BlastPoint's Banking Scorecard
Triumph State Bank
Micro
Specialty: Agricultural
MN
FDIC cert 1906
Designations: ✓ Community bank
Trimont, MN
2498
banks in Micro tier nationally
179 in MN
View Micro leaderboard (MN) →
Triumph State Bank has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.30% above tier
Key Concerns
Areas that may need attention
- - Delinquency Rate 4.05% above tier
- - Nonperforming Asset Ratio 2.77% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$92.2M
+1.4% YoY
+6.2% QoQ
|
-$125.3M |
$217.5M
+2.3% YoY
|
$508.2M
+6.2% YoY
|
$5.9B
+6.5% YoY
|
20% |
| Total Loans ? |
$63.2M
+1.2% YoY
+13.4% QoQ
|
-$75.9M |
$139.2M
+2.8% YoY
|
$283.0M
+6.2% YoY
|
$3.1B
+8.5% YoY
|
26% |
| Total Deposits ? |
$79.4M
+0.6% YoY
+6.5% QoQ
|
-$104.2M |
$183.7M
+1.8% YoY
|
$438.4M
+5.3% YoY
|
$4.7B
+6.3% YoY
|
21% |
| Return on Assets ? |
1.06%
-33.5% YoY
+39.0% QoQ
|
-0.02% |
1.08%
+14.7% YoY
|
1.11%
+14.5% YoY
|
1.12%
+15.6% YoY
|
50% |
| Net Interest Margin ? |
5.15%
-4.7% YoY
+0.7% QoQ
|
+1.30% |
3.85%
+6.6% YoY
|
3.81%
+8.2% YoY
|
3.75%
+7.1% YoY
|
Top 7% in tier |
| Efficiency Ratio ? |
56.26%
+7.0% YoY
-3.8% QoQ
|
-11.46% |
67.73%
-4.8% YoY
|
65.34%
-5.0% YoY
|
65.09%
-5.1% YoY
|
78% |
| Delinquency Rate ? |
4.69%
+764.3% YoY
-41.1% QoQ
|
+4.05% |
0.64%
+24.4% YoY
|
0.65%
+17.8% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
79.61%
+0.6% YoY
+6.5% QoQ
|
+5.08% |
74.53%
+0.5% YoY
|
76.97%
-0.8% YoY
|
78.04%
+0.7% YoY
|
57% |
| Non-Interest-Bearing Deposit Share ? |
30.79%
-4.7% YoY
-24.5% QoQ
|
+8.40% |
22.39%
-1.3% YoY
|
21.89%
-2.6% YoY
|
21.79%
-1.3% YoY
|
81% |
| Nonperforming Asset Ratio ? |
3.22%
+762.9% YoY
-37.7% QoQ
|
+2.77% |
0.45%
+25.1% YoY
|
0.46%
+7.5% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? |
16.44%
+2.1% YoY
-3.7% QoQ
|
+7.59% |
8.85%
-3.4% YoY
|
11.33%
-0.2% YoY
|
9.75%
-1.9% YoY
|
77% |
| Non-Interest Income / Assets ? |
0.27%
+4.1% YoY
+25.1% QoQ
|
-0.29% |
0.56%
+0.3% YoY
|
0.50%
+4.9% YoY
|
0.65%
+0.6% YoY
|
35% |
Signature Analysis
Strengths (1)
Net Interest Margin
metric
Top 7%
in Micro
Why this stands out
Current:
5.15%
(Tier avg: 3.85%, National avg: 3.75%)
Concerns (2)
Delinquency Rate
metric
Bottom 1%
in Micro
Why this stands out
Current:
4.69%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
3.22%
(Tier avg: 0.45%, National avg: 0.48%)
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
93
93th pctile
Net Interest Margin
Current: 5.15% · Tier avg: 3.85%
81
81th pctile
Non-Interest-Bearing Deposit Share
Current: 30.79% · Tier avg: 22.39%
78
78th pctile
Efficiency Ratio
Current: 56.26% · Tier avg: 67.73%
77
77th pctile
Tier 1 Capital Ratio
Current: 16.44% · Tier avg: 8.85%
57
57th pctile
Loan-to-Deposit Ratio
Current: 79.61% · Tier avg: 74.53%
50
50th pctile
Return on Assets
Current: 1.06% · Tier avg: 1.08%
35
35th pctile
Non-Interest Income / Assets
Current: 0.27% · Tier avg: 0.56%
26
26th pctile
Total Loans
Current: $63.2M · Tier avg: $139.2M
21
21th pctile
Total Deposits
Current: $79.4M · Tier avg: $183.7M
20
20th pctile
Total Assets
Current: $92.2M · Tier avg: $217.5M
0
0th pctile
Delinquency Rate
Current: 4.69% · Tier avg: 0.64%
0
0th pctile
Nonperforming Asset Ratio
Current: 3.22% · Tier avg: 0.45%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 3.22% · Tier avg: 0.45%
0
0th pctile
Delinquency Rate
Current: 4.69% · Tier avg: 0.64%
20
20th pctile
Total Assets
Current: $92.2M · Tier avg: $217.5M
21
21th pctile
Total Deposits
Current: $79.4M · Tier avg: $183.7M
26
26th pctile
Total Loans
Current: $63.2M · Tier avg: $139.2M
35
35th pctile
Non-Interest Income / Assets
Current: 0.27% · Tier avg: 0.56%
50
50th pctile
Return on Assets
Current: 1.06% · Tier avg: 1.08%
57
57th pctile
Loan-to-Deposit Ratio
Current: 79.61% · Tier avg: 74.53%
77
77th pctile
Tier 1 Capital Ratio
Current: 16.44% · Tier avg: 8.85%
78
78th pctile
Efficiency Ratio
Current: 56.26% · Tier avg: 67.73%
81
81th pctile
Non-Interest-Bearing Deposit Share
Current: 30.79% · Tier avg: 22.39%
93
93th pctile
Net Interest Margin
Current: 5.15% · Tier avg: 3.85%