BlastPoint's Banking Scorecard
State Bank of Bellingham
Micro
Specialty: Agricultural
MN
FDIC cert 17062
Designations: ✓ Community bank
Bellingham, MN
2498
banks in Micro tier nationally
179 in MN
View Micro leaderboard (MN) →
State Bank of Bellingham 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
- - Return on Assets 0.89% below tier
- - Net Interest Margin 1.82% below tier
- - Efficiency Ratio 21.98% above tier
- - Non-Interest Income / Assets 0.56% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$49.6M
-2.3% YoY
+2.6% QoQ
|
-$167.9M |
$217.5M
+2.3% YoY
|
$508.2M
+6.2% YoY
|
$5.9B
+6.5% YoY
|
Bottom 7% in tier |
| Total Loans ? |
$24.6M
-9.9% YoY
-1.8% QoQ
|
-$114.5M |
$139.2M
+2.8% YoY
|
$283.0M
+6.2% YoY
|
$3.1B
+8.5% YoY
|
Bottom 8% in tier |
| Total Deposits ? |
$40.8M
-2.7% YoY
+2.6% QoQ
|
-$142.9M |
$183.7M
+1.8% YoY
|
$438.4M
+5.3% YoY
|
$4.7B
+6.3% YoY
|
Bottom 7% in tier |
| Return on Assets ? |
0.19%
-66.3% YoY
-0.4% QoQ
|
-0.89% |
1.08%
+14.7% YoY
|
1.11%
+14.5% YoY
|
1.12%
+15.6% YoY
|
Bottom 10% in tier |
| Net Interest Margin ? |
2.03%
-10.8% YoY
+1.0% QoQ
|
-1.82% |
3.85%
+6.6% YoY
|
3.81%
+8.2% YoY
|
3.75%
+7.1% YoY
|
Bottom 2% in tier |
| Efficiency Ratio ? |
89.70%
+20.5% YoY
+0.3% QoQ
|
+21.98% |
67.73%
-4.8% YoY
|
65.34%
-5.0% YoY
|
65.09%
-5.1% YoY
|
Bottom 9% in tier |
| Delinquency Rate ? |
0.05%
-36.6% YoY
-6.0% QoQ
|
-0.59% |
0.64%
+24.4% YoY
|
0.65%
+17.8% YoY
|
0.66%
+20.3% YoY
|
75% |
| Loan-to-Deposit Ratio ? |
60.43%
-7.4% YoY
-4.3% QoQ
|
-14.10% |
74.53%
+0.5% YoY
|
76.97%
-0.8% YoY
|
78.04%
+0.7% YoY
|
75% |
| Non-Interest-Bearing Deposit Share ? |
12.35%
-60.9% YoY
+29.6% QoQ
|
-10.04% |
22.39%
-1.3% YoY
|
21.89%
-2.6% YoY
|
21.79%
-1.3% YoY
|
16% |
| Nonperforming Asset Ratio ? |
0.02%
-41.5% YoY
-10.0% QoQ
|
-0.43% |
0.45%
+25.1% YoY
|
0.46%
+7.5% YoY
|
0.48%
+20.8% YoY
|
78% |
| Tier 1 Capital Ratio ? |
21.81%
+0.3% YoY
-5.7% QoQ
|
+12.95% |
8.85%
-3.4% YoY
|
11.33%
-0.2% YoY
|
9.75%
-1.9% YoY
|
Top 11% in tier |
| Non-Interest Income / Assets ? |
0.00%
-100.0% YoY
+100.0% QoQ
|
-0.56% |
0.56%
+0.3% YoY
|
0.50%
+4.9% YoY
|
0.65%
+0.6% YoY
|
Bottom 1% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (4)
Return on Assets
metric
Bottom 10%
in Micro
Why this stands out
Current:
0.19%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 2%
in Micro
Why this stands out
Current:
2.03%
(Tier avg: 3.85%, National avg: 3.75%)
Efficiency Ratio
metric
Bottom 9%
in Micro
Why this stands out
Current:
89.70%
(Tier avg: 67.73%, National avg: 65.09%)
Non-Interest Income / Assets
metric
Bottom 1%
in Micro
Why this stands out
Current:
0.00%
(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
89
89th pctile
Tier 1 Capital Ratio
Current: 21.81% · Tier avg: 8.85%
78
78th pctile
Nonperforming Asset Ratio
Current: 0.02% · Tier avg: 0.45%
75
75th pctile
Delinquency Rate
Current: 0.05% · Tier avg: 0.64%
75
75th pctile
Loan-to-Deposit Ratio
Current: 60.43% · Tier avg: 74.53%
16
16th pctile
Non-Interest-Bearing Deposit Share
Current: 12.35% · Tier avg: 22.39%
10
10th pctile
Return on Assets
Current: 0.19% · Tier avg: 1.08%
9
9th pctile
Efficiency Ratio
Current: 89.70% · Tier avg: 67.73%
8
8th pctile
Total Loans
Current: $24.6M · Tier avg: $139.2M
7
7th pctile
Total Deposits
Current: $40.8M · Tier avg: $183.7M
7
7th pctile
Total Assets
Current: $49.6M · Tier avg: $217.5M
2
2th pctile
Net Interest Margin
Current: 2.03% · Tier avg: 3.85%
0
0th pctile
Non-Interest Income / Assets
Current: 0.00% · Tier avg: 0.56%
Top Weaknesses
0
0th pctile
Non-Interest Income / Assets
Current: 0.00% · Tier avg: 0.56%
2
2th pctile
Net Interest Margin
Current: 2.03% · Tier avg: 3.85%
7
7th pctile
Total Assets
Current: $49.6M · Tier avg: $217.5M
7
7th pctile
Total Deposits
Current: $40.8M · Tier avg: $183.7M
8
8th pctile
Total Loans
Current: $24.6M · Tier avg: $139.2M
9
9th pctile
Efficiency Ratio
Current: 89.70% · Tier avg: 67.73%
10
10th pctile
Return on Assets
Current: 0.19% · Tier avg: 1.08%
16
16th pctile
Non-Interest-Bearing Deposit Share
Current: 12.35% · Tier avg: 22.39%
75
75th pctile
Loan-to-Deposit Ratio
Current: 60.43% · Tier avg: 74.53%
75
75th pctile
Delinquency Rate
Current: 0.05% · Tier avg: 0.64%
78
78th pctile
Nonperforming Asset Ratio
Current: 0.02% · Tier avg: 0.45%
89
89th pctile
Tier 1 Capital Ratio
Current: 21.81% · Tier avg: 8.85%