BlastPoint's Banking Scorecard
First State Bank of Bigfork
Micro
Specialty: Other
MN
FDIC cert 10991
Designations: ✓ Community bank
Bigfork, MN
2498
banks in Micro tier nationally
179 in MN
View Micro leaderboard (MN) →
First State Bank of Bigfork faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Delinquency Rate 6.12% above tier
- - Nonperforming Asset Ratio 4.45% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$113.7M
+4.9% YoY
+2.3% QoQ
|
-$103.8M |
$217.5M
+2.3% YoY
|
$508.2M
+6.2% YoY
|
$5.9B
+6.5% YoY
|
27% |
| Total Loans ? |
$81.0M
-3.5% YoY
-0.8% QoQ
|
-$58.1M |
$139.2M
+2.8% YoY
|
$283.0M
+6.2% YoY
|
$3.1B
+8.5% YoY
|
34% |
| Total Deposits ? |
$97.8M
+5.5% YoY
+2.7% QoQ
|
-$85.8M |
$183.7M
+1.8% YoY
|
$438.4M
+5.3% YoY
|
$4.7B
+6.3% YoY
|
28% |
| Return on Assets ? |
0.66%
-2.0% YoY
+11.4% QoQ
|
-0.42% |
1.08%
+14.7% YoY
|
1.11%
+14.5% YoY
|
1.12%
+15.6% YoY
|
26% |
| Net Interest Margin ? |
3.82%
-2.8% YoY
+4.9% QoQ
|
-0.03% |
3.85%
+6.6% YoY
|
3.81%
+8.2% YoY
|
3.75%
+7.1% YoY
|
51% |
| Efficiency Ratio ? |
71.31%
+3.0% YoY
-1.6% QoQ
|
+3.58% |
67.73%
-4.8% YoY
|
65.34%
-5.0% YoY
|
65.09%
-5.1% YoY
|
37% |
| Delinquency Rate ? |
6.76%
+48.4% YoY
-4.5% QoQ
|
+6.12% |
0.64%
+24.4% YoY
|
0.65%
+17.8% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
82.86%
-8.5% YoY
-3.4% QoQ
|
+8.33% |
74.53%
+0.5% YoY
|
76.97%
-0.8% YoY
|
78.04%
+0.7% YoY
|
37% |
| Non-Interest-Bearing Deposit Share ? |
16.78%
-5.9% YoY
-1.9% QoQ
|
-5.61% |
22.39%
-1.3% YoY
|
21.89%
-2.6% YoY
|
21.79%
-1.3% YoY
|
29% |
| Nonperforming Asset Ratio ? |
4.90%
+36.0% YoY
-7.3% QoQ
|
+4.45% |
0.45%
+25.1% YoY
|
0.46%
+7.5% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? |
18.44%
+12.3% YoY
+4.7% QoQ
|
+9.58% |
8.85%
-3.4% YoY
|
11.33%
-0.2% YoY
|
9.75%
-1.9% YoY
|
83% |
| Non-Interest Income / Assets ? |
0.33%
+36.3% YoY
+23.6% QoQ
|
-0.23% |
0.56%
+0.3% YoY
|
0.50%
+4.9% YoY
|
0.65%
+0.6% YoY
|
45% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Delinquency Rate
metric
Bottom 1%
in Micro
Why this stands out
Current:
6.76%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
4.90%
(Tier avg: 0.45%, National avg: 0.48%)
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
83
83th pctile
Tier 1 Capital Ratio
Current: 18.44% · Tier avg: 8.85%
51
51th pctile
Net Interest Margin
Current: 3.82% · Tier avg: 3.85%
45
45th pctile
Non-Interest Income / Assets
Current: 0.33% · Tier avg: 0.56%
37
37th pctile
Efficiency Ratio
Current: 71.31% · Tier avg: 67.73%
37
37th pctile
Loan-to-Deposit Ratio
Current: 82.86% · Tier avg: 74.53%
34
34th pctile
Total Loans
Current: $81.0M · Tier avg: $139.2M
29
29th pctile
Non-Interest-Bearing Deposit Share
Current: 16.78% · Tier avg: 22.39%
28
28th pctile
Total Deposits
Current: $97.8M · Tier avg: $183.7M
27
27th pctile
Total Assets
Current: $113.7M · Tier avg: $217.5M
26
26th pctile
Return on Assets
Current: 0.66% · Tier avg: 1.08%
0
0th pctile
Delinquency Rate
Current: 6.76% · Tier avg: 0.64%
0
0th pctile
Nonperforming Asset Ratio
Current: 4.90% · Tier avg: 0.45%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 4.90% · Tier avg: 0.45%
0
0th pctile
Delinquency Rate
Current: 6.76% · Tier avg: 0.64%
26
26th pctile
Return on Assets
Current: 0.66% · Tier avg: 1.08%
27
27th pctile
Total Assets
Current: $113.7M · Tier avg: $217.5M
28
28th pctile
Total Deposits
Current: $97.8M · Tier avg: $183.7M
29
29th pctile
Non-Interest-Bearing Deposit Share
Current: 16.78% · Tier avg: 22.39%
34
34th pctile
Total Loans
Current: $81.0M · Tier avg: $139.2M
37
37th pctile
Loan-to-Deposit Ratio
Current: 82.86% · Tier avg: 74.53%
37
37th pctile
Efficiency Ratio
Current: 71.31% · Tier avg: 67.73%
45
45th pctile
Non-Interest Income / Assets
Current: 0.33% · Tier avg: 0.56%
51
51th pctile
Net Interest Margin
Current: 3.82% · Tier avg: 3.85%
83
83th pctile
Tier 1 Capital Ratio
Current: 18.44% · Tier avg: 8.85%