BlastPoint's Banking Scorecard
Worthington Federal Savings Bank, FSB
Micro
Specialty: Mortgage
MN
FDIC cert 29426
Designations: ✓ Community bank ✓ Mutual
Worthington, MN
2498
banks in Micro tier nationally
179 in MN
View Micro leaderboard (MN) →
Worthington Federal Savings Bank, FSB has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Tier 1 Capital Ratio 22.96% above tier
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.25% below tier
- - Non-Interest-Bearing Deposit Share 16.90% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$132.9M
+29.4% YoY
+0.2% QoQ
|
-$84.6M |
$217.5M
+2.3% YoY
|
$508.2M
+6.2% YoY
|
$5.9B
+6.5% YoY
|
32% |
| Total Loans ? |
$88.4M
+25.0% YoY
-0.6% QoQ
|
-$50.8M |
$139.2M
+2.8% YoY
|
$283.0M
+6.2% YoY
|
$3.1B
+8.5% YoY
|
38% |
| Total Deposits ? |
$107.9M
+29.5% YoY
-0.0% QoQ
|
-$75.8M |
$183.7M
+1.8% YoY
|
$438.4M
+5.3% YoY
|
$4.7B
+6.3% YoY
|
31% |
| Return on Assets ? |
0.60%
+155.9% YoY
-20.2% QoQ
|
-0.48% |
1.08%
+14.7% YoY
|
1.11%
+14.5% YoY
|
1.12%
+15.6% YoY
|
22% |
| Net Interest Margin ? |
2.60%
+19.1% YoY
+7.1% QoQ
|
-1.25% |
3.85%
+6.6% YoY
|
3.81%
+8.2% YoY
|
3.75%
+7.1% YoY
|
Bottom 7% in tier |
| Efficiency Ratio ? |
70.13%
-18.8% YoY
+3.0% QoQ
|
+2.41% |
67.73%
-4.8% YoY
|
65.34%
-5.0% YoY
|
65.09%
-5.1% YoY
|
40% |
| Delinquency Rate ? |
0.44%
+29.4% YoY
+28.2% QoQ
|
-0.20% |
0.64%
+24.4% YoY
|
0.65%
+17.8% YoY
|
0.66%
+20.3% YoY
|
48% |
| Loan-to-Deposit Ratio ? |
81.92%
-3.4% YoY
-0.5% QoQ
|
+7.40% |
74.53%
+0.5% YoY
|
76.97%
-0.8% YoY
|
78.04%
+0.7% YoY
|
62% |
| Non-Interest-Bearing Deposit Share ? |
5.50%
+12.6% YoY
-1.6% QoQ
|
-16.90% |
22.39%
-1.3% YoY
|
21.89%
-2.6% YoY
|
21.79%
-1.3% YoY
|
Bottom 6% in tier |
| Nonperforming Asset Ratio ? |
0.29%
+25.0% YoY
+27.2% QoQ
|
-0.16% |
0.45%
+25.1% YoY
|
0.46%
+7.5% YoY
|
0.48%
+20.8% YoY
|
49% |
| Tier 1 Capital Ratio ? |
31.81%
-0.9% YoY
-1.1% QoQ
|
+22.96% |
8.85%
-3.4% YoY
|
11.33%
-0.2% YoY
|
9.75%
-1.9% YoY
|
Top 3% in tier |
| Non-Interest Income / Assets ? |
0.39%
+204.4% YoY
+10.6% QoQ
|
-0.18% |
0.56%
+0.3% YoY
|
0.50%
+4.9% YoY
|
0.65%
+0.6% YoY
|
54% |
Signature Analysis
Strengths (1)
Tier 1 Capital Ratio
metric
Top 3%
in Micro
Why this stands out
Current:
31.81%
(Tier avg: 8.85%, National avg: 9.75%)
Concerns (2)
Net Interest Margin
metric
Bottom 7%
in Micro
Why this stands out
Current:
2.60%
(Tier avg: 3.85%, National avg: 3.75%)
Non-Interest-Bearing Deposit Share
metric
Bottom 6%
in Micro
Why this stands out
Current:
5.50%
(Tier avg: 22.39%, National avg: 21.79%)
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
97
97th pctile
Tier 1 Capital Ratio
Current: 31.81% · Tier avg: 8.85%
62
62th pctile
Loan-to-Deposit Ratio
Current: 81.92% · Tier avg: 74.53%
54
54th pctile
Non-Interest Income / Assets
Current: 0.39% · Tier avg: 0.56%
49
49th pctile
Nonperforming Asset Ratio
Current: 0.29% · Tier avg: 0.45%
48
48th pctile
Delinquency Rate
Current: 0.44% · Tier avg: 0.64%
40
40th pctile
Efficiency Ratio
Current: 70.13% · Tier avg: 67.73%
38
38th pctile
Total Loans
Current: $88.4M · Tier avg: $139.2M
32
32th pctile
Total Assets
Current: $132.9M · Tier avg: $217.5M
31
31th pctile
Total Deposits
Current: $107.9M · Tier avg: $183.7M
22
22th pctile
Return on Assets
Current: 0.60% · Tier avg: 1.08%
7
7th pctile
Net Interest Margin
Current: 2.60% · Tier avg: 3.85%
6
6th pctile
Non-Interest-Bearing Deposit Share
Current: 5.50% · Tier avg: 22.39%
Top Weaknesses
6
6th pctile
Non-Interest-Bearing Deposit Share
Current: 5.50% · Tier avg: 22.39%
7
7th pctile
Net Interest Margin
Current: 2.60% · Tier avg: 3.85%
22
22th pctile
Return on Assets
Current: 0.60% · Tier avg: 1.08%
31
31th pctile
Total Deposits
Current: $107.9M · Tier avg: $183.7M
32
32th pctile
Total Assets
Current: $132.9M · Tier avg: $217.5M
38
38th pctile
Total Loans
Current: $88.4M · Tier avg: $139.2M
40
40th pctile
Efficiency Ratio
Current: 70.13% · Tier avg: 67.73%
48
48th pctile
Delinquency Rate
Current: 0.44% · Tier avg: 0.64%
49
49th pctile
Nonperforming Asset Ratio
Current: 0.29% · Tier avg: 0.45%
54
54th pctile
Non-Interest Income / Assets
Current: 0.39% · Tier avg: 0.56%
62
62th pctile
Loan-to-Deposit Ratio
Current: 81.92% · Tier avg: 74.53%
97
97th pctile
Tier 1 Capital Ratio
Current: 31.81% · Tier avg: 8.85%