BlastPoint's Banking Scorecard
B2 Bank National Association
Micro
Specialty: Other
MN
FDIC cert 5105
Designations: ✓ Community bank
Virginia, MN
2498
banks in Micro tier nationally
179 in MN
View Micro leaderboard (MN) →
B2 Bank National Association has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest Income / Assets 6.16% above tier
Key Concerns
Areas that may need attention
- - Return on Assets 1.72% below tier
- - Efficiency Ratio 39.37% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$71.8M
-13.2% YoY
+3.7% QoQ
|
-$145.7M |
$217.5M
+2.3% YoY
|
$508.2M
+6.2% YoY
|
$5.9B
+6.5% YoY
|
Bottom 13% in tier |
| Total Loans ? |
$34.8M
+2.0% YoY
+1.5% QoQ
|
-$104.3M |
$139.2M
+2.8% YoY
|
$283.0M
+6.2% YoY
|
$3.1B
+8.5% YoY
|
Bottom 13% in tier |
| Total Deposits ? |
$60.4M
-15.4% YoY
+4.6% QoQ
|
-$123.3M |
$183.7M
+1.8% YoY
|
$438.4M
+5.3% YoY
|
$4.7B
+6.3% YoY
|
Bottom 14% in tier |
| Return on Assets ? |
-0.63%
-12.9% QoQ
|
-1.72% |
1.08%
+14.7% YoY
|
1.11%
+14.5% YoY
|
1.12%
+15.6% YoY
|
Bottom 3% in tier |
| Net Interest Margin ? |
4.74%
-3.3% YoY
-0.7% QoQ
|
+0.89% |
3.85%
+6.6% YoY
|
3.81%
+8.2% YoY
|
3.75%
+7.1% YoY
|
Top 14% in tier |
| Efficiency Ratio ? |
107.10%
+10.7% YoY
-0.1% QoQ
|
+39.37% |
67.73%
-4.8% YoY
|
65.34%
-5.0% YoY
|
65.09%
-5.1% YoY
|
Bottom 3% in tier |
| Delinquency Rate ? |
1.33%
+76.2% YoY
+119.7% QoQ
|
+0.69% |
0.64%
+24.4% YoY
|
0.65%
+17.8% YoY
|
0.66%
+20.3% YoY
|
22% |
| Loan-to-Deposit Ratio ? |
57.68%
+20.6% YoY
-2.9% QoQ
|
-16.85% |
74.53%
+0.5% YoY
|
76.97%
-0.8% YoY
|
78.04%
+0.7% YoY
|
79% |
| Non-Interest-Bearing Deposit Share ? |
18.47%
-28.7% YoY
+2.9% QoQ
|
-3.93% |
22.39%
-1.3% YoY
|
21.89%
-2.6% YoY
|
21.79%
-1.3% YoY
|
36% |
| Nonperforming Asset Ratio ? |
0.65%
+107.2% YoY
+115.1% QoQ
|
+0.19% |
0.45%
+25.1% YoY
|
0.46%
+7.5% YoY
|
0.48%
+20.8% YoY
|
30% |
| Tier 1 Capital Ratio ? |
0.00%
-100.0% YoY
|
-8.85% |
8.85%
-3.4% YoY
|
11.33%
-0.2% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
6.72%
+4.7% YoY
+32.1% QoQ
|
+6.16% |
0.56%
+0.3% YoY
|
0.50%
+4.9% YoY
|
0.65%
+0.6% YoY
|
Top 1% in tier |
Signature Analysis
Strengths (1)
Non-Interest Income / Assets
metric
Top 1%
in Micro
Why this stands out
Current:
6.72%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (2)
Return on Assets
metric
Bottom 3%
in Micro
Why this stands out
Current:
-0.63%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Bottom 3%
in Micro
Why this stands out
Current:
107.10%
(Tier avg: 67.73%, National avg: 65.09%)
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
99
99th pctile
Non-Interest Income / Assets
Current: 6.72% · Tier avg: 0.56%
86
86th pctile
Net Interest Margin
Current: 4.74% · Tier avg: 3.85%
79
79th pctile
Loan-to-Deposit Ratio
Current: 57.68% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
36
36th pctile
Non-Interest-Bearing Deposit Share
Current: 18.47% · Tier avg: 22.39%
30
30th pctile
Nonperforming Asset Ratio
Current: 0.65% · Tier avg: 0.45%
22
22th pctile
Delinquency Rate
Current: 1.33% · Tier avg: 0.64%
14
14th pctile
Total Deposits
Current: $60.4M · Tier avg: $183.7M
13
13th pctile
Total Assets
Current: $71.8M · Tier avg: $217.5M
13
13th pctile
Total Loans
Current: $34.8M · Tier avg: $139.2M
3
3th pctile
Return on Assets
Current: -0.63% · Tier avg: 1.08%
3
3th pctile
Efficiency Ratio
Current: 107.10% · Tier avg: 67.73%
Top Weaknesses
3
3th pctile
Efficiency Ratio
Current: 107.10% · Tier avg: 67.73%
3
3th pctile
Return on Assets
Current: -0.63% · Tier avg: 1.08%
13
13th pctile
Total Loans
Current: $34.8M · Tier avg: $139.2M
13
13th pctile
Total Assets
Current: $71.8M · Tier avg: $217.5M
14
14th pctile
Total Deposits
Current: $60.4M · Tier avg: $183.7M
22
22th pctile
Delinquency Rate
Current: 1.33% · Tier avg: 0.64%
30
30th pctile
Nonperforming Asset Ratio
Current: 0.65% · Tier avg: 0.45%
36
36th pctile
Non-Interest-Bearing Deposit Share
Current: 18.47% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
79
79th pctile
Loan-to-Deposit Ratio
Current: 57.68% · Tier avg: 74.53%
86
86th pctile
Net Interest Margin
Current: 4.74% · Tier avg: 3.85%
99
99th pctile
Non-Interest Income / Assets
Current: 6.72% · Tier avg: 0.56%