63% · Tier avg: 3.85%
85
85th pctile
Return on Assets
Current: 1.81% · Tier avg: 1.08%
86
86th pctile
Non-Interest Income / Assets
Current: 0.77% · Tier avg: 0.56%
86
86th pctile
Total Loans
Current: $261.2M · Tier avg: $139.2M
94
94th pctile
Efficiency Ratio
Current: 45.85% · Tier avg: 67.73%