BlastPoint's Banking Scorecard
Northeast Bank
Community
Specialty: Commercial
MN
FDIC cert 16659
Minneapolis, MN
1484
banks in Community tier nationally
45 in MN
View Community leaderboard (MN) →
Northeast Bank faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 36% in Community
- - Non-Interest Income / Assets 0.57% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$828.9M
+6.4% YoY
+0.6% QoQ
|
-$562.6M |
$1.4B
+2.0% YoY
|
$508.2M
+6.2% YoY
|
$5.9B
+6.5% YoY
|
37% |
| Total Loans ? |
$604.4M
+9.8% YoY
+1.8% QoQ
|
-$371.1M |
$975.5M
+2.4% YoY
|
$283.0M
+6.2% YoY
|
$3.1B
+8.5% YoY
|
41% |
| Total Deposits ? |
$716.1M
+12.9% YoY
-3.4% QoQ
|
-$448.5M |
$1.2B
+1.7% YoY
|
$438.4M
+5.3% YoY
|
$4.7B
+6.3% YoY
|
40% |
| Return on Assets ? |
1.12%
-8.2% YoY
-11.5% QoQ
|
-0.04% |
1.16%
+17.2% YoY
|
1.11%
+14.5% YoY
|
1.12%
+15.6% YoY
|
50% |
| Net Interest Margin ? |
3.88%
+9.2% YoY
+1.0% QoQ
|
+0.22% |
3.66%
+9.1% YoY
|
3.81%
+8.2% YoY
|
3.75%
+7.1% YoY
|
64% |
| Efficiency Ratio ? |
62.17%
-7.5% YoY
+0.4% QoQ
|
-0.46% |
62.63%
-5.3% YoY
|
65.34%
-5.0% YoY
|
65.09%
-5.1% YoY
|
50% |
| Delinquency Rate ? |
0.29%
+594.2% YoY
-60.4% QoQ
|
-0.34% |
0.63%
+18.3% YoY
|
0.65%
+17.8% YoY
|
0.66%
+20.3% YoY
|
62% |
| Loan-to-Deposit Ratio ? |
84.40%
-2.7% YoY
+5.3% QoQ
|
+1.33% |
83.06%
+0.3% YoY
|
76.97%
-0.8% YoY
|
78.04%
+0.7% YoY
|
51% |
| Non-Interest-Bearing Deposit Share ? |
24.94%
-6.6% YoY
+1.2% QoQ
|
+3.89% |
21.05%
-0.9% YoY
|
21.89%
-2.6% YoY
|
21.79%
-1.3% YoY
|
69% |
| Nonperforming Asset Ratio ? |
0.21%
+616.3% YoY
-60.0% QoQ
|
-0.29% |
0.50%
+20.3% YoY
|
0.46%
+7.5% YoY
|
0.48%
+20.8% YoY
|
64% |
| Tier 1 Capital Ratio ? |
11.90%
-7.1% YoY
+0.2% QoQ
|
+1.66% |
10.24%
-0.6% YoY
|
11.33%
-0.2% YoY
|
9.75%
-1.9% YoY
|
46% |
| Non-Interest Income / Assets ? |
0.17%
-4.3% YoY
+31.5% QoQ
|
-0.57% |
0.74%
-1.3% YoY
|
0.50%
+4.9% YoY
|
0.65%
+0.6% YoY
|
Bottom 8% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Margin Compression
decline
#44 of 120 · Bottom 36% in Community
Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Why this signature
Return on Assets:
1.12%
(Tier: 1.16%, National: 1.12%)
120 of 120 Community banks match
·
147 nationally
→ Stable
-9 banks QoQ
Non-Interest Income / Assets
metric
Bottom 8%
in Community
Why this stands out
Current:
0.17%
(Tier avg: 0.74%, 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
69
69th pctile
Non-Interest-Bearing Deposit Share
Current: 24.94% · Tier avg: 21.05%
64
64th pctile
Net Interest Margin
Current: 3.88% · Tier avg: 3.66%
64
64th pctile
Nonperforming Asset Ratio
Current: 0.21% · Tier avg: 0.50%
62
62th pctile
Delinquency Rate
Current: 0.29% · Tier avg: 0.63%
51
51th pctile
Loan-to-Deposit Ratio
Current: 84.40% · Tier avg: 83.06%
50
50th pctile
Efficiency Ratio
Current: 62.17% · Tier avg: 62.63%
50
50th pctile
Return on Assets
Current: 1.12% · Tier avg: 1.16%
46
46th pctile
Tier 1 Capital Ratio
Current: 11.90% · Tier avg: 10.24%
41
41th pctile
Total Loans
Current: $604.4M · Tier avg: $975.5M
40
40th pctile
Total Deposits
Current: $716.1M · Tier avg: $1.2B
37
37th pctile
Total Assets
Current: $828.9M · Tier avg: $1.4B
8
8th pctile
Non-Interest Income / Assets
Current: 0.17% · Tier avg: 0.74%
Top Weaknesses
8
8th pctile
Non-Interest Income / Assets
Current: 0.17% · Tier avg: 0.74%
37
37th pctile
Total Assets
Current: $828.9M · Tier avg: $1.4B
40
40th pctile
Total Deposits
Current: $716.1M · Tier avg: $1.2B
41
41th pctile
Total Loans
Current: $604.4M · Tier avg: $975.5M
46
46th pctile
Tier 1 Capital Ratio
Current: 11.90% · Tier avg: 10.24%
50
50th pctile
Return on Assets
Current: 1.12% · Tier avg: 1.16%
50
50th pctile
Efficiency Ratio
Current: 62.17% · Tier avg: 62.63%
51
51th pctile
Loan-to-Deposit Ratio
Current: 84.40% · Tier avg: 83.06%
62
62th pctile
Delinquency Rate
Current: 0.29% · Tier avg: 0.63%
64
64th pctile
Nonperforming Asset Ratio
Current: 0.21% · Tier avg: 0.50%
64
64th pctile
Net Interest Margin
Current: 3.88% · Tier avg: 3.66%
69
69th pctile
Non-Interest-Bearing Deposit Share
Current: 24.94% · Tier avg: 21.05%