BlastPoint's Banking Scorecard
Randall State Bank
Micro
Specialty: Commercial
MN
FDIC cert 10969
Designations: ✓ Community bank
Randall, MN
2498
banks in Micro tier nationally
179 in MN
View Micro leaderboard (MN) →
Randall State Bank faces 4 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Net Interest Margin 2.16% below tier
- - Delinquency Rate 1.86% above tier
- - Nonperforming Asset Ratio 1.47% above tier
- - Non-Interest Income / Assets 0.54% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$71.0M
+21.7% YoY
-5.1% QoQ
|
-$146.5M |
$217.5M
+2.3% YoY
|
$508.2M
+6.2% YoY
|
$5.9B
+6.5% YoY
|
Bottom 13% in tier |
| Total Loans ? |
$54.6M
+18.2% YoY
+5.3% QoQ
|
-$84.6M |
$139.2M
+2.8% YoY
|
$283.0M
+6.2% YoY
|
$3.1B
+8.5% YoY
|
22% |
| Total Deposits ? |
$58.7M
+12.2% YoY
-14.0% QoQ
|
-$125.0M |
$183.7M
+1.8% YoY
|
$438.4M
+5.3% YoY
|
$4.7B
+6.3% YoY
|
Bottom 13% in tier |
| Return on Assets ? |
0.34%
-63.4% YoY
-71.9% QoQ
|
-0.74% |
1.08%
+14.7% YoY
|
1.11%
+14.5% YoY
|
1.12%
+15.6% YoY
|
Bottom 13% in tier |
| Net Interest Margin ? |
1.70%
-67.8% YoY
-69.5% QoQ
|
-2.16% |
3.85%
+6.6% YoY
|
3.81%
+8.2% YoY
|
3.75%
+7.1% YoY
|
Bottom 1% in tier |
| Efficiency Ratio ? |
55.96%
-16.7% YoY
-13.1% QoQ
|
-11.77% |
67.73%
-4.8% YoY
|
65.34%
-5.0% YoY
|
65.09%
-5.1% YoY
|
79% |
| Delinquency Rate ? |
2.50%
+175.2% YoY
+16.8% QoQ
|
+1.86% |
0.64%
+24.4% YoY
|
0.65%
+17.8% YoY
|
0.66%
+20.3% YoY
|
Bottom 9% in tier |
| Loan-to-Deposit Ratio ? |
92.98%
+5.3% YoY
+22.4% QoQ
|
+18.45% |
74.53%
+0.5% YoY
|
76.97%
-0.8% YoY
|
78.04%
+0.7% YoY
|
18% |
| Non-Interest-Bearing Deposit Share ? |
25.94%
-12.0% YoY
+20.3% QoQ
|
+3.55% |
22.39%
-1.3% YoY
|
21.89%
-2.6% YoY
|
21.79%
-1.3% YoY
|
66% |
| Nonperforming Asset Ratio ? |
1.92%
+145.6% YoY
+29.7% QoQ
|
+1.47% |
0.45%
+25.1% YoY
|
0.46%
+7.5% YoY
|
0.48%
+20.8% YoY
|
Bottom 7% 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 ? |
0.03%
-71.6% YoY
+110.7% QoQ
|
-0.54% |
0.56%
+0.3% YoY
|
0.50%
+4.9% YoY
|
0.65%
+0.6% YoY
|
Bottom 1% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (4)
Net Interest Margin
metric
Bottom 1%
in Micro
Why this stands out
Current:
1.70%
(Tier avg: 3.85%, National avg: 3.75%)
Delinquency Rate
metric
Bottom 9%
in Micro
Why this stands out
Current:
2.50%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 7%
in Micro
Why this stands out
Current:
1.92%
(Tier avg: 0.45%, National avg: 0.48%)
Non-Interest Income / Assets
metric
Bottom 1%
in Micro
Why this stands out
Current:
0.03%
(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
79
79th pctile
Efficiency Ratio
Current: 55.96% · Tier avg: 67.73%
66
66th pctile
Non-Interest-Bearing Deposit Share
Current: 25.94% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
22
22th pctile
Total Loans
Current: $54.6M · Tier avg: $139.2M
18
18th pctile
Loan-to-Deposit Ratio
Current: 92.98% · Tier avg: 74.53%
13
13th pctile
Total Deposits
Current: $58.7M · Tier avg: $183.7M
13
13th pctile
Return on Assets
Current: 0.34% · Tier avg: 1.08%
13
13th pctile
Total Assets
Current: $71.0M · Tier avg: $217.5M
9
9th pctile
Delinquency Rate
Current: 2.50% · Tier avg: 0.64%
7
7th pctile
Nonperforming Asset Ratio
Current: 1.92% · Tier avg: 0.45%
1
1th pctile
Non-Interest Income / Assets
Current: 0.03% · Tier avg: 0.56%
1
1th pctile
Net Interest Margin
Current: 1.70% · Tier avg: 3.85%
Top Weaknesses
1
1th pctile
Net Interest Margin
Current: 1.70% · Tier avg: 3.85%
1
1th pctile
Non-Interest Income / Assets
Current: 0.03% · Tier avg: 0.56%
7
7th pctile
Nonperforming Asset Ratio
Current: 1.92% · Tier avg: 0.45%
9
9th pctile
Delinquency Rate
Current: 2.50% · Tier avg: 0.64%
13
13th pctile
Total Assets
Current: $71.0M · Tier avg: $217.5M
13
13th pctile
Return on Assets
Current: 0.34% · Tier avg: 1.08%
13
13th pctile
Total Deposits
Current: $58.7M · Tier avg: $183.7M
18
18th pctile
Loan-to-Deposit Ratio
Current: 92.98% · Tier avg: 74.53%
22
22th pctile
Total Loans
Current: $54.6M · Tier avg: $139.2M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
66
66th pctile
Non-Interest-Bearing Deposit Share
Current: 25.94% · Tier avg: 22.39%
79
79th pctile
Efficiency Ratio
Current: 55.96% · Tier avg: 67.73%