BlastPoint's Banking Scorecard
Minnesota First Credit and Savings, Incorporated
Rochester, MN
Minnesota First Credit and Savings, Incorporated faces 3 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Efficiency Ratio 23.12% above tier
- - Loan-to-Deposit Ratio 32.02% above tier
- - Non-Interest-Bearing Deposit Share 21.63% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$28.9M
+11.1% YoY
+3.1% QoQ
|
-$188.6M |
$217.5M
+2.3% YoY
|
$508.2M
+6.2% YoY
|
$5.9B
+6.5% YoY
|
Bottom 3% in tier |
| Total Loans ? |
$25.5M
+9.2% YoY
-0.2% QoQ
|
-$113.6M |
$139.2M
+2.8% YoY
|
$283.0M
+6.2% YoY
|
$3.1B
+8.5% YoY
|
Bottom 9% in tier |
| Total Deposits ? |
$24.0M
+15.2% YoY
+4.0% QoQ
|
-$159.7M |
$183.7M
+1.8% YoY
|
$438.4M
+5.3% YoY
|
$4.7B
+6.3% YoY
|
Bottom 4% in tier |
| Return on Assets ? |
0.37%
+306.8% YoY
-9.0% QoQ
|
-0.71% |
1.08%
+14.7% YoY
|
1.11%
+14.5% YoY
|
1.12%
+15.6% YoY
|
Bottom 14% in tier |
| Net Interest Margin ? |
4.38%
+3.1% YoY
-0.9% QoQ
|
+0.52% |
3.85%
+6.6% YoY
|
3.81%
+8.2% YoY
|
3.75%
+7.1% YoY
|
75% |
| Efficiency Ratio ? |
90.85%
-7.1% YoY
+1.0% QoQ
|
+23.12% |
67.73%
-4.8% YoY
|
65.34%
-5.0% YoY
|
65.09%
-5.1% YoY
|
Bottom 9% in tier |
| Delinquency Rate ? |
0.18%
+45.3% YoY
-32.2% QoQ
|
-0.46% |
0.64%
+24.4% YoY
|
0.65%
+17.8% YoY
|
0.66%
+20.3% YoY
|
63% |
| Loan-to-Deposit Ratio ? |
106.55%
-5.3% YoY
-4.1% QoQ
|
+32.02% |
74.53%
+0.5% YoY
|
76.97%
-0.8% YoY
|
78.04%
+0.7% YoY
|
Bottom 5% in tier |
| Non-Interest-Bearing Deposit Share ? |
0.77%
+22.8% YoY
-24.7% QoQ
|
-21.63% |
22.39%
-1.3% YoY
|
21.89%
-2.6% YoY
|
21.79%
-1.3% YoY
|
Bottom 2% in tier |
| Nonperforming Asset Ratio ? |
0.16%
+42.7% YoY
-34.4% QoQ
|
-0.29% |
0.45%
+25.1% YoY
|
0.46%
+7.5% YoY
|
0.48%
+20.8% YoY
|
60% |
| Tier 1 Capital Ratio ? |
20.81%
-5.9% YoY
+0.4% QoQ
|
+11.96% |
8.85%
-3.4% YoY
|
11.33%
-0.2% YoY
|
9.75%
-1.9% YoY
|
Top 12% in tier |
| Non-Interest Income / Assets ? |
0.21%
-16.7% YoY
+15.6% QoQ
|
-0.35% |
0.56%
+0.3% YoY
|
0.50%
+4.9% YoY
|
0.65%
+0.6% YoY
|
26% |
Signature Analysis
Strengths (0)
Concerns (3)
Efficiency Ratio
metricEfficiency Ratio is in the bottom decile (highest costs) of tier peers. It costs materially more to produce a dollar of revenue than at peers - cost discipline or revenue growth is needed.
Loan-to-Deposit Ratio
metricLoan-to-Deposit Ratio sits in the healthy band but at the low end of tier peers. Lending capacity is intact but underutilized - room to grow loans without funding-side strain.
Non-Interest-Bearing Deposit Share
metricNon-Interest-Bearing Deposit Share is in the bottom decile of tier peers. The deposit base leans more on interest-bearing funding than at peers - margin more exposed to rate hikes.
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%