BlastPoint's Banking Scorecard
Root River State Bank
Micro
Specialty: Agricultural
MN
FDIC cert 1098
Designations: ✓ Community bank
Chatfield, MN
2498
banks in Micro tier nationally
179 in MN
View Micro leaderboard (MN) →
Root River State Bank has 3 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Loan-to-Deposit Ratio 38.83% below tier
- + Nonperforming Asset Ratio 0.45% below tier
Key Concerns
Areas that may need attention
- - Return on Assets 1.02% below tier
- - Net Interest Margin 1.71% below tier
- - Efficiency Ratio 31.11% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$85.9M
+5.0% YoY
+5.0% QoQ
|
-$131.6M |
$217.5M
+2.3% YoY
|
$508.2M
+6.2% YoY
|
$5.9B
+6.5% YoY
|
18% |
| Total Loans ? |
$28.4M
-7.1% YoY
-2.5% QoQ
|
-$110.8M |
$139.2M
+2.8% YoY
|
$283.0M
+6.2% YoY
|
$3.1B
+8.5% YoY
|
Bottom 10% in tier |
| Total Deposits ? |
$79.4M
+3.5% YoY
+5.4% QoQ
|
-$104.2M |
$183.7M
+1.8% YoY
|
$438.4M
+5.3% YoY
|
$4.7B
+6.3% YoY
|
21% |
| Return on Assets ? |
0.06%
+247.6% YoY
-14.1% QoQ
|
-1.02% |
1.08%
+14.7% YoY
|
1.11%
+14.5% YoY
|
1.12%
+15.6% YoY
|
Bottom 7% in tier |
| Net Interest Margin ? |
2.15%
+1.4% YoY
-0.7% QoQ
|
-1.71% |
3.85%
+6.6% YoY
|
3.81%
+8.2% YoY
|
3.75%
+7.1% YoY
|
Bottom 3% in tier |
| Efficiency Ratio ? |
98.83%
-4.0% YoY
+0.1% QoQ
|
+31.11% |
67.73%
-4.8% YoY
|
65.34%
-5.0% YoY
|
65.09%
-5.1% YoY
|
Bottom 5% 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 ? |
35.70%
-10.3% YoY
-7.4% QoQ
|
-38.83% |
74.53%
+0.5% YoY
|
76.97%
-0.8% YoY
|
78.04%
+0.7% YoY
|
Top 4% in tier |
| Non-Interest-Bearing Deposit Share ? |
9.78%
-0.5% YoY
-2.8% QoQ
|
-12.62% |
22.39%
-1.3% YoY
|
21.89%
-2.6% YoY
|
21.79%
-1.3% YoY
|
Bottom 11% 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 ? |
19.65%
+0.3% YoY
-2.3% QoQ
|
+10.79% |
8.85%
-3.4% YoY
|
11.33%
-0.2% YoY
|
9.75%
-1.9% YoY
|
Top 14% in tier |
| Non-Interest Income / Assets ? |
0.17%
-0.8% YoY
+26.7% QoQ
|
-0.39% |
0.56%
+0.3% YoY
|
0.50%
+4.9% YoY
|
0.65%
+0.6% YoY
|
19% |
Signature Analysis
Strengths (3)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Loan-to-Deposit Ratio
metric
Top 4%
in Micro
Why this stands out
Current:
35.70%
(Tier avg: 74.53%, National avg: 78.04%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Concerns (3)
Return on Assets
metric
Bottom 7%
in Micro
Why this stands out
Current:
0.06%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 3%
in Micro
Why this stands out
Current:
2.15%
(Tier avg: 3.85%, National avg: 3.75%)
Efficiency Ratio
metric
Bottom 5%
in Micro
Why this stands out
Current:
98.83%
(Tier avg: 67.73%, National avg: 65.09%)
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%
96
96th pctile
Loan-to-Deposit Ratio
Current: 35.70% · Tier avg: 74.53%
86
86th pctile
Tier 1 Capital Ratio
Current: 19.65% · Tier avg: 8.85%
21
21th pctile
Total Deposits
Current: $79.4M · Tier avg: $183.7M
19
19th pctile
Non-Interest Income / Assets
Current: 0.17% · Tier avg: 0.56%
18
18th pctile
Total Assets
Current: $85.9M · Tier avg: $217.5M
11
11th pctile
Non-Interest-Bearing Deposit Share
Current: 9.78% · Tier avg: 22.39%
10
10th pctile
Total Loans
Current: $28.4M · Tier avg: $139.2M
7
7th pctile
Return on Assets
Current: 0.06% · Tier avg: 1.08%
5
5th pctile
Efficiency Ratio
Current: 98.83% · Tier avg: 67.73%
3
3th pctile
Net Interest Margin
Current: 2.15% · Tier avg: 3.85%
Top Weaknesses
3
3th pctile
Net Interest Margin
Current: 2.15% · Tier avg: 3.85%
5
5th pctile
Efficiency Ratio
Current: 98.83% · Tier avg: 67.73%
7
7th pctile
Return on Assets
Current: 0.06% · Tier avg: 1.08%
10
10th pctile
Total Loans
Current: $28.4M · Tier avg: $139.2M
11
11th pctile
Non-Interest-Bearing Deposit Share
Current: 9.78% · Tier avg: 22.39%
18
18th pctile
Total Assets
Current: $85.9M · Tier avg: $217.5M
19
19th pctile
Non-Interest Income / Assets
Current: 0.17% · Tier avg: 0.56%
21
21th pctile
Total Deposits
Current: $79.4M · Tier avg: $183.7M
86
86th pctile
Tier 1 Capital Ratio
Current: 19.65% · Tier avg: 8.85%
96
96th pctile
Loan-to-Deposit Ratio
Current: 35.70% · Tier avg: 74.53%
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%