BlastPoint's Banking Scorecard
Janesville State Bank
Micro
Specialty: Agricultural
MN
FDIC cert 10960
Designations: ✓ Community bank
Janesville, MN
2498
banks in Micro tier nationally
179 in MN
View Micro leaderboard (MN) →
Janesville State Bank shows strong momentum with 2 strengths and 5.3% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% 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 ? |
$95.0M
+5.3% YoY
+3.9% QoQ
|
-$122.5M |
$217.5M
+2.3% YoY
|
$508.2M
+6.2% YoY
|
$5.9B
+6.5% YoY
|
21% |
| Total Loans ? |
$72.1M
+6.2% YoY
+4.6% QoQ
|
-$67.1M |
$139.2M
+2.8% YoY
|
$283.0M
+6.2% YoY
|
$3.1B
+8.5% YoY
|
30% |
| Total Deposits ? |
$79.2M
+4.9% YoY
+4.0% QoQ
|
-$104.5M |
$183.7M
+1.8% YoY
|
$438.4M
+5.3% YoY
|
$4.7B
+6.3% YoY
|
21% |
| Return on Assets ? |
1.43%
+48.4% YoY
-2.8% QoQ
|
+0.35% |
1.08%
+14.7% YoY
|
1.11%
+14.5% YoY
|
1.12%
+15.6% YoY
|
71% |
| Net Interest Margin ? |
3.45%
+21.6% YoY
+1.1% QoQ
|
-0.41% |
3.85%
+6.6% YoY
|
3.81%
+8.2% YoY
|
3.75%
+7.1% YoY
|
31% |
| Efficiency Ratio ? |
55.24%
-12.9% YoY
+0.2% QoQ
|
-12.49% |
67.73%
-4.8% YoY
|
65.34%
-5.0% YoY
|
65.09%
-5.1% YoY
|
80% |
| 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 ? |
91.05%
+1.3% YoY
+0.6% QoQ
|
+16.53% |
74.53%
+0.5% YoY
|
76.97%
-0.8% YoY
|
78.04%
+0.7% YoY
|
21% |
| Non-Interest-Bearing Deposit Share ? |
23.08%
+6.3% YoY
+1.9% QoQ
|
+0.69% |
22.39%
-1.3% YoY
|
21.89%
-2.6% YoY
|
21.79%
-1.3% YoY
|
56% |
| 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 ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
11.33%
-0.2% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.26%
-0.6% YoY
+30.7% QoQ
|
-0.31% |
0.56%
+0.3% YoY
|
0.50%
+4.9% YoY
|
0.65%
+0.6% YoY
|
33% |
Signature Analysis
Strengths (2)
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 (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
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%
80
80th pctile
Efficiency Ratio
Current: 55.24% · Tier avg: 67.73%
71
71th pctile
Return on Assets
Current: 1.43% · Tier avg: 1.08%
56
56th pctile
Non-Interest-Bearing Deposit Share
Current: 23.08% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
33
33th pctile
Non-Interest Income / Assets
Current: 0.26% · Tier avg: 0.56%
31
31th pctile
Net Interest Margin
Current: 3.45% · Tier avg: 3.85%
30
30th pctile
Total Loans
Current: $72.1M · Tier avg: $139.2M
21
21th pctile
Total Deposits
Current: $79.2M · Tier avg: $183.7M
21
21th pctile
Total Assets
Current: $95.0M · Tier avg: $217.5M
21
21th pctile
Loan-to-Deposit Ratio
Current: 91.05% · Tier avg: 74.53%
Top Weaknesses
21
21th pctile
Loan-to-Deposit Ratio
Current: 91.05% · Tier avg: 74.53%
21
21th pctile
Total Assets
Current: $95.0M · Tier avg: $217.5M
21
21th pctile
Total Deposits
Current: $79.2M · Tier avg: $183.7M
30
30th pctile
Total Loans
Current: $72.1M · Tier avg: $139.2M
31
31th pctile
Net Interest Margin
Current: 3.45% · Tier avg: 3.85%
33
33th pctile
Non-Interest Income / Assets
Current: 0.26% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
56
56th pctile
Non-Interest-Bearing Deposit Share
Current: 23.08% · Tier avg: 22.39%
71
71th pctile
Return on Assets
Current: 1.43% · Tier avg: 1.08%
80
80th pctile
Efficiency Ratio
Current: 55.24% · 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%