BlastPoint's Banking Scorecard
State Bank of Jeffers
Micro
Specialty: Agricultural
MN
FDIC cert 10200
Designations: ✓ Community bank
Jeffers, MN
2498
banks in Micro tier nationally
179 in MN
View Micro leaderboard (MN) →
State Bank of Jeffers has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 19.91% below tier
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% below tier
Key Concerns
Areas that may need attention
- - Non-Interest Income / Assets 0.46% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$37.7M
-3.2% YoY
+0.8% QoQ
|
-$179.8M |
$217.5M
+2.3% YoY
|
$508.2M
+6.2% YoY
|
$5.9B
+6.5% YoY
|
Bottom 4% in tier |
| Total Loans ? |
$19.7M
+1.7% YoY
+0.5% QoQ
|
-$119.4M |
$139.2M
+2.8% YoY
|
$283.0M
+6.2% YoY
|
$3.1B
+8.5% YoY
|
Bottom 7% in tier |
| Total Deposits ? |
$32.3M
-5.0% YoY
+0.9% QoQ
|
-$151.3M |
$183.7M
+1.8% YoY
|
$438.4M
+5.3% YoY
|
$4.7B
+6.3% YoY
|
Bottom 5% in tier |
| Return on Assets ? |
1.58%
-13.5% YoY
-7.4% QoQ
|
+0.49% |
1.08%
+14.7% YoY
|
1.11%
+14.5% YoY
|
1.12%
+15.6% YoY
|
78% |
| Net Interest Margin ? |
4.52%
-3.7% YoY
+0.3% QoQ
|
+0.67% |
3.85%
+6.6% YoY
|
3.81%
+8.2% YoY
|
3.75%
+7.1% YoY
|
80% |
| Efficiency Ratio ? |
47.82%
+1.5% YoY
+9.4% QoQ
|
-19.91% |
67.73%
-4.8% YoY
|
65.34%
-5.0% YoY
|
65.09%
-5.1% YoY
|
Top 7% in tier |
| Delinquency Rate ? | 0.00% | -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 ? |
61.07%
+7.0% YoY
-0.4% QoQ
|
-13.46% |
74.53%
+0.5% YoY
|
76.97%
-0.8% YoY
|
78.04%
+0.7% YoY
|
75% |
| Non-Interest-Bearing Deposit Share ? |
34.12%
-9.5% YoY
+0.7% QoQ
|
+11.73% |
22.39%
-1.3% YoY
|
21.89%
-2.6% YoY
|
21.79%
-1.3% YoY
|
Top 13% in tier |
| Nonperforming Asset Ratio ? | 0.00% | -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 ? |
19.04%
+27.9% YoY
-1.1% QoQ
|
+10.18% |
8.85%
-3.4% YoY
|
11.33%
-0.2% YoY
|
9.75%
-1.9% YoY
|
85% |
| Non-Interest Income / Assets ? |
0.10%
-9.0% YoY
+26.6% QoQ
|
-0.46% |
0.56%
+0.3% YoY
|
0.50%
+4.9% YoY
|
0.65%
+0.6% YoY
|
Bottom 8% in tier |
Signature Analysis
Strengths (3)
Efficiency Ratio
metric
Top 7%
in Micro
Why this stands out
Current:
47.82%
(Tier avg: 67.73%, National avg: 65.09%)
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%)
Concerns (1)
Non-Interest Income / Assets
metric
Bottom 8%
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
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
93
93th pctile
Efficiency Ratio
Current: 47.82% · Tier avg: 67.73%
87
87th pctile
Non-Interest-Bearing Deposit Share
Current: 34.12% · Tier avg: 22.39%
85
85th pctile
Tier 1 Capital Ratio
Current: 19.04% · Tier avg: 8.85%
80
80th pctile
Net Interest Margin
Current: 4.52% · Tier avg: 3.85%
78
78th pctile
Return on Assets
Current: 1.58% · Tier avg: 1.08%
75
75th pctile
Loan-to-Deposit Ratio
Current: 61.07% · Tier avg: 74.53%
8
8th pctile
Non-Interest Income / Assets
Current: 0.10% · Tier avg: 0.56%
7
7th pctile
Total Loans
Current: $19.7M · Tier avg: $139.2M
5
5th pctile
Total Deposits
Current: $32.3M · Tier avg: $183.7M
4
4th pctile
Total Assets
Current: $37.7M · Tier avg: $217.5M
Top Weaknesses
4
4th pctile
Total Assets
Current: $37.7M · Tier avg: $217.5M
5
5th pctile
Total Deposits
Current: $32.3M · Tier avg: $183.7M
7
7th pctile
Total Loans
Current: $19.7M · Tier avg: $139.2M
8
8th pctile
Non-Interest Income / Assets
Current: 0.10% · Tier avg: 0.56%
75
75th pctile
Loan-to-Deposit Ratio
Current: 61.07% · Tier avg: 74.53%
78
78th pctile
Return on Assets
Current: 1.58% · Tier avg: 1.08%
80
80th pctile
Net Interest Margin
Current: 4.52% · Tier avg: 3.85%
85
85th pctile
Tier 1 Capital Ratio
Current: 19.04% · Tier avg: 8.85%
87
87th pctile
Non-Interest-Bearing Deposit Share
Current: 34.12% · Tier avg: 22.39%
93
93th pctile
Efficiency Ratio
Current: 47.82% · Tier avg: 67.73%
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%