BlastPoint's Banking Scorecard
Red River State Bank
Micro
Specialty: Agricultural
MN
FDIC cert 15820
Designations: ✓ Community bank
Halstad, MN
2498
banks in Micro tier nationally
179 in MN
View Micro leaderboard (MN) →
Red River State Bank faces 4 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 11.61% above tier
- - Loan-to-Deposit Ratio 25.98% above tier
- - Nonperforming Asset Ratio 10.11% above tier
- - Non-Interest Income / Assets 0.47% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$120.4M
-3.0% YoY
+3.2% QoQ
|
-$97.1M |
$217.5M
+2.3% YoY
|
$508.2M
+6.2% YoY
|
$5.9B
+6.5% YoY
|
29% |
| Total Loans ? |
$103.7M
-3.2% YoY
-0.2% QoQ
|
-$35.5M |
$139.2M
+2.8% YoY
|
$283.0M
+6.2% YoY
|
$3.1B
+8.5% YoY
|
44% |
| Total Deposits ? |
$103.2M
-3.8% YoY
+4.4% QoQ
|
-$80.5M |
$183.7M
+1.8% YoY
|
$438.4M
+5.3% YoY
|
$4.7B
+6.3% YoY
|
29% |
| Return on Assets ? |
0.56%
-35.6% YoY
-54.1% QoQ
|
-0.53% |
1.08%
+14.7% YoY
|
1.11%
+14.5% YoY
|
1.12%
+15.6% YoY
|
21% |
| Net Interest Margin ? |
4.19%
+0.4% YoY
+1.2% QoQ
|
+0.33% |
3.85%
+6.6% YoY
|
3.81%
+8.2% YoY
|
3.75%
+7.1% YoY
|
67% |
| Efficiency Ratio ? |
66.11%
+18.5% YoY
+12.4% QoQ
|
-1.61% |
67.73%
-4.8% YoY
|
65.34%
-5.0% YoY
|
65.09%
-5.1% YoY
|
50% |
| Delinquency Rate ? |
12.25%
+53.3% YoY
-3.4% QoQ
|
+11.61% |
0.64%
+24.4% YoY
|
0.65%
+17.8% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
100.50%
+0.6% YoY
-4.5% QoQ
|
+25.98% |
74.53%
+0.5% YoY
|
76.97%
-0.8% YoY
|
78.04%
+0.7% YoY
|
Bottom 9% in tier |
| Non-Interest-Bearing Deposit Share ? |
30.16%
+15.6% YoY
+12.9% QoQ
|
+7.77% |
22.39%
-1.3% YoY
|
21.89%
-2.6% YoY
|
21.79%
-1.3% YoY
|
80% |
| Nonperforming Asset Ratio ? |
10.56%
+53.0% YoY
-6.6% QoQ
|
+10.11% |
0.45%
+25.1% YoY
|
0.46%
+7.5% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
11.33%
-0.2% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.10%
+14.0% YoY
+26.6% QoQ
|
-0.47% |
0.56%
+0.3% YoY
|
0.50%
+4.9% YoY
|
0.65%
+0.6% YoY
|
Bottom 7% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (4)
Delinquency Rate
metric
Bottom 1%
in Micro
Why this stands out
Current:
12.25%
(Tier avg: 0.64%, National avg: 0.66%)
Loan-to-Deposit Ratio
metric
Bottom 9%
in Micro
Why this stands out
Current:
100.50%
(Tier avg: 74.53%, National avg: 78.04%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
10.56%
(Tier avg: 0.45%, National avg: 0.48%)
Non-Interest Income / Assets
metric
Bottom 7%
in Micro
Why this stands out
Current:
0.10%
(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
80
80th pctile
Non-Interest-Bearing Deposit Share
Current: 30.16% · Tier avg: 22.39%
67
67th pctile
Net Interest Margin
Current: 4.19% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
50
50th pctile
Efficiency Ratio
Current: 66.11% · Tier avg: 67.73%
44
44th pctile
Total Loans
Current: $103.7M · Tier avg: $139.2M
29
29th pctile
Total Deposits
Current: $103.2M · Tier avg: $183.7M
29
29th pctile
Total Assets
Current: $120.4M · Tier avg: $217.5M
21
21th pctile
Return on Assets
Current: 0.56% · Tier avg: 1.08%
9
9th pctile
Loan-to-Deposit Ratio
Current: 100.50% · Tier avg: 74.53%
7
7th pctile
Non-Interest Income / Assets
Current: 0.10% · Tier avg: 0.56%
0
0th pctile
Delinquency Rate
Current: 12.25% · Tier avg: 0.64%
0
0th pctile
Nonperforming Asset Ratio
Current: 10.56% · Tier avg: 0.45%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 10.56% · Tier avg: 0.45%
0
0th pctile
Delinquency Rate
Current: 12.25% · Tier avg: 0.64%
7
7th pctile
Non-Interest Income / Assets
Current: 0.10% · Tier avg: 0.56%
9
9th pctile
Loan-to-Deposit Ratio
Current: 100.50% · Tier avg: 74.53%
21
21th pctile
Return on Assets
Current: 0.56% · Tier avg: 1.08%
29
29th pctile
Total Assets
Current: $120.4M · Tier avg: $217.5M
29
29th pctile
Total Deposits
Current: $103.2M · Tier avg: $183.7M
44
44th pctile
Total Loans
Current: $103.7M · Tier avg: $139.2M
50
50th pctile
Efficiency Ratio
Current: 66.11% · Tier avg: 67.73%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
67
67th pctile
Net Interest Margin
Current: 4.19% · Tier avg: 3.85%
80
80th pctile
Non-Interest-Bearing Deposit Share
Current: 30.16% · Tier avg: 22.39%