BlastPoint's Banking Scorecard
St. Martin National Bank
Micro
Specialty: Agricultural
MN
FDIC cert 18937
Designations: ✓ Community bank
Saint Martin, MN
2498
banks in Micro tier nationally
179 in MN
View Micro leaderboard (MN) →
St. Martin National Bank demonstrates 3 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% below tier
- + Non-Interest Income / Assets 0.53% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$28.4M
+2.9% YoY
-1.7% QoQ
|
-$189.0M |
$217.5M
+2.3% YoY
|
$508.2M
+6.2% YoY
|
$5.9B
+6.5% YoY
|
Bottom 3% in tier |
| Total Loans ? |
$12.7M
-1.3% YoY
-4.1% QoQ
|
-$126.5M |
$139.2M
+2.8% YoY
|
$283.0M
+6.2% YoY
|
$3.1B
+8.5% YoY
|
Bottom 4% in tier |
| Total Deposits ? |
$24.3M
+0.7% YoY
-1.9% QoQ
|
-$159.4M |
$183.7M
+1.8% YoY
|
$438.4M
+5.3% YoY
|
$4.7B
+6.3% YoY
|
Bottom 4% in tier |
| Return on Assets ? |
1.65%
+16.0% YoY
-23.7% QoQ
|
+0.57% |
1.08%
+14.7% YoY
|
1.11%
+14.5% YoY
|
1.12%
+15.6% YoY
|
81% |
| Net Interest Margin ? |
3.60%
+17.3% YoY
+2.5% QoQ
|
-0.25% |
3.85%
+6.6% YoY
|
3.81%
+8.2% YoY
|
3.75%
+7.1% YoY
|
39% |
| Efficiency Ratio ? |
63.34%
-2.2% YoY
+21.6% QoQ
|
-4.38% |
67.73%
-4.8% YoY
|
65.34%
-5.0% YoY
|
65.09%
-5.1% YoY
|
57% |
| Delinquency Rate ? | 0.00% | -0.64% |
0.64%
+24.4% YoY
|
0.65%
+17.8% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
52.30%
-2.0% YoY
-2.3% QoQ
|
-22.22% |
74.53%
+0.5% YoY
|
76.97%
-0.8% YoY
|
78.04%
+0.7% YoY
|
85% |
| Non-Interest-Bearing Deposit Share ? |
27.85%
-4.2% YoY
-3.6% QoQ
|
+5.46% |
22.39%
-1.3% YoY
|
21.89%
-2.6% YoY
|
21.79%
-1.3% YoY
|
73% |
| Nonperforming Asset Ratio ? | 0.00% | -0.45% |
0.45%
+25.1% YoY
|
0.46%
+7.5% YoY
|
0.48%
+20.8% YoY
|
Top 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 ? |
1.09%
-0.9% YoY
+26.5% QoQ
|
+0.53% |
0.56%
+0.3% YoY
|
0.50%
+4.9% YoY
|
0.65%
+0.6% YoY
|
Top 7% in tier |
Signature Analysis
Strengths (3)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Non-Interest Income / Assets
metric
Top 7%
in Micro
Why this stands out
Current:
1.09%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (0)
No concerns identified
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
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
93
93th pctile
Non-Interest Income / Assets
Current: 1.09% · Tier avg: 0.56%
85
85th pctile
Loan-to-Deposit Ratio
Current: 52.30% · Tier avg: 74.53%
81
81th pctile
Return on Assets
Current: 1.65% · Tier avg: 1.08%
73
73th pctile
Non-Interest-Bearing Deposit Share
Current: 27.85% · Tier avg: 22.39%
57
57th pctile
Efficiency Ratio
Current: 63.34% · Tier avg: 67.73%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
39
39th pctile
Net Interest Margin
Current: 3.60% · Tier avg: 3.85%
4
4th pctile
Total Deposits
Current: $24.3M · Tier avg: $183.7M
4
4th pctile
Total Loans
Current: $12.7M · Tier avg: $139.2M
3
3th pctile
Total Assets
Current: $28.4M · Tier avg: $217.5M
Top Weaknesses
3
3th pctile
Total Assets
Current: $28.4M · Tier avg: $217.5M
4
4th pctile
Total Loans
Current: $12.7M · Tier avg: $139.2M
4
4th pctile
Total Deposits
Current: $24.3M · Tier avg: $183.7M
39
39th pctile
Net Interest Margin
Current: 3.60% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
57
57th pctile
Efficiency Ratio
Current: 63.34% · Tier avg: 67.73%
73
73th pctile
Non-Interest-Bearing Deposit Share
Current: 27.85% · Tier avg: 22.39%
81
81th pctile
Return on Assets
Current: 1.65% · Tier avg: 1.08%
85
85th pctile
Loan-to-Deposit Ratio
Current: 52.30% · Tier avg: 74.53%
93
93th pctile
Non-Interest Income / Assets
Current: 1.09% · Tier avg: 0.56%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%