BlastPoint's Banking Scorecard
Premier Bank Minnesota
Community
Specialty: Commercial
MN
FDIC cert 33204
Hastings, MN
1484
banks in Community tier nationally
45 in MN
View Community leaderboard (MN) →
Premier Bank Minnesota demonstrates 2 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.61% below tier
- + Nonperforming Asset Ratio 0.48% below 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 ? |
$710.0M
+4.9% YoY
+1.1% QoQ
|
-$681.5M |
$1.4B
+2.0% YoY
|
$508.2M
+6.2% YoY
|
$5.9B
+6.5% YoY
|
28% |
| Total Loans ? |
$555.9M
+0.4% YoY
+0.8% QoQ
|
-$419.5M |
$975.5M
+2.4% YoY
|
$283.0M
+6.2% YoY
|
$3.1B
+8.5% YoY
|
37% |
| Total Deposits ? |
$626.5M
+5.6% YoY
+1.2% QoQ
|
-$538.1M |
$1.2B
+1.7% YoY
|
$438.4M
+5.3% YoY
|
$4.7B
+6.3% YoY
|
31% |
| Return on Assets ? |
1.68%
+16.3% YoY
-0.5% QoQ
|
+0.51% |
1.16%
+17.2% YoY
|
1.11%
+14.5% YoY
|
1.12%
+15.6% YoY
|
83% |
| Net Interest Margin ? |
4.13%
+13.3% YoY
+1.3% QoQ
|
+0.47% |
3.66%
+9.1% YoY
|
3.81%
+8.2% YoY
|
3.75%
+7.1% YoY
|
75% |
| Efficiency Ratio ? |
59.38%
-3.0% YoY
+1.9% QoQ
|
-3.25% |
62.63%
-5.3% YoY
|
65.34%
-5.0% YoY
|
65.09%
-5.1% YoY
|
59% |
| Delinquency Rate ? |
0.02%
-49.4% YoY
-88.4% QoQ
|
-0.61% |
0.63%
+18.3% YoY
|
0.65%
+17.8% YoY
|
0.66%
+20.3% YoY
|
Top 8% in tier |
| Loan-to-Deposit Ratio ? |
88.73%
-4.8% YoY
-0.4% QoQ
|
+5.67% |
83.06%
+0.3% YoY
|
76.97%
-0.8% YoY
|
78.04%
+0.7% YoY
|
61% |
| Non-Interest-Bearing Deposit Share ? |
25.44%
+14.2% YoY
+14.5% QoQ
|
+4.39% |
21.05%
-0.9% YoY
|
21.89%
-2.6% YoY
|
21.79%
-1.3% YoY
|
71% |
| Nonperforming Asset Ratio ? |
0.02%
-51.5% YoY
-88.5% QoQ
|
-0.48% |
0.50%
+20.3% YoY
|
0.46%
+7.5% YoY
|
0.48%
+20.8% YoY
|
Top 8% in tier |
| Tier 1 Capital Ratio ? |
14.01%
+8.8% YoY
+1.6% QoQ
|
+3.76% |
10.24%
-0.6% YoY
|
11.33%
-0.2% YoY
|
9.75%
-1.9% YoY
|
68% |
| Non-Interest Income / Assets ? |
0.30%
-18.8% YoY
+35.4% QoQ
|
-0.44% |
0.74%
-1.3% YoY
|
0.50%
+4.9% YoY
|
0.65%
+0.6% YoY
|
22% |
Signature Analysis
Strengths (2)
Delinquency Rate
metric
Top 8%
in Community
Why this stands out
Current:
0.02%
(Tier avg: 0.63%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 8%
in Community
Why this stands out
Current:
0.02%
(Tier avg: 0.50%, National avg: 0.48%)
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
92
92th pctile
Delinquency Rate
Current: 0.02% · Tier avg: 0.63%
92
92th pctile
Nonperforming Asset Ratio
Current: 0.02% · Tier avg: 0.50%
83
83th pctile
Return on Assets
Current: 1.68% · Tier avg: 1.16%
75
75th pctile
Net Interest Margin
Current: 4.13% · Tier avg: 3.66%
71
71th pctile
Non-Interest-Bearing Deposit Share
Current: 25.44% · Tier avg: 21.05%
68
68th pctile
Tier 1 Capital Ratio
Current: 14.01% · Tier avg: 10.24%
61
61th pctile
Loan-to-Deposit Ratio
Current: 88.73% · Tier avg: 83.06%
59
59th pctile
Efficiency Ratio
Current: 59.38% · Tier avg: 62.63%
37
37th pctile
Total Loans
Current: $555.9M · Tier avg: $975.5M
31
31th pctile
Total Deposits
Current: $626.5M · Tier avg: $1.2B
28
28th pctile
Total Assets
Current: $710.0M · Tier avg: $1.4B
22
22th pctile
Non-Interest Income / Assets
Current: 0.30% · Tier avg: 0.74%
Top Weaknesses
22
22th pctile
Non-Interest Income / Assets
Current: 0.30% · Tier avg: 0.74%
28
28th pctile
Total Assets
Current: $710.0M · Tier avg: $1.4B
31
31th pctile
Total Deposits
Current: $626.5M · Tier avg: $1.2B
37
37th pctile
Total Loans
Current: $555.9M · Tier avg: $975.5M
59
59th pctile
Efficiency Ratio
Current: 59.38% · Tier avg: 62.63%
61
61th pctile
Loan-to-Deposit Ratio
Current: 88.73% · Tier avg: 83.06%
68
68th pctile
Tier 1 Capital Ratio
Current: 14.01% · Tier avg: 10.24%
71
71th pctile
Non-Interest-Bearing Deposit Share
Current: 25.44% · Tier avg: 21.05%
75
75th pctile
Net Interest Margin
Current: 4.13% · Tier avg: 3.66%
83
83th pctile
Return on Assets
Current: 1.68% · Tier avg: 1.16%
92
92th pctile
Nonperforming Asset Ratio
Current: 0.02% · Tier avg: 0.50%
92
92th pctile
Delinquency Rate
Current: 0.02% · Tier avg: 0.63%