BlastPoint's Banking Scorecard
Key Community Bank
Micro
Specialty: Commercial
MN
FDIC cert 34644
Designations: ✓ Community bank
Inver Grove Heights, MN
2498
banks in Micro tier nationally
179 in MN
View Micro leaderboard (MN) →
Key Community Bank faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Delinquency Rate 2.35% above tier
- - Nonperforming Asset Ratio 2.42% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$121.0M
+8.0% YoY
+11.2% QoQ
|
-$96.5M |
$217.5M
+2.3% YoY
|
$508.2M
+6.2% YoY
|
$5.9B
+6.5% YoY
|
29% |
| Total Loans ? |
$95.4M
+7.6% YoY
+2.6% QoQ
|
-$43.8M |
$139.2M
+2.8% YoY
|
$283.0M
+6.2% YoY
|
$3.1B
+8.5% YoY
|
41% |
| Total Deposits ? |
$109.9M
+16.8% YoY
+12.0% QoQ
|
-$73.7M |
$183.7M
+1.8% YoY
|
$438.4M
+5.3% YoY
|
$4.7B
+6.3% YoY
|
32% |
| Return on Assets ? |
1.37%
+25.5% YoY
+5.2% QoQ
|
+0.29% |
1.08%
+14.7% YoY
|
1.11%
+14.5% YoY
|
1.12%
+15.6% YoY
|
68% |
| Net Interest Margin ? |
4.13%
+12.3% YoY
-0.7% QoQ
|
+0.28% |
3.85%
+6.6% YoY
|
3.81%
+8.2% YoY
|
3.75%
+7.1% YoY
|
65% |
| Efficiency Ratio ? |
59.84%
-8.5% YoY
-3.6% QoQ
|
-7.88% |
67.73%
-4.8% YoY
|
65.34%
-5.0% YoY
|
65.09%
-5.1% YoY
|
68% |
| Delinquency Rate ? | 2.99% | +2.35% |
0.64%
+24.4% YoY
|
0.65%
+17.8% YoY
|
0.66%
+20.3% YoY
|
Bottom 7% in tier |
| Loan-to-Deposit Ratio ? |
86.76%
-7.9% YoY
-8.4% QoQ
|
+12.24% |
74.53%
+0.5% YoY
|
76.97%
-0.8% YoY
|
78.04%
+0.7% YoY
|
71% |
| Non-Interest-Bearing Deposit Share ? |
22.51%
-32.1% YoY
-17.4% QoQ
|
+0.11% |
22.39%
-1.3% YoY
|
21.89%
-2.6% YoY
|
21.79%
-1.3% YoY
|
54% |
| Nonperforming Asset Ratio ? |
2.88%
+382.2% QoQ
|
+2.42% |
0.45%
+25.1% YoY
|
0.46%
+7.5% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? |
10.89%
+1.4% YoY
+1.1% QoQ
|
+2.04% |
8.85%
-3.4% YoY
|
11.33%
-0.2% YoY
|
9.75%
-1.9% YoY
|
55% |
| Non-Interest Income / Assets ? |
0.16%
-11.5% YoY
+26.4% QoQ
|
-0.40% |
0.56%
+0.3% YoY
|
0.50%
+4.9% YoY
|
0.65%
+0.6% YoY
|
17% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Delinquency Rate
metric
Bottom 7%
in Micro
Why this stands out
Current:
2.99%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
2.88%
(Tier avg: 0.45%, National avg: 0.48%)
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
71
71th pctile
Loan-to-Deposit Ratio
Current: 86.76% · Tier avg: 74.53%
68
68th pctile
Return on Assets
Current: 1.37% · Tier avg: 1.08%
68
68th pctile
Efficiency Ratio
Current: 59.84% · Tier avg: 67.73%
65
65th pctile
Net Interest Margin
Current: 4.13% · Tier avg: 3.85%
55
55th pctile
Tier 1 Capital Ratio
Current: 10.89% · Tier avg: 8.85%
54
54th pctile
Non-Interest-Bearing Deposit Share
Current: 22.51% · Tier avg: 22.39%
41
41th pctile
Total Loans
Current: $95.4M · Tier avg: $139.2M
32
32th pctile
Total Deposits
Current: $109.9M · Tier avg: $183.7M
29
29th pctile
Total Assets
Current: $121.0M · Tier avg: $217.5M
17
17th pctile
Non-Interest Income / Assets
Current: 0.16% · Tier avg: 0.56%
7
7th pctile
Delinquency Rate
Current: 2.99% · Tier avg: 0.64%
0
0th pctile
Nonperforming Asset Ratio
Current: 2.88% · Tier avg: 0.45%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 2.88% · Tier avg: 0.45%
7
7th pctile
Delinquency Rate
Current: 2.99% · Tier avg: 0.64%
17
17th pctile
Non-Interest Income / Assets
Current: 0.16% · Tier avg: 0.56%
29
29th pctile
Total Assets
Current: $121.0M · Tier avg: $217.5M
32
32th pctile
Total Deposits
Current: $109.9M · Tier avg: $183.7M
41
41th pctile
Total Loans
Current: $95.4M · Tier avg: $139.2M
54
54th pctile
Non-Interest-Bearing Deposit Share
Current: 22.51% · Tier avg: 22.39%
55
55th pctile
Tier 1 Capital Ratio
Current: 10.89% · Tier avg: 8.85%
65
65th pctile
Net Interest Margin
Current: 4.13% · Tier avg: 3.85%
68
68th pctile
Efficiency Ratio
Current: 59.84% · Tier avg: 67.73%
68
68th pctile
Return on Assets
Current: 1.37% · Tier avg: 1.08%
71
71th pctile
Loan-to-Deposit Ratio
Current: 86.76% · Tier avg: 74.53%