BlastPoint's Banking Scorecard
PrinsBank
Micro
Specialty: Commercial
MN
FDIC cert 10191
Designations: ✓ Community bank
Prinsburg, MN
2498
banks in Micro tier nationally
179 in MN
View Micro leaderboard (MN) →
PrinsBank demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest Income / Assets 1.78% 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 ? |
$210.1M
+2.8% YoY
+5.9% QoQ
|
-$7.4M |
$217.5M
+2.3% YoY
|
$508.2M
+6.2% YoY
|
$5.9B
+6.5% YoY
|
54% |
| Total Loans ? |
$136.9M
+9.3% YoY
+4.0% QoQ
|
-$2.2M |
$139.2M
+2.8% YoY
|
$283.0M
+6.2% YoY
|
$3.1B
+8.5% YoY
|
56% |
| Total Deposits ? |
$181.3M
+7.3% YoY
+8.5% QoQ
|
-$2.4M |
$183.7M
+1.8% YoY
|
$438.4M
+5.3% YoY
|
$4.7B
+6.3% YoY
|
55% |
| Return on Assets ? |
1.95%
-5.9% YoY
-5.4% QoQ
|
+0.86% |
1.08%
+14.7% YoY
|
1.11%
+14.5% YoY
|
1.12%
+15.6% YoY
|
Top 11% in tier |
| Net Interest Margin ? |
4.68%
+4.6% YoY
-0.5% QoQ
|
+0.83% |
3.85%
+6.6% YoY
|
3.81%
+8.2% YoY
|
3.75%
+7.1% YoY
|
84% |
| Efficiency Ratio ? |
63.57%
+16.8% YoY
+1.3% QoQ
|
-4.15% |
67.73%
-4.8% YoY
|
65.34%
-5.0% YoY
|
65.09%
-5.1% YoY
|
57% |
| Delinquency Rate ? |
0.73%
-65.6% YoY
-18.6% QoQ
|
+0.09% |
0.64%
+24.4% YoY
|
0.65%
+17.8% YoY
|
0.66%
+20.3% YoY
|
36% |
| Loan-to-Deposit Ratio ? |
75.53%
+1.8% YoY
-4.1% QoQ
|
+1.00% |
74.53%
+0.5% YoY
|
76.97%
-0.8% YoY
|
78.04%
+0.7% YoY
|
49% |
| Non-Interest-Bearing Deposit Share ? |
20.27%
+6.6% YoY
+22.6% QoQ
|
-2.13% |
22.39%
-1.3% YoY
|
21.89%
-2.6% YoY
|
21.79%
-1.3% YoY
|
43% |
| Nonperforming Asset Ratio ? |
0.48%
-63.4% YoY
-20.0% QoQ
|
+0.03% |
0.45%
+25.1% YoY
|
0.46%
+7.5% YoY
|
0.48%
+20.8% YoY
|
38% |
| Tier 1 Capital Ratio ? |
16.02%
-28.7% YoY
+0.5% QoQ
|
+7.16% |
8.85%
-3.4% YoY
|
11.33%
-0.2% YoY
|
9.75%
-1.9% YoY
|
76% |
| Non-Interest Income / Assets ? |
2.34%
+59.8% YoY
+19.2% QoQ
|
+1.78% |
0.56%
+0.3% YoY
|
0.50%
+4.9% YoY
|
0.65%
+0.6% YoY
|
Top 2% in tier |
Signature Analysis
Strengths (1)
Non-Interest Income / Assets
metric
Top 2%
in Micro
Why this stands out
Current:
2.34%
(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
98
98th pctile
Non-Interest Income / Assets
Current: 2.34% · Tier avg: 0.56%
89
89th pctile
Return on Assets
Current: 1.95% · Tier avg: 1.08%
84
84th pctile
Net Interest Margin
Current: 4.68% · Tier avg: 3.85%
76
76th pctile
Tier 1 Capital Ratio
Current: 16.02% · Tier avg: 8.85%
57
57th pctile
Efficiency Ratio
Current: 63.57% · Tier avg: 67.73%
56
56th pctile
Total Loans
Current: $136.9M · Tier avg: $139.2M
55
55th pctile
Total Deposits
Current: $181.3M · Tier avg: $183.7M
54
54th pctile
Total Assets
Current: $210.1M · Tier avg: $217.5M
49
49th pctile
Loan-to-Deposit Ratio
Current: 75.53% · Tier avg: 74.53%
43
43th pctile
Non-Interest-Bearing Deposit Share
Current: 20.27% · Tier avg: 22.39%
38
38th pctile
Nonperforming Asset Ratio
Current: 0.48% · Tier avg: 0.45%
36
36th pctile
Delinquency Rate
Current: 0.73% · Tier avg: 0.64%
Top Weaknesses
36
36th pctile
Delinquency Rate
Current: 0.73% · Tier avg: 0.64%
38
38th pctile
Nonperforming Asset Ratio
Current: 0.48% · Tier avg: 0.45%
43
43th pctile
Non-Interest-Bearing Deposit Share
Current: 20.27% · Tier avg: 22.39%
49
49th pctile
Loan-to-Deposit Ratio
Current: 75.53% · Tier avg: 74.53%
54
54th pctile
Total Assets
Current: $210.1M · Tier avg: $217.5M
55
55th pctile
Total Deposits
Current: $181.3M · Tier avg: $183.7M
56
56th pctile
Total Loans
Current: $136.9M · Tier avg: $139.2M
57
57th pctile
Efficiency Ratio
Current: 63.57% · Tier avg: 67.73%
76
76th pctile
Tier 1 Capital Ratio
Current: 16.02% · Tier avg: 8.85%
84
84th pctile
Net Interest Margin
Current: 4.68% · Tier avg: 3.85%
89
89th pctile
Return on Assets
Current: 1.95% · Tier avg: 1.08%
98
98th pctile
Non-Interest Income / Assets
Current: 2.34% · Tier avg: 0.56%