BlastPoint's Banking Scorecard
American National Bank of Minnesota
Micro
Specialty: Commercial
MN
FDIC cert 26499
Designations: ✓ Community bank
Baxter, MN
2498
banks in Micro tier nationally
179 in MN
View Micro leaderboard (MN) →
American National Bank of Minnesota 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
- - Loan-to-Deposit Ratio 41.80% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$474.8M
-0.5% YoY
-1.2% QoQ
|
+$257.3M |
$217.5M
+2.3% YoY
|
$508.2M
+6.2% YoY
|
$5.9B
+6.5% YoY
|
Top 3% in tier |
| Total Loans ? |
$399.0M
-4.2% YoY
-2.2% QoQ
|
+$259.8M |
$139.2M
+2.8% YoY
|
$283.0M
+6.2% YoY
|
$3.1B
+8.5% YoY
|
Top 1% in tier |
| Total Deposits ? |
$343.0M
-3.4% YoY
-0.7% QoQ
|
+$159.3M |
$183.7M
+1.8% YoY
|
$438.4M
+5.3% YoY
|
$4.7B
+6.3% YoY
|
Top 11% in tier |
| Return on Assets ? |
1.10%
+8.8% YoY
+0.2% QoQ
|
+0.02% |
1.08%
+14.7% YoY
|
1.11%
+14.5% YoY
|
1.12%
+15.6% YoY
|
53% |
| Net Interest Margin ? |
4.15%
+5.9% YoY
+1.3% QoQ
|
+0.30% |
3.85%
+6.6% YoY
|
3.81%
+8.2% YoY
|
3.75%
+7.1% YoY
|
66% |
| Efficiency Ratio ? |
69.91%
+1.7% YoY
+2.3% QoQ
|
+2.18% |
67.73%
-4.8% YoY
|
65.34%
-5.0% YoY
|
65.09%
-5.1% YoY
|
40% |
| Delinquency Rate ? |
1.22%
+67.1% YoY
+18.2% QoQ
|
+0.58% |
0.64%
+24.4% YoY
|
0.65%
+17.8% YoY
|
0.66%
+20.3% YoY
|
24% |
| Loan-to-Deposit Ratio ? |
116.33%
-0.9% YoY
-1.5% QoQ
|
+41.80% |
74.53%
+0.5% YoY
|
76.97%
-0.8% YoY
|
78.04%
+0.7% YoY
|
Bottom 2% in tier |
| Non-Interest-Bearing Deposit Share ? |
11.03%
+9.0% YoY
-3.9% QoQ
|
-11.36% |
22.39%
-1.3% YoY
|
21.89%
-2.6% YoY
|
21.79%
-1.3% YoY
|
Bottom 14% in tier |
| Nonperforming Asset Ratio ? |
1.03%
+45.0% YoY
+15.2% QoQ
|
+0.58% |
0.45%
+25.1% YoY
|
0.46%
+7.5% YoY
|
0.48%
+20.8% YoY
|
19% |
| Tier 1 Capital Ratio ? |
12.77%
+9.0% YoY
+3.6% QoQ
|
+3.92% |
8.85%
-3.4% YoY
|
11.33%
-0.2% YoY
|
9.75%
-1.9% YoY
|
62% |
| Non-Interest Income / Assets ? |
0.25%
+26.7% YoY
+27.1% QoQ
|
-0.31% |
0.56%
+0.3% YoY
|
0.50%
+4.9% YoY
|
0.65%
+0.6% YoY
|
32% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Loan-to-Deposit Ratio
metric
Bottom 2%
in Micro
Why this stands out
Current:
116.33%
(Tier avg: 74.53%, National avg: 78.04%)
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
99
99th pctile
Total Loans
Current: $399.0M · Tier avg: $139.2M
97
97th pctile
Total Assets
Current: $474.8M · Tier avg: $217.5M
89
89th pctile
Total Deposits
Current: $343.0M · Tier avg: $183.7M
66
66th pctile
Net Interest Margin
Current: 4.15% · Tier avg: 3.85%
62
62th pctile
Tier 1 Capital Ratio
Current: 12.77% · Tier avg: 8.85%
53
53th pctile
Return on Assets
Current: 1.10% · Tier avg: 1.08%
40
40th pctile
Efficiency Ratio
Current: 69.91% · Tier avg: 67.73%
32
32th pctile
Non-Interest Income / Assets
Current: 0.25% · Tier avg: 0.56%
24
24th pctile
Delinquency Rate
Current: 1.22% · Tier avg: 0.64%
19
19th pctile
Nonperforming Asset Ratio
Current: 1.03% · Tier avg: 0.45%
14
14th pctile
Non-Interest-Bearing Deposit Share
Current: 11.03% · Tier avg: 22.39%
2
2th pctile
Loan-to-Deposit Ratio
Current: 116.33% · Tier avg: 74.53%
Top Weaknesses
2
2th pctile
Loan-to-Deposit Ratio
Current: 116.33% · Tier avg: 74.53%
14
14th pctile
Non-Interest-Bearing Deposit Share
Current: 11.03% · Tier avg: 22.39%
19
19th pctile
Nonperforming Asset Ratio
Current: 1.03% · Tier avg: 0.45%
24
24th pctile
Delinquency Rate
Current: 1.22% · Tier avg: 0.64%
32
32th pctile
Non-Interest Income / Assets
Current: 0.25% · Tier avg: 0.56%
40
40th pctile
Efficiency Ratio
Current: 69.91% · Tier avg: 67.73%
53
53th pctile
Return on Assets
Current: 1.10% · Tier avg: 1.08%
62
62th pctile
Tier 1 Capital Ratio
Current: 12.77% · Tier avg: 8.85%
66
66th pctile
Net Interest Margin
Current: 4.15% · Tier avg: 3.85%
89
89th pctile
Total Deposits
Current: $343.0M · Tier avg: $183.7M
97
97th pctile
Total Assets
Current: $474.8M · Tier avg: $217.5M
99
99th pctile
Total Loans
Current: $399.0M · Tier avg: $139.2M