BlastPoint's Banking Scorecard
Integrity Bank Plus
Micro
Specialty: Agricultural
MN
FDIC cert 15578
Designations: ✓ Community bank
Wabasso, MN
2498
banks in Micro tier nationally
179 in MN
View Micro leaderboard (MN) →
Integrity Bank Plus faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Non-Interest Income / Assets 0.45% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$90.1M
-0.0% YoY
+2.4% QoQ
|
-$127.4M |
$217.5M
+2.3% YoY
|
$508.2M
+6.2% YoY
|
$5.9B
+6.5% YoY
|
20% |
| Total Loans ? |
$64.9M
+11.2% YoY
+6.0% QoQ
|
-$74.3M |
$139.2M
+2.8% YoY
|
$283.0M
+6.2% YoY
|
$3.1B
+8.5% YoY
|
26% |
| Total Deposits ? |
$78.3M
-3.6% YoY
+1.1% QoQ
|
-$105.4M |
$183.7M
+1.8% YoY
|
$438.4M
+5.3% YoY
|
$4.7B
+6.3% YoY
|
21% |
| Return on Assets ? |
1.31%
-1.4% YoY
-14.9% QoQ
|
+0.23% |
1.08%
+14.7% YoY
|
1.11%
+14.5% YoY
|
1.12%
+15.6% YoY
|
65% |
| Net Interest Margin ? |
4.61%
-13.1% YoY
+1.6% QoQ
|
+0.76% |
3.85%
+6.6% YoY
|
3.81%
+8.2% YoY
|
3.75%
+7.1% YoY
|
82% |
| Efficiency Ratio ? |
65.89%
-6.5% YoY
+12.4% QoQ
|
-1.84% |
67.73%
-4.8% YoY
|
65.34%
-5.0% YoY
|
65.09%
-5.1% YoY
|
51% |
| Delinquency Rate ? |
2.19%
+81.8% YoY
-23.6% QoQ
|
+1.55% |
0.64%
+24.4% YoY
|
0.65%
+17.8% YoY
|
0.66%
+20.3% YoY
|
Bottom 11% in tier |
| Loan-to-Deposit Ratio ? |
82.88%
+15.3% YoY
+4.8% QoQ
|
+8.35% |
74.53%
+0.5% YoY
|
76.97%
-0.8% YoY
|
78.04%
+0.7% YoY
|
37% |
| Non-Interest-Bearing Deposit Share ? |
33.25%
-0.2% YoY
-0.4% QoQ
|
+10.85% |
22.39%
-1.3% YoY
|
21.89%
-2.6% YoY
|
21.79%
-1.3% YoY
|
Top 15% in tier |
| Nonperforming Asset Ratio ? |
1.57%
+102.2% YoY
-21.0% QoQ
|
+1.12% |
0.45%
+25.1% YoY
|
0.46%
+7.5% YoY
|
0.48%
+20.8% YoY
|
Bottom 11% in tier |
| Tier 1 Capital Ratio ? |
14.01%
-4.1% YoY
-5.1% QoQ
|
+5.16% |
8.85%
-3.4% YoY
|
11.33%
-0.2% YoY
|
9.75%
-1.9% YoY
|
68% |
| Non-Interest Income / Assets ? |
0.12%
+22.4% YoY
+20.9% QoQ
|
-0.45% |
0.56%
+0.3% YoY
|
0.50%
+4.9% YoY
|
0.65%
+0.6% YoY
|
Bottom 10% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Non-Interest Income / Assets
metric
Bottom 10%
in Micro
Non-Interest Income as a share of assets is in the bottom decile of tier peers. Revenue mix is heavily reliant on spread income - earnings more exposed to rate cycle inflections.
Why this stands out
Current:
0.12%
(Tier avg: 0.56%, National avg: 0.65%)
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
85
85th pctile
Non-Interest-Bearing Deposit Share
Current: 33.25% · Tier avg: 22.39%
82
82th pctile
Net Interest Margin
Current: 4.61% · Tier avg: 3.85%
68
68th pctile
Tier 1 Capital Ratio
Current: 14.01% · Tier avg: 8.85%
65
65th pctile
Return on Assets
Current: 1.31% · Tier avg: 1.08%
51
51th pctile
Efficiency Ratio
Current: 65.89% · Tier avg: 67.73%
37
37th pctile
Loan-to-Deposit Ratio
Current: 82.88% · Tier avg: 74.53%
26
26th pctile
Total Loans
Current: $64.9M · Tier avg: $139.2M
21
21th pctile
Total Deposits
Current: $78.3M · Tier avg: $183.7M
20
20th pctile
Total Assets
Current: $90.1M · Tier avg: $217.5M
11
11th pctile
Delinquency Rate
Current: 2.19% · Tier avg: 0.64%
11
11th pctile
Nonperforming Asset Ratio
Current: 1.57% · Tier avg: 0.45%
10
10th pctile
Non-Interest Income / Assets
Current: 0.12% · Tier avg: 0.56%
Top Weaknesses
10
10th pctile
Non-Interest Income / Assets
Current: 0.12% · Tier avg: 0.56%
11
11th pctile
Nonperforming Asset Ratio
Current: 1.57% · Tier avg: 0.45%
11
11th pctile
Delinquency Rate
Current: 2.19% · Tier avg: 0.64%
20
20th pctile
Total Assets
Current: $90.1M · Tier avg: $217.5M
21
21th pctile
Total Deposits
Current: $78.3M · Tier avg: $183.7M
26
26th pctile
Total Loans
Current: $64.9M · Tier avg: $139.2M
37
37th pctile
Loan-to-Deposit Ratio
Current: 82.88% · Tier avg: 74.53%
51
51th pctile
Efficiency Ratio
Current: 65.89% · Tier avg: 67.73%
65
65th pctile
Return on Assets
Current: 1.31% · Tier avg: 1.08%
68
68th pctile
Tier 1 Capital Ratio
Current: 14.01% · Tier avg: 8.85%
82
82th pctile
Net Interest Margin
Current: 4.61% · Tier avg: 3.85%
85
85th pctile
Non-Interest-Bearing Deposit Share
Current: 33.25% · Tier avg: 22.39%