BlastPoint's Banking Scorecard
Profinium, Inc.
Community
Specialty: Agricultural
MN
FDIC cert 1905
Truman, MN
1484
banks in Community tier nationally
45 in MN
View Community leaderboard (MN) →
Profinium, Inc. 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
- - Capital Constraint: Bottom 26% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$522.6M
-2.1% YoY
+1.1% QoQ
|
-$868.9M |
$1.4B
+2.0% YoY
|
$508.2M
+6.2% YoY
|
$5.9B
+6.5% YoY
|
Bottom 4% in tier |
| Total Loans ? |
$390.6M
-4.3% YoY
-1.2% QoQ
|
-$584.9M |
$975.5M
+2.4% YoY
|
$283.0M
+6.2% YoY
|
$3.1B
+8.5% YoY
|
Bottom 13% in tier |
| Total Deposits ? |
$446.0M
-3.1% YoY
+2.0% QoQ
|
-$718.6M |
$1.2B
+1.7% YoY
|
$438.4M
+5.3% YoY
|
$4.7B
+6.3% YoY
|
Bottom 4% in tier |
| Return on Assets ? |
0.76%
+499.2% YoY
+8.0% QoQ
|
-0.41% |
1.16%
+17.2% YoY
|
1.11%
+14.5% YoY
|
1.12%
+15.6% YoY
|
22% |
| Net Interest Margin ? |
3.24%
+16.7% YoY
+1.3% QoQ
|
-0.43% |
3.66%
+9.1% YoY
|
3.81%
+8.2% YoY
|
3.75%
+7.1% YoY
|
27% |
| Efficiency Ratio ? |
72.49%
-21.3% YoY
+0.2% QoQ
|
+9.86% |
62.63%
-5.3% YoY
|
65.34%
-5.0% YoY
|
65.09%
-5.1% YoY
|
22% |
| Delinquency Rate ? |
0.19%
-11.4% YoY
-25.2% QoQ
|
-0.44% |
0.63%
+18.3% YoY
|
0.65%
+17.8% YoY
|
0.66%
+20.3% YoY
|
72% |
| Loan-to-Deposit Ratio ? |
87.58%
-1.2% YoY
-3.1% QoQ
|
+4.52% |
83.06%
+0.3% YoY
|
76.97%
-0.8% YoY
|
78.04%
+0.7% YoY
|
42% |
| Non-Interest-Bearing Deposit Share ? |
19.89%
+7.6% YoY
+9.0% QoQ
|
-1.16% |
21.05%
-0.9% YoY
|
21.89%
-2.6% YoY
|
21.79%
-1.3% YoY
|
49% |
| Nonperforming Asset Ratio ? |
0.14%
-13.4% YoY
-27.0% QoQ
|
-0.36% |
0.50%
+20.3% YoY
|
0.46%
+7.5% YoY
|
0.48%
+20.8% YoY
|
72% |
| Tier 1 Capital Ratio ? |
12.57%
+12.9% YoY
+1.7% QoQ
|
+2.33% |
10.24%
-0.6% YoY
|
11.33%
-0.2% YoY
|
9.75%
-1.9% YoY
|
53% |
| Non-Interest Income / Assets ? |
0.53%
+40.9% YoY
+29.2% QoQ
|
-0.21% |
0.74%
-1.3% YoY
|
0.50%
+4.9% YoY
|
0.65%
+0.6% YoY
|
51% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Capital Constraint
risk
#13 of 47 · Bottom 26% in Community
Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.
Why this signature
Loan-to-Deposit Ratio:
87.58%
(Tier: 83.06%, National: 78.04%)
Tier 1 Risk-Based Capital Ratio:
12.57%
(Tier: 10.24%, National: 9.75%)
47 of 47 Community banks match
·
57 nationally
→ Stable
-1 banks QoQ
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
72
72th pctile
Nonperforming Asset Ratio
Current: 0.14% · Tier avg: 0.50%
72
72th pctile
Delinquency Rate
Current: 0.19% · Tier avg: 0.63%
53
53th pctile
Tier 1 Capital Ratio
Current: 12.57% · Tier avg: 10.24%
51
51th pctile
Non-Interest Income / Assets
Current: 0.53% · Tier avg: 0.74%
49
49th pctile
Non-Interest-Bearing Deposit Share
Current: 19.89% · Tier avg: 21.05%
42
42th pctile
Loan-to-Deposit Ratio
Current: 87.58% · Tier avg: 83.06%
27
27th pctile
Net Interest Margin
Current: 3.24% · Tier avg: 3.66%
22
22th pctile
Return on Assets
Current: 0.76% · Tier avg: 1.16%
22
22th pctile
Efficiency Ratio
Current: 72.49% · Tier avg: 62.63%
13
13th pctile
Total Loans
Current: $390.6M · Tier avg: $975.5M
4
4th pctile
Total Deposits
Current: $446.0M · Tier avg: $1.2B
4
4th pctile
Total Assets
Current: $522.6M · Tier avg: $1.4B
Top Weaknesses
4
4th pctile
Total Assets
Current: $522.6M · Tier avg: $1.4B
4
4th pctile
Total Deposits
Current: $446.0M · Tier avg: $1.2B
13
13th pctile
Total Loans
Current: $390.6M · Tier avg: $975.5M
22
22th pctile
Efficiency Ratio
Current: 72.49% · Tier avg: 62.63%
22
22th pctile
Return on Assets
Current: 0.76% · Tier avg: 1.16%
27
27th pctile
Net Interest Margin
Current: 3.24% · Tier avg: 3.66%
42
42th pctile
Loan-to-Deposit Ratio
Current: 87.58% · Tier avg: 83.06%
49
49th pctile
Non-Interest-Bearing Deposit Share
Current: 19.89% · Tier avg: 21.05%
51
51th pctile
Non-Interest Income / Assets
Current: 0.53% · Tier avg: 0.74%
53
53th pctile
Tier 1 Capital Ratio
Current: 12.57% · Tier avg: 10.24%
72
72th pctile
Delinquency Rate
Current: 0.19% · Tier avg: 0.63%
72
72th pctile
Nonperforming Asset Ratio
Current: 0.14% · Tier avg: 0.50%