BlastPoint's Banking Scorecard
Minnwest Bank
Community
Specialty: Agricultural
MN
FDIC cert 16958
Redwood Falls, MN
1484
banks in Community tier nationally
45 in MN
View Community leaderboard (MN) →
Minnwest Bank 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
- - Deposit Outflow: Bottom 45% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$3.0B
-4.7% YoY
+2.5% QoQ
|
+$1.6B |
$1.4B
+2.0% YoY
|
$508.2M
+6.2% YoY
|
$5.9B
+6.5% YoY
|
Top 9% in tier |
| Total Loans ? |
$2.2B
-6.3% YoY
+3.1% QoQ
|
+$1.2B |
$975.5M
+2.4% YoY
|
$283.0M
+6.2% YoY
|
$3.1B
+8.5% YoY
|
Top 9% in tier |
| Total Deposits ? |
$2.6B
-6.4% YoY
+2.6% QoQ
|
+$1.5B |
$1.2B
+1.7% YoY
|
$438.4M
+5.3% YoY
|
$4.7B
+6.3% YoY
|
Top 8% in tier |
| Return on Assets ? |
0.92%
+33.3% YoY
-0.7% QoQ
|
-0.24% |
1.16%
+17.2% YoY
|
1.11%
+14.5% YoY
|
1.12%
+15.6% YoY
|
32% |
| Net Interest Margin ? |
3.74%
+22.4% YoY
+3.2% QoQ
|
+0.08% |
3.66%
+9.1% YoY
|
3.81%
+8.2% YoY
|
3.75%
+7.1% YoY
|
56% |
| Efficiency Ratio ? |
62.00%
-10.5% YoY
+0.8% QoQ
|
-0.64% |
62.63%
-5.3% YoY
|
65.34%
-5.0% YoY
|
65.09%
-5.1% YoY
|
51% |
| Delinquency Rate ? |
0.62%
+327.1% YoY
-50.1% QoQ
|
0 |
0.63%
+18.3% YoY
|
0.65%
+17.8% YoY
|
0.66%
+20.3% YoY
|
39% |
| Loan-to-Deposit Ratio ? |
81.32%
+0.2% YoY
+0.5% QoQ
|
-1.74% |
83.06%
+0.3% YoY
|
76.97%
-0.8% YoY
|
78.04%
+0.7% YoY
|
60% |
| Non-Interest-Bearing Deposit Share ? |
22.35%
+8.9% YoY
+4.0% QoQ
|
+1.31% |
21.05%
-0.9% YoY
|
21.89%
-2.6% YoY
|
21.79%
-1.3% YoY
|
60% |
| Nonperforming Asset Ratio ? |
0.66%
+3.1% YoY
-25.2% QoQ
|
+0.17% |
0.50%
+20.3% YoY
|
0.46%
+7.5% YoY
|
0.48%
+20.8% YoY
|
31% |
| Tier 1 Capital Ratio ? |
12.30%
+15.2% YoY
-1.6% QoQ
|
+2.06% |
10.24%
-0.6% YoY
|
11.33%
-0.2% YoY
|
9.75%
-1.9% YoY
|
50% |
| Non-Interest Income / Assets ? |
0.52%
+14.5% YoY
+24.2% QoQ
|
-0.22% |
0.74%
-1.3% YoY
|
0.50%
+4.9% YoY
|
0.65%
+0.6% YoY
|
50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Deposit Outflow
decline
#113 of 248 · Bottom 45% in Community
Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
248 of 248 Community banks match
·
294 nationally
↑ Growing
+37 banks QoQ
|
QoQ rank declining
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
92
92th pctile
Total Deposits
Current: $2.6B · Tier avg: $1.2B
91
91th pctile
Total Assets
Current: $3.0B · Tier avg: $1.4B
91
91th pctile
Total Loans
Current: $2.2B · Tier avg: $975.5M
60
60th pctile
Non-Interest-Bearing Deposit Share
Current: 22.35% · Tier avg: 21.05%
60
60th pctile
Loan-to-Deposit Ratio
Current: 81.32% · Tier avg: 83.06%
56
56th pctile
Net Interest Margin
Current: 3.74% · Tier avg: 3.66%
51
51th pctile
Efficiency Ratio
Current: 62.00% · Tier avg: 62.63%
50
50th pctile
Non-Interest Income / Assets
Current: 0.52% · Tier avg: 0.74%
50
50th pctile
Tier 1 Capital Ratio
Current: 12.30% · Tier avg: 10.24%
39
39th pctile
Delinquency Rate
Current: 0.62% · Tier avg: 0.63%
32
32th pctile
Return on Assets
Current: 0.92% · Tier avg: 1.16%
31
31th pctile
Nonperforming Asset Ratio
Current: 0.66% · Tier avg: 0.50%
Top Weaknesses
31
31th pctile
Nonperforming Asset Ratio
Current: 0.66% · Tier avg: 0.50%
32
32th pctile
Return on Assets
Current: 0.92% · Tier avg: 1.16%
39
39th pctile
Delinquency Rate
Current: 0.62% · Tier avg: 0.63%
50
50th pctile
Tier 1 Capital Ratio
Current: 12.30% · Tier avg: 10.24%
50
50th pctile
Non-Interest Income / Assets
Current: 0.52% · Tier avg: 0.74%
51
51th pctile
Efficiency Ratio
Current: 62.00% · Tier avg: 62.63%
56
56th pctile
Net Interest Margin
Current: 3.74% · Tier avg: 3.66%
60
60th pctile
Loan-to-Deposit Ratio
Current: 81.32% · Tier avg: 83.06%
60
60th pctile
Non-Interest-Bearing Deposit Share
Current: 22.35% · Tier avg: 21.05%
91
91th pctile
Total Loans
Current: $2.2B · Tier avg: $975.5M
91
91th pctile
Total Assets
Current: $3.0B · Tier avg: $1.4B
92
92th pctile
Total Deposits
Current: $2.6B · Tier avg: $1.2B