BlastPoint's Banking Scorecard
MINNESOTA LAKES BANK
Micro
Specialty: Commercial
MN
FDIC cert 23986
Designations: ✓ Community bank
Delano, MN
2498
banks in Micro tier nationally
179 in MN
View Micro leaderboard (MN) →
MINNESOTA LAKES BANK demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.73% 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 ? |
$128.8M
-3.5% YoY
+1.2% QoQ
|
-$88.7M |
$217.5M
+2.3% YoY
|
$508.2M
+6.2% YoY
|
$5.9B
+6.5% YoY
|
31% |
| Total Loans ? |
$80.5M
-4.0% YoY
-0.0% QoQ
|
-$58.7M |
$139.2M
+2.8% YoY
|
$283.0M
+6.2% YoY
|
$3.1B
+8.5% YoY
|
34% |
| Total Deposits ? |
$112.4M
-4.4% YoY
+1.1% QoQ
|
-$71.2M |
$183.7M
+1.8% YoY
|
$438.4M
+5.3% YoY
|
$4.7B
+6.3% YoY
|
33% |
| Return on Assets ? |
0.89%
-45.9% YoY
+44.7% QoQ
|
-0.19% |
1.08%
+14.7% YoY
|
1.11%
+14.5% YoY
|
1.12%
+15.6% YoY
|
39% |
| Net Interest Margin ? |
5.58%
+7.4% YoY
+1.2% QoQ
|
+1.73% |
3.85%
+6.6% YoY
|
3.81%
+8.2% YoY
|
3.75%
+7.1% YoY
|
Top 4% in tier |
| Efficiency Ratio ? |
67.90%
+5.2% YoY
+0.2% QoQ
|
+0.18% |
67.73%
-4.8% YoY
|
65.34%
-5.0% YoY
|
65.09%
-5.1% YoY
|
45% |
| Delinquency Rate ? |
0.94%
-41.3% YoY
-62.0% QoQ
|
+0.30% |
0.64%
+24.4% YoY
|
0.65%
+17.8% YoY
|
0.66%
+20.3% YoY
|
30% |
| Loan-to-Deposit Ratio ? |
71.60%
+0.4% YoY
-1.1% QoQ
|
-2.93% |
74.53%
+0.5% YoY
|
76.97%
-0.8% YoY
|
78.04%
+0.7% YoY
|
59% |
| Non-Interest-Bearing Deposit Share ? |
30.94%
+4.7% YoY
-5.9% QoQ
|
+8.54% |
22.39%
-1.3% YoY
|
21.89%
-2.6% YoY
|
21.79%
-1.3% YoY
|
81% |
| Nonperforming Asset Ratio ? |
0.59%
-41.6% YoY
-62.5% QoQ
|
+0.14% |
0.45%
+25.1% YoY
|
0.46%
+7.5% YoY
|
0.48%
+20.8% YoY
|
33% |
| Tier 1 Capital Ratio ? |
15.50%
+6.3% YoY
+2.4% QoQ
|
+6.65% |
8.85%
-3.4% YoY
|
11.33%
-0.2% YoY
|
9.75%
-1.9% YoY
|
74% |
| Non-Interest Income / Assets ? |
0.86%
+12.5% YoY
+29.0% QoQ
|
+0.30% |
0.56%
+0.3% YoY
|
0.50%
+4.9% YoY
|
0.65%
+0.6% YoY
|
Top 11% in tier |
Signature Analysis
Strengths (1)
Net Interest Margin
metric
Top 4%
in Micro
Why this stands out
Current:
5.58%
(Tier avg: 3.85%, National avg: 3.75%)
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
96
96th pctile
Net Interest Margin
Current: 5.58% · Tier avg: 3.85%
89
89th pctile
Non-Interest Income / Assets
Current: 0.86% · Tier avg: 0.56%
81
81th pctile
Non-Interest-Bearing Deposit Share
Current: 30.94% · Tier avg: 22.39%
74
74th pctile
Tier 1 Capital Ratio
Current: 15.50% · Tier avg: 8.85%
59
59th pctile
Loan-to-Deposit Ratio
Current: 71.60% · Tier avg: 74.53%
45
45th pctile
Efficiency Ratio
Current: 67.90% · Tier avg: 67.73%
39
39th pctile
Return on Assets
Current: 0.89% · Tier avg: 1.08%
34
34th pctile
Total Loans
Current: $80.5M · Tier avg: $139.2M
33
33th pctile
Nonperforming Asset Ratio
Current: 0.59% · Tier avg: 0.45%
33
33th pctile
Total Deposits
Current: $112.4M · Tier avg: $183.7M
31
31th pctile
Total Assets
Current: $128.8M · Tier avg: $217.5M
30
30th pctile
Delinquency Rate
Current: 0.94% · Tier avg: 0.64%
Top Weaknesses
30
30th pctile
Delinquency Rate
Current: 0.94% · Tier avg: 0.64%
31
31th pctile
Total Assets
Current: $128.8M · Tier avg: $217.5M
33
33th pctile
Total Deposits
Current: $112.4M · Tier avg: $183.7M
33
33th pctile
Nonperforming Asset Ratio
Current: 0.59% · Tier avg: 0.45%
34
34th pctile
Total Loans
Current: $80.5M · Tier avg: $139.2M
39
39th pctile
Return on Assets
Current: 0.89% · Tier avg: 1.08%
45
45th pctile
Efficiency Ratio
Current: 67.90% · Tier avg: 67.73%
59
59th pctile
Loan-to-Deposit Ratio
Current: 71.60% · Tier avg: 74.53%
74
74th pctile
Tier 1 Capital Ratio
Current: 15.50% · Tier avg: 8.85%
81
81th pctile
Non-Interest-Bearing Deposit Share
Current: 30.94% · Tier avg: 22.39%
89
89th pctile
Non-Interest Income / Assets
Current: 0.86% · Tier avg: 0.56%
96
96th pctile
Net Interest Margin
Current: 5.58% · Tier avg: 3.85%