BlastPoint's Banking Scorecard
BankVista
Community
Specialty: Commercial
MN
FDIC cert 35406
Sartell, MN
1484
banks in Community tier nationally
45 in MN
View Community leaderboard (MN) →
BankVista has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 28.99% above tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 40% in Community
- - Nonperforming Asset Ratio 1.43% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$633.3M
+5.2% YoY
+0.5% QoQ
|
-$758.2M |
$1.4B
+2.0% YoY
|
$508.2M
+6.2% YoY
|
$5.9B
+6.5% YoY
|
19% |
| Total Loans ? |
$570.2M
+5.2% YoY
+2.2% QoQ
|
-$405.3M |
$975.5M
+2.4% YoY
|
$283.0M
+6.2% YoY
|
$3.1B
+8.5% YoY
|
38% |
| Total Deposits ? |
$508.9M
-0.8% YoY
-3.9% QoQ
|
-$655.8M |
$1.2B
+1.7% YoY
|
$438.4M
+5.3% YoY
|
$4.7B
+6.3% YoY
|
Bottom 14% in tier |
| Return on Assets ? |
0.93%
+82.9% YoY
+6.0% QoQ
|
-0.23% |
1.16%
+17.2% YoY
|
1.11%
+14.5% YoY
|
1.12%
+15.6% YoY
|
33% |
| Net Interest Margin ? |
3.65%
+14.9% YoY
+2.5% QoQ
|
-0.02% |
3.66%
+9.1% YoY
|
3.81%
+8.2% YoY
|
3.75%
+7.1% YoY
|
50% |
| Efficiency Ratio ? |
59.89%
-14.7% YoY
-1.9% QoQ
|
-2.74% |
62.63%
-5.3% YoY
|
65.34%
-5.0% YoY
|
65.09%
-5.1% YoY
|
57% |
| Delinquency Rate ? |
2.15%
+21.2% YoY
+5.6% QoQ
|
+1.52% |
0.63%
+18.3% YoY
|
0.65%
+17.8% YoY
|
0.66%
+20.3% YoY
|
Bottom 9% in tier |
| Loan-to-Deposit Ratio ? |
112.05%
+6.0% YoY
+6.3% QoQ
|
+28.99% |
83.06%
+0.3% YoY
|
76.97%
-0.8% YoY
|
78.04%
+0.7% YoY
|
Top 3% in tier |
| Non-Interest-Bearing Deposit Share ? |
22.61%
+2.9% YoY
+2.2% QoQ
|
+1.56% |
21.05%
-0.9% YoY
|
21.89%
-2.6% YoY
|
21.79%
-1.3% YoY
|
61% |
| Nonperforming Asset Ratio ? |
1.93%
-0.1% YoY
+1.7% QoQ
|
+1.43% |
0.50%
+20.3% YoY
|
0.46%
+7.5% YoY
|
0.48%
+20.8% YoY
|
Bottom 7% in tier |
| Tier 1 Capital Ratio ? |
11.38%
+4.2% YoY
+1.4% QoQ
|
+1.14% |
10.24%
-0.6% YoY
|
11.33%
-0.2% YoY
|
9.75%
-1.9% YoY
|
40% |
| Non-Interest Income / Assets ? |
0.42%
-6.5% YoY
+24.2% QoQ
|
-0.32% |
0.74%
-1.3% YoY
|
0.50%
+4.9% YoY
|
0.65%
+0.6% YoY
|
37% |
Signature Analysis
Strengths (1)
Loan-to-Deposit Ratio
metric
Top 3%
in Community
Why this stands out
Current:
112.05%
(Tier avg: 83.06%, National avg: 78.04%)
Concerns (2)
Credit Risk Growth
risk
#260 of 642 · Bottom 40% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank improving
Nonperforming Asset Ratio
metric
Bottom 7%
in Community
Why this stands out
Current:
1.93%
(Tier avg: 0.50%, 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
97
97th pctile
Loan-to-Deposit Ratio
Current: 112.05% · Tier avg: 83.06%
61
61th pctile
Non-Interest-Bearing Deposit Share
Current: 22.61% · Tier avg: 21.05%
57
57th pctile
Efficiency Ratio
Current: 59.89% · Tier avg: 62.63%
50
50th pctile
Net Interest Margin
Current: 3.65% · Tier avg: 3.66%
40
40th pctile
Tier 1 Capital Ratio
Current: 11.38% · Tier avg: 10.24%
38
38th pctile
Total Loans
Current: $570.2M · Tier avg: $975.5M
37
37th pctile
Non-Interest Income / Assets
Current: 0.42% · Tier avg: 0.74%
33
33th pctile
Return on Assets
Current: 0.93% · Tier avg: 1.16%
19
19th pctile
Total Assets
Current: $633.3M · Tier avg: $1.4B
14
14th pctile
Total Deposits
Current: $508.9M · Tier avg: $1.2B
9
9th pctile
Delinquency Rate
Current: 2.15% · Tier avg: 0.63%
7
7th pctile
Nonperforming Asset Ratio
Current: 1.93% · Tier avg: 0.50%
Top Weaknesses
7
7th pctile
Nonperforming Asset Ratio
Current: 1.93% · Tier avg: 0.50%
9
9th pctile
Delinquency Rate
Current: 2.15% · Tier avg: 0.63%
14
14th pctile
Total Deposits
Current: $508.9M · Tier avg: $1.2B
19
19th pctile
Total Assets
Current: $633.3M · Tier avg: $1.4B
33
33th pctile
Return on Assets
Current: 0.93% · Tier avg: 1.16%
37
37th pctile
Non-Interest Income / Assets
Current: 0.42% · Tier avg: 0.74%
38
38th pctile
Total Loans
Current: $570.2M · Tier avg: $975.5M
40
40th pctile
Tier 1 Capital Ratio
Current: 11.38% · Tier avg: 10.24%
50
50th pctile
Net Interest Margin
Current: 3.65% · Tier avg: 3.66%
57
57th pctile
Efficiency Ratio
Current: 59.89% · Tier avg: 62.63%
61
61th pctile
Non-Interest-Bearing Deposit Share
Current: 22.61% · Tier avg: 21.05%
97
97th pctile
Loan-to-Deposit Ratio
Current: 112.05% · Tier avg: 83.06%