BlastPoint's Banking Scorecard
Perennial Bank
Micro
Specialty: Other
MN
FDIC cert 1413
Designations: ✓ Community bank
Darwin, MN
2498
banks in Micro tier nationally
179 in MN
View Micro leaderboard (MN) →
Perennial Bank has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Tier 1 Capital Ratio 14.11% above tier
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 31.50% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$156.7M
+9.8% YoY
+4.6% QoQ
|
-$60.8M |
$217.5M
+2.3% YoY
|
$508.2M
+6.2% YoY
|
$5.9B
+6.5% YoY
|
40% |
| Total Loans ? |
$61.7M
+9.2% YoY
+1.3% QoQ
|
-$77.5M |
$139.2M
+2.8% YoY
|
$283.0M
+6.2% YoY
|
$3.1B
+8.5% YoY
|
25% |
| Total Deposits ? |
$143.4M
+8.1% YoY
+4.8% QoQ
|
-$40.2M |
$183.7M
+1.8% YoY
|
$438.4M
+5.3% YoY
|
$4.7B
+6.3% YoY
|
43% |
| Return on Assets ? |
0.97%
+12.5% YoY
-2.4% QoQ
|
-0.11% |
1.08%
+14.7% YoY
|
1.11%
+14.5% YoY
|
1.12%
+15.6% YoY
|
44% |
| Net Interest Margin ? |
2.94%
+7.7% YoY
+0.9% QoQ
|
-0.91% |
3.85%
+6.6% YoY
|
3.81%
+8.2% YoY
|
3.75%
+7.1% YoY
|
Bottom 14% in tier |
| Efficiency Ratio ? |
61.30%
-5.3% YoY
+0.3% QoQ
|
-6.43% |
67.73%
-4.8% YoY
|
65.34%
-5.0% YoY
|
65.09%
-5.1% YoY
|
63% |
| Delinquency Rate ? |
0.67%
+71.5% YoY
-25.8% QoQ
|
+0.03% |
0.64%
+24.4% YoY
|
0.65%
+17.8% YoY
|
0.66%
+20.3% YoY
|
39% |
| Loan-to-Deposit Ratio ? |
43.02%
+1.1% YoY
-3.3% QoQ
|
-31.50% |
74.53%
+0.5% YoY
|
76.97%
-0.8% YoY
|
78.04%
+0.7% YoY
|
Bottom 8% in tier |
| Non-Interest-Bearing Deposit Share ? |
30.08%
+2.4% YoY
+5.3% QoQ
|
+7.68% |
22.39%
-1.3% YoY
|
21.89%
-2.6% YoY
|
21.79%
-1.3% YoY
|
79% |
| Nonperforming Asset Ratio ? |
0.26%
+70.5% YoY
-28.1% QoQ
|
-0.19% |
0.45%
+25.1% YoY
|
0.46%
+7.5% YoY
|
0.48%
+20.8% YoY
|
51% |
| Tier 1 Capital Ratio ? |
22.96%
+0.1% YoY
+1.3% QoQ
|
+14.11% |
8.85%
-3.4% YoY
|
11.33%
-0.2% YoY
|
9.75%
-1.9% YoY
|
Top 9% in tier |
| Non-Interest Income / Assets ? |
0.23%
-18.8% YoY
+25.7% QoQ
|
-0.34% |
0.56%
+0.3% YoY
|
0.50%
+4.9% YoY
|
0.65%
+0.6% YoY
|
27% |
Signature Analysis
Strengths (1)
Tier 1 Capital Ratio
metric
Top 9%
in Micro
Why this stands out
Current:
22.96%
(Tier avg: 8.85%, National avg: 9.75%)
Concerns (1)
Loan-to-Deposit Ratio
metric
Bottom 8%
in Micro
Why this stands out
Current:
43.02%
(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: 22.96% · Tier avg: 8.85%
79
79th pctile
Non-Interest-Bearing Deposit Share
Current: 30.08% · Tier avg: 22.39%
63
63th pctile
Efficiency Ratio
Current: 61.30% · Tier avg: 67.73%
51
51th pctile
Nonperforming Asset Ratio
Current: 0.26% · Tier avg: 0.45%
44
44th pctile
Return on Assets
Current: 0.97% · Tier avg: 1.08%
43
43th pctile
Total Deposits
Current: $143.4M · Tier avg: $183.7M
40
40th pctile
Total Assets
Current: $156.7M · Tier avg: $217.5M
39
39th pctile
Delinquency Rate
Current: 0.67% · Tier avg: 0.64%
27
27th pctile
Non-Interest Income / Assets
Current: 0.23% · Tier avg: 0.56%
25
25th pctile
Total Loans
Current: $61.7M · Tier avg: $139.2M
14
14th pctile
Net Interest Margin
Current: 2.94% · Tier avg: 3.85%
8
8th pctile
Loan-to-Deposit Ratio
Current: 43.02% · Tier avg: 74.53%
Top Weaknesses
8
8th pctile
Loan-to-Deposit Ratio
Current: 43.02% · Tier avg: 74.53%
14
14th pctile
Net Interest Margin
Current: 2.94% · Tier avg: 3.85%
25
25th pctile
Total Loans
Current: $61.7M · Tier avg: $139.2M
27
27th pctile
Non-Interest Income / Assets
Current: 0.23% · Tier avg: 0.56%
39
39th pctile
Delinquency Rate
Current: 0.67% · Tier avg: 0.64%
40
40th pctile
Total Assets
Current: $156.7M · Tier avg: $217.5M
43
43th pctile
Total Deposits
Current: $143.4M · Tier avg: $183.7M
44
44th pctile
Return on Assets
Current: 0.97% · Tier avg: 1.08%
51
51th pctile
Nonperforming Asset Ratio
Current: 0.26% · Tier avg: 0.45%
63
63th pctile
Efficiency Ratio
Current: 61.30% · Tier avg: 67.73%
79
79th pctile
Non-Interest-Bearing Deposit Share
Current: 30.08% · Tier avg: 22.39%
91
91th pctile
Tier 1 Capital Ratio
Current: 22.96% · Tier avg: 8.85%