BlastPoint's Banking Scorecard
Welcome State Bank
Micro
Specialty: Agricultural
MN
FDIC cert 11417
Designations: ✓ Community bank
Welcome, MN
2498
banks in Micro tier nationally
179 in MN
View Micro leaderboard (MN) →
Welcome State Bank demonstrates 3 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.20% above tier
- + 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 ? |
$44.2M
+4.1% YoY
+1.0% QoQ
|
-$173.3M |
$217.5M
+2.3% YoY
|
$508.2M
+6.2% YoY
|
$5.9B
+6.5% YoY
|
Bottom 6% in tier |
| Total Loans ? |
$28.7M
+4.0% YoY
-3.4% QoQ
|
-$110.5M |
$139.2M
+2.8% YoY
|
$283.0M
+6.2% YoY
|
$3.1B
+8.5% YoY
|
Bottom 10% in tier |
| Total Deposits ? |
$38.2M
+1.9% YoY
-0.4% QoQ
|
-$145.5M |
$183.7M
+1.8% YoY
|
$438.4M
+5.3% YoY
|
$4.7B
+6.3% YoY
|
Bottom 7% in tier |
| Return on Assets ? |
2.29%
+10.0% YoY
-11.7% QoQ
|
+1.20% |
1.08%
+14.7% YoY
|
1.11%
+14.5% YoY
|
1.12%
+15.6% YoY
|
Top 5% in tier |
| Net Interest Margin ? |
4.91%
+2.3% YoY
+0.8% QoQ
|
+1.06% |
3.85%
+6.6% YoY
|
3.81%
+8.2% YoY
|
3.75%
+7.1% YoY
|
Top 11% in tier |
| Efficiency Ratio ? |
51.29%
-4.9% YoY
+12.0% QoQ
|
-16.43% |
67.73%
-4.8% YoY
|
65.34%
-5.0% YoY
|
65.09%
-5.1% YoY
|
Top 12% in tier |
| Delinquency Rate ? |
0.00%
-100.0% YoY
|
-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 ? |
75.17%
+2.0% YoY
-3.0% QoQ
|
+0.64% |
74.53%
+0.5% YoY
|
76.97%
-0.8% YoY
|
78.04%
+0.7% YoY
|
48% |
| Non-Interest-Bearing Deposit Share ? |
32.59%
-12.3% YoY
-6.9% QoQ
|
+10.19% |
22.39%
-1.3% YoY
|
21.89%
-2.6% YoY
|
21.79%
-1.3% YoY
|
84% |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
|
-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%
-100.0% YoY
-100.0% QoQ
|
-8.85% |
8.85%
-3.4% YoY
|
11.33%
-0.2% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.59%
-5.8% YoY
+30.6% QoQ
|
+0.03% |
0.56%
+0.3% YoY
|
0.50%
+4.9% YoY
|
0.65%
+0.6% YoY
|
76% |
Signature Analysis
Strengths (3)
Return on Assets
metric
Top 5%
in Micro
Why this stands out
Current:
2.29%
(Tier avg: 1.08%, National avg: 1.12%)
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%
95
95th pctile
Return on Assets
Current: 2.29% · Tier avg: 1.08%
89
89th pctile
Net Interest Margin
Current: 4.91% · Tier avg: 3.85%
88
88th pctile
Efficiency Ratio
Current: 51.29% · Tier avg: 67.73%
84
84th pctile
Non-Interest-Bearing Deposit Share
Current: 32.59% · Tier avg: 22.39%
76
76th pctile
Non-Interest Income / Assets
Current: 0.59% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
48
48th pctile
Loan-to-Deposit Ratio
Current: 75.17% · Tier avg: 74.53%
10
10th pctile
Total Loans
Current: $28.7M · Tier avg: $139.2M
7
7th pctile
Total Deposits
Current: $38.2M · Tier avg: $183.7M
6
6th pctile
Total Assets
Current: $44.2M · Tier avg: $217.5M
Top Weaknesses
6
6th pctile
Total Assets
Current: $44.2M · Tier avg: $217.5M
7
7th pctile
Total Deposits
Current: $38.2M · Tier avg: $183.7M
10
10th pctile
Total Loans
Current: $28.7M · Tier avg: $139.2M
48
48th pctile
Loan-to-Deposit Ratio
Current: 75.17% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
76
76th pctile
Non-Interest Income / Assets
Current: 0.59% · Tier avg: 0.56%
84
84th pctile
Non-Interest-Bearing Deposit Share
Current: 32.59% · Tier avg: 22.39%
88
88th pctile
Efficiency Ratio
Current: 51.29% · Tier avg: 67.73%
89
89th pctile
Net Interest Margin
Current: 4.91% · Tier avg: 3.85%
95
95th pctile
Return on Assets
Current: 2.29% · Tier avg: 1.08%
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%