BlastPoint's Banking Scorecard
Arlington State Bank
Micro
Specialty: Agricultural
MN
FDIC cert 1391
Designations: ✓ Community bank
Arlington, MN
2498
banks in Micro tier nationally
179 in MN
View Micro leaderboard (MN) →
Arlington State Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Tier 1 Capital Ratio 14.56% above tier
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.24% below tier
- - Efficiency Ratio 29.08% above tier
- - Loan-to-Deposit Ratio 35.73% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$55.1M
-4.0% YoY
+2.8% QoQ
|
-$162.4M |
$217.5M
+2.3% YoY
|
$508.2M
+6.2% YoY
|
$5.9B
+6.5% YoY
|
Bottom 9% in tier |
| Total Loans ? |
$19.8M
+8.8% YoY
+2.5% QoQ
|
-$119.4M |
$139.2M
+2.8% YoY
|
$283.0M
+6.2% YoY
|
$3.1B
+8.5% YoY
|
Bottom 7% in tier |
| Total Deposits ? |
$50.9M
-7.1% YoY
+2.3% QoQ
|
-$132.7M |
$183.7M
+1.8% YoY
|
$438.4M
+5.3% YoY
|
$4.7B
+6.3% YoY
|
Bottom 11% in tier |
| Return on Assets ? |
0.36%
+37.5% YoY
-6.2% QoQ
|
-0.72% |
1.08%
+14.7% YoY
|
1.11%
+14.5% YoY
|
1.12%
+15.6% YoY
|
Bottom 14% in tier |
| Net Interest Margin ? |
2.61%
+4.1% YoY
+0.4% QoQ
|
-1.24% |
3.85%
+6.6% YoY
|
3.81%
+8.2% YoY
|
3.75%
+7.1% YoY
|
Bottom 7% in tier |
| Efficiency Ratio ? |
96.80%
+10.7% YoY
-2.6% QoQ
|
+29.08% |
67.73%
-4.8% YoY
|
65.34%
-5.0% YoY
|
65.09%
-5.1% YoY
|
Bottom 6% in tier |
| Delinquency Rate ? |
0.03%
-8.1% YoY
-82.6% QoQ
|
-0.61% |
0.64%
+24.4% YoY
|
0.65%
+17.8% YoY
|
0.66%
+20.3% YoY
|
79% |
| Loan-to-Deposit Ratio ? |
38.80%
+17.2% YoY
+0.2% QoQ
|
-35.73% |
74.53%
+0.5% YoY
|
76.97%
-0.8% YoY
|
78.04%
+0.7% YoY
|
Bottom 5% in tier |
| Non-Interest-Bearing Deposit Share ? |
31.53%
-3.5% YoY
+6.8% QoQ
|
+9.14% |
22.39%
-1.3% YoY
|
21.89%
-2.6% YoY
|
21.79%
-1.3% YoY
|
83% |
| Nonperforming Asset Ratio ? |
0.01%
+4.2% YoY
-82.6% QoQ
|
-0.44% |
0.45%
+25.1% YoY
|
0.46%
+7.5% YoY
|
0.48%
+20.8% YoY
|
81% |
| Tier 1 Capital Ratio ? |
23.41%
-4.0% YoY
-2.2% QoQ
|
+14.56% |
8.85%
-3.4% YoY
|
11.33%
-0.2% YoY
|
9.75%
-1.9% YoY
|
Top 9% in tier |
| Non-Interest Income / Assets ? |
0.17%
-9.4% YoY
+53.3% QoQ
|
-0.39% |
0.56%
+0.3% YoY
|
0.50%
+4.9% YoY
|
0.65%
+0.6% YoY
|
18% |
Signature Analysis
Strengths (1)
Tier 1 Capital Ratio
metric
Top 9%
in Micro
Why this stands out
Current:
23.41%
(Tier avg: 8.85%, National avg: 9.75%)
Concerns (3)
Net Interest Margin
metric
Bottom 7%
in Micro
Why this stands out
Current:
2.61%
(Tier avg: 3.85%, National avg: 3.75%)
Efficiency Ratio
metric
Bottom 6%
in Micro
Why this stands out
Current:
96.80%
(Tier avg: 67.73%, National avg: 65.09%)
Loan-to-Deposit Ratio
metric
Bottom 5%
in Micro
Why this stands out
Current:
38.80%
(Tier avg: 74.53%, National avg: 78.04%)
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
91
91th pctile
Tier 1 Capital Ratio
Current: 23.41% · Tier avg: 8.85%
83
83th pctile
Non-Interest-Bearing Deposit Share
Current: 31.53% · Tier avg: 22.39%
81
81th pctile
Nonperforming Asset Ratio
Current: 0.01% · Tier avg: 0.45%
79
79th pctile
Delinquency Rate
Current: 0.03% · Tier avg: 0.64%
18
18th pctile
Non-Interest Income / Assets
Current: 0.17% · Tier avg: 0.56%
14
14th pctile
Return on Assets
Current: 0.36% · Tier avg: 1.08%
11
11th pctile
Total Deposits
Current: $50.9M · Tier avg: $183.7M
9
9th pctile
Total Assets
Current: $55.1M · Tier avg: $217.5M
7
7th pctile
Net Interest Margin
Current: 2.61% · Tier avg: 3.85%
7
7th pctile
Total Loans
Current: $19.8M · Tier avg: $139.2M
6
6th pctile
Efficiency Ratio
Current: 96.80% · Tier avg: 67.73%
5
5th pctile
Loan-to-Deposit Ratio
Current: 38.80% · Tier avg: 74.53%
Top Weaknesses
5
5th pctile
Loan-to-Deposit Ratio
Current: 38.80% · Tier avg: 74.53%
6
6th pctile
Efficiency Ratio
Current: 96.80% · Tier avg: 67.73%
7
7th pctile
Total Loans
Current: $19.8M · Tier avg: $139.2M
7
7th pctile
Net Interest Margin
Current: 2.61% · Tier avg: 3.85%
9
9th pctile
Total Assets
Current: $55.1M · Tier avg: $217.5M
11
11th pctile
Total Deposits
Current: $50.9M · Tier avg: $183.7M
14
14th pctile
Return on Assets
Current: 0.36% · Tier avg: 1.08%
18
18th pctile
Non-Interest Income / Assets
Current: 0.17% · Tier avg: 0.56%
79
79th pctile
Delinquency Rate
Current: 0.03% · Tier avg: 0.64%
81
81th pctile
Nonperforming Asset Ratio
Current: 0.01% · Tier avg: 0.45%
83
83th pctile
Non-Interest-Bearing Deposit Share
Current: 31.53% · Tier avg: 22.39%
91
91th pctile
Tier 1 Capital Ratio
Current: 23.41% · Tier avg: 8.85%