BlastPoint's Banking Scorecard
Crown Bank
Micro
Specialty: Commercial
MN
FDIC cert 35480
Designations: ✓ Community bank
Edina, MN
2498
banks in Micro tier nationally
179 in MN
View Micro leaderboard (MN) →
Crown 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
- - Net Interest Margin 1.12% below tier
- - Non-Interest Income / Assets 0.48% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$444.4M
+4.3% YoY
+0.1% QoQ
|
+$226.9M |
$217.5M
+2.3% YoY
|
$508.2M
+6.2% YoY
|
$5.9B
+6.5% YoY
|
Top 6% in tier |
| Total Loans ? |
$339.3M
-0.9% YoY
+0.7% QoQ
|
+$200.1M |
$139.2M
+2.8% YoY
|
$283.0M
+6.2% YoY
|
$3.1B
+8.5% YoY
|
Top 3% in tier |
| Total Deposits ? |
$369.5M
+5.6% YoY
+2.5% QoQ
|
+$185.8M |
$183.7M
+1.8% YoY
|
$438.4M
+5.3% YoY
|
$4.7B
+6.3% YoY
|
Top 7% in tier |
| Return on Assets ? |
0.25%
-65.5% YoY
+18.2% QoQ
|
-0.84% |
1.08%
+14.7% YoY
|
1.11%
+14.5% YoY
|
1.12%
+15.6% YoY
|
Bottom 11% in tier |
| Net Interest Margin ? |
2.74%
+3.0% YoY
+3.4% QoQ
|
-1.12% |
3.85%
+6.6% YoY
|
3.81%
+8.2% YoY
|
3.75%
+7.1% YoY
|
Bottom 9% in tier |
| Efficiency Ratio ? |
87.56%
+8.1% YoY
-1.4% QoQ
|
+19.84% |
67.73%
-4.8% YoY
|
65.34%
-5.0% YoY
|
65.09%
-5.1% YoY
|
Bottom 11% in tier |
| Delinquency Rate ? |
1.64%
-9.8% YoY
-30.6% QoQ
|
+1.00% |
0.64%
+24.4% YoY
|
0.65%
+17.8% YoY
|
0.66%
+20.3% YoY
|
17% |
| Loan-to-Deposit Ratio ? |
91.82%
-6.2% YoY
-1.8% QoQ
|
+17.30% |
74.53%
+0.5% YoY
|
76.97%
-0.8% YoY
|
78.04%
+0.7% YoY
|
20% |
| Non-Interest-Bearing Deposit Share ? |
13.01%
+10.6% YoY
-3.2% QoQ
|
-9.39% |
22.39%
-1.3% YoY
|
21.89%
-2.6% YoY
|
21.79%
-1.3% YoY
|
18% |
| Nonperforming Asset Ratio ? |
1.25%
-14.3% YoY
-30.3% QoQ
|
+0.80% |
0.45%
+25.1% YoY
|
0.46%
+7.5% YoY
|
0.48%
+20.8% YoY
|
Bottom 15% in tier |
| Tier 1 Capital Ratio ? |
9.74%
+1.7% YoY
+0.3% QoQ
|
+0.89% |
8.85%
-3.4% YoY
|
11.33%
-0.2% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.08%
-60.4% YoY
+51.4% QoQ
|
-0.48% |
0.56%
+0.3% YoY
|
0.50%
+4.9% YoY
|
0.65%
+0.6% YoY
|
Bottom 6% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Net Interest Margin
metric
Bottom 9%
in Micro
Why this stands out
Current:
2.74%
(Tier avg: 3.85%, National avg: 3.75%)
Non-Interest Income / Assets
metric
Bottom 6%
in Micro
Why this stands out
Current:
0.08%
(Tier avg: 0.56%, National avg: 0.65%)
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
Total Loans
Current: $339.3M · Tier avg: $139.2M
94
94th pctile
Total Assets
Current: $444.4M · Tier avg: $217.5M
93
93th pctile
Total Deposits
Current: $369.5M · Tier avg: $183.7M
51
51th pctile
Tier 1 Capital Ratio
Current: 9.74% · Tier avg: 8.85%
20
20th pctile
Loan-to-Deposit Ratio
Current: 91.82% · Tier avg: 74.53%
18
18th pctile
Non-Interest-Bearing Deposit Share
Current: 13.01% · Tier avg: 22.39%
17
17th pctile
Delinquency Rate
Current: 1.64% · Tier avg: 0.64%
15
15th pctile
Nonperforming Asset Ratio
Current: 1.25% · Tier avg: 0.45%
11
11th pctile
Efficiency Ratio
Current: 87.56% · Tier avg: 67.73%
11
11th pctile
Return on Assets
Current: 0.25% · Tier avg: 1.08%
9
9th pctile
Net Interest Margin
Current: 2.74% · Tier avg: 3.85%
6
6th pctile
Non-Interest Income / Assets
Current: 0.08% · Tier avg: 0.56%
Top Weaknesses
6
6th pctile
Non-Interest Income / Assets
Current: 0.08% · Tier avg: 0.56%
9
9th pctile
Net Interest Margin
Current: 2.74% · Tier avg: 3.85%
11
11th pctile
Return on Assets
Current: 0.25% · Tier avg: 1.08%
11
11th pctile
Efficiency Ratio
Current: 87.56% · Tier avg: 67.73%
15
15th pctile
Nonperforming Asset Ratio
Current: 1.25% · Tier avg: 0.45%
17
17th pctile
Delinquency Rate
Current: 1.64% · Tier avg: 0.64%
18
18th pctile
Non-Interest-Bearing Deposit Share
Current: 13.01% · Tier avg: 22.39%
20
20th pctile
Loan-to-Deposit Ratio
Current: 91.82% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 9.74% · Tier avg: 8.85%
93
93th pctile
Total Deposits
Current: $369.5M · Tier avg: $183.7M
94
94th pctile
Total Assets
Current: $444.4M · Tier avg: $217.5M
97
97th pctile
Total Loans
Current: $339.3M · Tier avg: $139.2M