BlastPoint's Banking Scorecard
First Bank Blue Earth
Micro
Specialty: Agricultural
MN
FDIC cert 5097
Designations: ✓ Community bank
Blue Earth, MN
2498
banks in Micro tier nationally
179 in MN
View Micro leaderboard (MN) →
First Bank Blue Earth faces 1 concern 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 1.34% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$322.3M
+3.6% YoY
+5.5% QoQ
|
+$104.8M |
$217.5M
+2.3% YoY
|
$508.2M
+6.2% YoY
|
$5.9B
+6.5% YoY
|
76% |
| Total Loans ? |
$211.1M
+5.0% YoY
+0.1% QoQ
|
+$71.9M |
$139.2M
+2.8% YoY
|
$283.0M
+6.2% YoY
|
$3.1B
+8.5% YoY
|
77% |
| Total Deposits ? |
$280.9M
+3.6% YoY
+6.7% QoQ
|
+$97.2M |
$183.7M
+1.8% YoY
|
$438.4M
+5.3% YoY
|
$4.7B
+6.3% YoY
|
78% |
| Return on Assets ? |
0.76%
+36.7% YoY
+15.7% QoQ
|
-0.32% |
1.08%
+14.7% YoY
|
1.11%
+14.5% YoY
|
1.12%
+15.6% YoY
|
31% |
| Net Interest Margin ? |
2.52%
+10.8% YoY
-1.0% QoQ
|
-1.34% |
3.85%
+6.6% YoY
|
3.81%
+8.2% YoY
|
3.75%
+7.1% YoY
|
Bottom 6% in tier |
| Efficiency Ratio ? |
66.97%
-8.8% YoY
-3.8% QoQ
|
-0.76% |
67.73%
-4.8% YoY
|
65.34%
-5.0% YoY
|
65.09%
-5.1% YoY
|
48% |
| Delinquency Rate ? |
0.24%
-33.9% YoY
-9.9% QoQ
|
-0.40% |
0.64%
+24.4% YoY
|
0.65%
+17.8% YoY
|
0.66%
+20.3% YoY
|
59% |
| Loan-to-Deposit Ratio ? |
75.15%
+1.4% YoY
-6.2% QoQ
|
+0.62% |
74.53%
+0.5% YoY
|
76.97%
-0.8% YoY
|
78.04%
+0.7% YoY
|
48% |
| Non-Interest-Bearing Deposit Share ? |
16.76%
-4.0% YoY
-9.7% QoQ
|
-5.64% |
22.39%
-1.3% YoY
|
21.89%
-2.6% YoY
|
21.79%
-1.3% YoY
|
29% |
| Nonperforming Asset Ratio ? |
0.16%
-33.0% YoY
-14.5% QoQ
|
-0.30% |
0.45%
+25.1% YoY
|
0.46%
+7.5% YoY
|
0.48%
+20.8% YoY
|
61% |
| Tier 1 Capital Ratio ? |
0.00%
-100.0% QoQ
|
-8.85% |
8.85%
-3.4% YoY
|
11.33%
-0.2% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.43%
+29.9% YoY
+39.2% QoQ
|
-0.13% |
0.56%
+0.3% YoY
|
0.50%
+4.9% YoY
|
0.65%
+0.6% YoY
|
61% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Net Interest Margin
metric
Bottom 6%
in Micro
Why this stands out
Current:
2.52%
(Tier avg: 3.85%, National avg: 3.75%)
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
78
78th pctile
Total Deposits
Current: $280.9M · Tier avg: $183.7M
77
77th pctile
Total Loans
Current: $211.1M · Tier avg: $139.2M
76
76th pctile
Total Assets
Current: $322.3M · Tier avg: $217.5M
61
61th pctile
Non-Interest Income / Assets
Current: 0.43% · Tier avg: 0.56%
61
61th pctile
Nonperforming Asset Ratio
Current: 0.16% · Tier avg: 0.45%
59
59th pctile
Delinquency Rate
Current: 0.24% · Tier avg: 0.64%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
48
48th pctile
Efficiency Ratio
Current: 66.97% · Tier avg: 67.73%
48
48th pctile
Loan-to-Deposit Ratio
Current: 75.15% · Tier avg: 74.53%
31
31th pctile
Return on Assets
Current: 0.76% · Tier avg: 1.08%
29
29th pctile
Non-Interest-Bearing Deposit Share
Current: 16.76% · Tier avg: 22.39%
6
6th pctile
Net Interest Margin
Current: 2.52% · Tier avg: 3.85%
Top Weaknesses
6
6th pctile
Net Interest Margin
Current: 2.52% · Tier avg: 3.85%
29
29th pctile
Non-Interest-Bearing Deposit Share
Current: 16.76% · Tier avg: 22.39%
31
31th pctile
Return on Assets
Current: 0.76% · Tier avg: 1.08%
48
48th pctile
Loan-to-Deposit Ratio
Current: 75.15% · Tier avg: 74.53%
48
48th pctile
Efficiency Ratio
Current: 66.97% · Tier avg: 67.73%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
59
59th pctile
Delinquency Rate
Current: 0.24% · Tier avg: 0.64%
61
61th pctile
Nonperforming Asset Ratio
Current: 0.16% · Tier avg: 0.45%
61
61th pctile
Non-Interest Income / Assets
Current: 0.43% · Tier avg: 0.56%
76
76th pctile
Total Assets
Current: $322.3M · Tier avg: $217.5M
77
77th pctile
Total Loans
Current: $211.1M · Tier avg: $139.2M
78
78th pctile
Total Deposits
Current: $280.9M · Tier avg: $183.7M