BlastPoint's Banking Scorecard
First Security Bank - Canby
Micro
Specialty: Agricultural
MN
FDIC cert 5107
Designations: ✓ Community bank
Canby, MN
2498
banks in Micro tier nationally
179 in MN
View Micro leaderboard (MN) →
First Security Bank - Canby shows strong momentum with 2 strengths and 8.0% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 17.08% above tier
- + Tier 1 Capital Ratio 13.67% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$85.3M
+8.0% YoY
+5.0% QoQ
|
-$132.2M |
$217.5M
+2.3% YoY
|
$508.2M
+6.2% YoY
|
$5.9B
+6.5% YoY
|
18% |
| Total Loans ? |
$38.4M
+0.1% YoY
+3.1% QoQ
|
-$100.8M |
$139.2M
+2.8% YoY
|
$283.0M
+6.2% YoY
|
$3.1B
+8.5% YoY
|
Bottom 14% in tier |
| Total Deposits ? |
$73.4M
+7.7% YoY
+5.1% QoQ
|
-$110.2M |
$183.7M
+1.8% YoY
|
$438.4M
+5.3% YoY
|
$4.7B
+6.3% YoY
|
19% |
| Return on Assets ? |
1.82%
+0.4% YoY
-5.1% QoQ
|
+0.73% |
1.08%
+14.7% YoY
|
1.11%
+14.5% YoY
|
1.12%
+15.6% YoY
|
Top 14% in tier |
| Net Interest Margin ? |
3.97%
-0.6% YoY
+1.6% QoQ
|
+0.12% |
3.85%
+6.6% YoY
|
3.81%
+8.2% YoY
|
3.75%
+7.1% YoY
|
57% |
| Efficiency Ratio ? |
51.01%
+2.3% YoY
+3.3% QoQ
|
-16.71% |
67.73%
-4.8% YoY
|
65.34%
-5.0% YoY
|
65.09%
-5.1% YoY
|
Top 12% in tier |
| Delinquency Rate ? |
0.05%
-83.1% YoY
-93.9% QoQ
|
-0.59% |
0.64%
+24.4% YoY
|
0.65%
+17.8% YoY
|
0.66%
+20.3% YoY
|
75% |
| Loan-to-Deposit Ratio ? |
52.24%
-7.1% YoY
-1.9% QoQ
|
-22.29% |
74.53%
+0.5% YoY
|
76.97%
-0.8% YoY
|
78.04%
+0.7% YoY
|
Top 15% in tier |
| Non-Interest-Bearing Deposit Share ? |
39.47%
-0.1% YoY
+6.5% QoQ
|
+17.08% |
22.39%
-1.3% YoY
|
21.89%
-2.6% YoY
|
21.79%
-1.3% YoY
|
Top 7% in tier |
| Nonperforming Asset Ratio ? |
0.02%
-84.3% YoY
-94.0% QoQ
|
-0.43% |
0.45%
+25.1% YoY
|
0.46%
+7.5% YoY
|
0.48%
+20.8% YoY
|
78% |
| Tier 1 Capital Ratio ? |
22.52%
+9.4% YoY
+6.7% QoQ
|
+13.67% |
8.85%
-3.4% YoY
|
11.33%
-0.2% YoY
|
9.75%
-1.9% YoY
|
Top 10% in tier |
| Non-Interest Income / Assets ? |
0.49%
+32.6% YoY
+12.2% QoQ
|
-0.07% |
0.56%
+0.3% YoY
|
0.50%
+4.9% YoY
|
0.65%
+0.6% YoY
|
68% |
Signature Analysis
Strengths (2)
Non-Interest-Bearing Deposit Share
metric
Top 7%
in Micro
Why this stands out
Current:
39.47%
(Tier avg: 22.39%, National avg: 21.79%)
Tier 1 Capital Ratio
metric
Top 10%
in Micro
Why this stands out
Current:
22.52%
(Tier avg: 8.85%, National avg: 9.75%)
Concerns (0)
No concerns identified
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
93
93th pctile
Non-Interest-Bearing Deposit Share
Current: 39.47% · Tier avg: 22.39%
90
90th pctile
Tier 1 Capital Ratio
Current: 22.52% · Tier avg: 8.85%
88
88th pctile
Efficiency Ratio
Current: 51.01% · Tier avg: 67.73%
86
86th pctile
Return on Assets
Current: 1.82% · Tier avg: 1.08%
85
85th pctile
Loan-to-Deposit Ratio
Current: 52.24% · Tier avg: 74.53%
78
78th pctile
Nonperforming Asset Ratio
Current: 0.02% · Tier avg: 0.45%
75
75th pctile
Delinquency Rate
Current: 0.05% · Tier avg: 0.64%
68
68th pctile
Non-Interest Income / Assets
Current: 0.49% · Tier avg: 0.56%
57
57th pctile
Net Interest Margin
Current: 3.97% · Tier avg: 3.85%
19
19th pctile
Total Deposits
Current: $73.4M · Tier avg: $183.7M
18
18th pctile
Total Assets
Current: $85.3M · Tier avg: $217.5M
14
14th pctile
Total Loans
Current: $38.4M · Tier avg: $139.2M
Top Weaknesses
14
14th pctile
Total Loans
Current: $38.4M · Tier avg: $139.2M
18
18th pctile
Total Assets
Current: $85.3M · Tier avg: $217.5M
19
19th pctile
Total Deposits
Current: $73.4M · Tier avg: $183.7M
57
57th pctile
Net Interest Margin
Current: 3.97% · Tier avg: 3.85%
68
68th pctile
Non-Interest Income / Assets
Current: 0.49% · Tier avg: 0.56%
75
75th pctile
Delinquency Rate
Current: 0.05% · Tier avg: 0.64%
78
78th pctile
Nonperforming Asset Ratio
Current: 0.02% · Tier avg: 0.45%
85
85th pctile
Loan-to-Deposit Ratio
Current: 52.24% · Tier avg: 74.53%
86
86th pctile
Return on Assets
Current: 1.82% · Tier avg: 1.08%
88
88th pctile
Efficiency Ratio
Current: 51.01% · Tier avg: 67.73%
90
90th pctile
Tier 1 Capital Ratio
Current: 22.52% · Tier avg: 8.85%
93
93th pctile
Non-Interest-Bearing Deposit Share
Current: 39.47% · Tier avg: 22.39%