BlastPoint's Banking Scorecard
The Northern State Bank of Gonvick
Micro
Specialty: Agricultural
MN
FDIC cert 10187
Designations: ✓ Community bank
Gonvick, MN
2498
banks in Micro tier nationally
179 in MN
View Micro leaderboard (MN) →
The Northern State Bank of Gonvick has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 18.57% below tier
- + Loan-to-Deposit Ratio 36.80% below tier
- + Tier 1 Capital Ratio 37.67% above tier
Key Concerns
Areas that may need attention
- - Non-Interest Income / Assets 0.47% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$54.6M
+2.5% YoY
+13.6% QoQ
|
-$162.9M |
$217.5M
+2.3% YoY
|
$508.2M
+6.2% YoY
|
$5.9B
+6.5% YoY
|
Bottom 8% in tier |
| Total Loans ? |
$17.5M
+10.1% YoY
+2.2% QoQ
|
-$121.7M |
$139.2M
+2.8% YoY
|
$283.0M
+6.2% YoY
|
$3.1B
+8.5% YoY
|
Bottom 6% in tier |
| Total Deposits ? |
$46.4M
+2.5% YoY
+17.4% QoQ
|
-$137.3M |
$183.7M
+1.8% YoY
|
$438.4M
+5.3% YoY
|
$4.7B
+6.3% YoY
|
Bottom 9% in tier |
| Return on Assets ? |
1.27%
-28.3% YoY
+2.4% QoQ
|
+0.18% |
1.08%
+14.7% YoY
|
1.11%
+14.5% YoY
|
1.12%
+15.6% YoY
|
63% |
| Net Interest Margin ? |
2.88%
-15.4% YoY
-1.4% QoQ
|
-0.97% |
3.85%
+6.6% YoY
|
3.81%
+8.2% YoY
|
3.75%
+7.1% YoY
|
Bottom 12% in tier |
| Efficiency Ratio ? |
49.16%
+25.0% YoY
+1.8% QoQ
|
-18.57% |
67.73%
-4.8% YoY
|
65.34%
-5.0% YoY
|
65.09%
-5.1% YoY
|
Top 9% in tier |
| Delinquency Rate ? |
0.81%
-40.8% YoY
-36.9% QoQ
|
+0.17% |
0.64%
+24.4% YoY
|
0.65%
+17.8% YoY
|
0.66%
+20.3% YoY
|
34% |
| Loan-to-Deposit Ratio ? |
37.73%
+7.4% YoY
-12.9% QoQ
|
-36.80% |
74.53%
+0.5% YoY
|
76.97%
-0.8% YoY
|
78.04%
+0.7% YoY
|
Top 5% in tier |
| Non-Interest-Bearing Deposit Share ? |
26.14%
-4.1% YoY
+174.6% QoQ
|
+3.75% |
22.39%
-1.3% YoY
|
21.89%
-2.6% YoY
|
21.79%
-1.3% YoY
|
67% |
| Nonperforming Asset Ratio ? |
0.26%
-36.5% YoY
-43.2% QoQ
|
-0.19% |
0.45%
+25.1% YoY
|
0.46%
+7.5% YoY
|
0.48%
+20.8% YoY
|
51% |
| Tier 1 Capital Ratio ? |
46.53%
-8.7% YoY
-6.7% QoQ
|
+37.67% |
8.85%
-3.4% YoY
|
11.33%
-0.2% YoY
|
9.75%
-1.9% YoY
|
Top 1% in tier |
| Non-Interest Income / Assets ? |
0.10%
+1.4% YoY
+20.5% QoQ
|
-0.47% |
0.56%
+0.3% YoY
|
0.50%
+4.9% YoY
|
0.65%
+0.6% YoY
|
Bottom 7% in tier |
Signature Analysis
Strengths (3)
Efficiency Ratio
metric
Top 9%
in Micro
Why this stands out
Current:
49.16%
(Tier avg: 67.73%, National avg: 65.09%)
Loan-to-Deposit Ratio
metric
Top 5%
in Micro
Why this stands out
Current:
37.73%
(Tier avg: 74.53%, National avg: 78.04%)
Tier 1 Capital Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
46.53%
(Tier avg: 8.85%, National avg: 9.75%)
Concerns (1)
Non-Interest Income / Assets
metric
Bottom 7%
in Micro
Why this stands out
Current:
0.10%
(Tier avg: 0.56%, National avg: 0.65%)
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
Tier 1 Capital Ratio
Current: 46.53% · Tier avg: 8.85%
95
95th pctile
Loan-to-Deposit Ratio
Current: 37.73% · Tier avg: 74.53%
91
91th pctile
Efficiency Ratio
Current: 49.16% · Tier avg: 67.73%
67
67th pctile
Non-Interest-Bearing Deposit Share
Current: 26.14% · Tier avg: 22.39%
63
63th pctile
Return on Assets
Current: 1.27% · Tier avg: 1.08%
51
51th pctile
Nonperforming Asset Ratio
Current: 0.26% · Tier avg: 0.45%
34
34th pctile
Delinquency Rate
Current: 0.81% · Tier avg: 0.64%
12
12th pctile
Net Interest Margin
Current: 2.88% · Tier avg: 3.85%
9
9th pctile
Total Deposits
Current: $46.4M · Tier avg: $183.7M
8
8th pctile
Total Assets
Current: $54.6M · Tier avg: $217.5M
7
7th pctile
Non-Interest Income / Assets
Current: 0.10% · Tier avg: 0.56%
6
6th pctile
Total Loans
Current: $17.5M · Tier avg: $139.2M
Top Weaknesses
6
6th pctile
Total Loans
Current: $17.5M · Tier avg: $139.2M
7
7th pctile
Non-Interest Income / Assets
Current: 0.10% · Tier avg: 0.56%
8
8th pctile
Total Assets
Current: $54.6M · Tier avg: $217.5M
9
9th pctile
Total Deposits
Current: $46.4M · Tier avg: $183.7M
12
12th pctile
Net Interest Margin
Current: 2.88% · Tier avg: 3.85%
34
34th pctile
Delinquency Rate
Current: 0.81% · Tier avg: 0.64%
51
51th pctile
Nonperforming Asset Ratio
Current: 0.26% · Tier avg: 0.45%
63
63th pctile
Return on Assets
Current: 1.27% · Tier avg: 1.08%
67
67th pctile
Non-Interest-Bearing Deposit Share
Current: 26.14% · Tier avg: 22.39%
91
91th pctile
Efficiency Ratio
Current: 49.16% · Tier avg: 67.73%
95
95th pctile
Loan-to-Deposit Ratio
Current: 37.73% · Tier avg: 74.53%
100
100th pctile
Tier 1 Capital Ratio
Current: 46.53% · Tier avg: 8.85%