BlastPoint's Banking Scorecard
The First National Bank of Coleraine
Micro
Specialty: Other
MN
FDIC cert 5117
Designations: ✓ Community bank
Coleraine, MN
2498
banks in Micro tier nationally
179 in MN
View Micro leaderboard (MN) →
The First National Bank of Coleraine has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Loan-to-Deposit Ratio 34.48% below tier
- + Nonperforming Asset Ratio 0.45% below tier
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.13% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$109.9M
+5.3% YoY
-1.4% QoQ
|
-$107.6M |
$217.5M
+2.3% YoY
|
$508.2M
+6.2% YoY
|
$5.9B
+6.5% YoY
|
25% |
| Total Loans ? |
$41.4M
+0.3% YoY
+0.2% QoQ
|
-$97.8M |
$139.2M
+2.8% YoY
|
$283.0M
+6.2% YoY
|
$3.1B
+8.5% YoY
|
16% |
| Total Deposits ? |
$103.3M
+4.0% YoY
-1.7% QoQ
|
-$80.4M |
$183.7M
+1.8% YoY
|
$438.4M
+5.3% YoY
|
$4.7B
+6.3% YoY
|
30% |
| Return on Assets ? |
0.45%
+75.2% YoY
+17.8% QoQ
|
-0.64% |
1.08%
+14.7% YoY
|
1.11%
+14.5% YoY
|
1.12%
+15.6% YoY
|
17% |
| Net Interest Margin ? |
2.73%
+12.0% YoY
+2.4% QoQ
|
-1.13% |
3.85%
+6.6% YoY
|
3.81%
+8.2% YoY
|
3.75%
+7.1% YoY
|
Bottom 9% in tier |
| Efficiency Ratio ? |
79.17%
-9.8% YoY
-3.3% QoQ
|
+11.44% |
67.73%
-4.8% YoY
|
65.34%
-5.0% YoY
|
65.09%
-5.1% YoY
|
22% |
| Delinquency Rate ? | 0.00% | -0.64% |
0.64%
+24.4% YoY
|
0.65%
+17.8% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
40.05%
-3.6% YoY
+2.0% QoQ
|
-34.48% |
74.53%
+0.5% YoY
|
76.97%
-0.8% YoY
|
78.04%
+0.7% YoY
|
Top 6% in tier |
| Non-Interest-Bearing Deposit Share ? |
17.33%
-2.3% YoY
-2.7% QoQ
|
-5.06% |
22.39%
-1.3% YoY
|
21.89%
-2.6% YoY
|
21.79%
-1.3% YoY
|
31% |
| Nonperforming Asset Ratio ? | 0.00% | -0.45% |
0.45%
+25.1% YoY
|
0.46%
+7.5% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
17.76%
+3.4% YoY
+1.1% QoQ
|
+8.91% |
8.85%
-3.4% YoY
|
11.33%
-0.2% YoY
|
9.75%
-1.9% YoY
|
81% |
| Non-Interest Income / Assets ? |
0.38%
+11.0% YoY
+72.2% QoQ
|
-0.18% |
0.56%
+0.3% YoY
|
0.50%
+4.9% YoY
|
0.65%
+0.6% YoY
|
54% |
Signature Analysis
Strengths (3)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Loan-to-Deposit Ratio
metric
Top 6%
in Micro
Why this stands out
Current:
40.05%
(Tier avg: 74.53%, National avg: 78.04%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Concerns (1)
Net Interest Margin
metric
Bottom 9%
in Micro
Why this stands out
Current:
2.73%
(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
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
94
94th pctile
Loan-to-Deposit Ratio
Current: 40.05% · Tier avg: 74.53%
81
81th pctile
Tier 1 Capital Ratio
Current: 17.76% · Tier avg: 8.85%
54
54th pctile
Non-Interest Income / Assets
Current: 0.38% · Tier avg: 0.56%
31
31th pctile
Non-Interest-Bearing Deposit Share
Current: 17.33% · Tier avg: 22.39%
30
30th pctile
Total Deposits
Current: $103.3M · Tier avg: $183.7M
25
25th pctile
Total Assets
Current: $109.9M · Tier avg: $217.5M
22
22th pctile
Efficiency Ratio
Current: 79.17% · Tier avg: 67.73%
17
17th pctile
Return on Assets
Current: 0.45% · Tier avg: 1.08%
16
16th pctile
Total Loans
Current: $41.4M · Tier avg: $139.2M
9
9th pctile
Net Interest Margin
Current: 2.73% · Tier avg: 3.85%
Top Weaknesses
9
9th pctile
Net Interest Margin
Current: 2.73% · Tier avg: 3.85%
16
16th pctile
Total Loans
Current: $41.4M · Tier avg: $139.2M
17
17th pctile
Return on Assets
Current: 0.45% · Tier avg: 1.08%
22
22th pctile
Efficiency Ratio
Current: 79.17% · Tier avg: 67.73%
25
25th pctile
Total Assets
Current: $109.9M · Tier avg: $217.5M
30
30th pctile
Total Deposits
Current: $103.3M · Tier avg: $183.7M
31
31th pctile
Non-Interest-Bearing Deposit Share
Current: 17.33% · Tier avg: 22.39%
54
54th pctile
Non-Interest Income / Assets
Current: 0.38% · Tier avg: 0.56%
81
81th pctile
Tier 1 Capital Ratio
Current: 17.76% · Tier avg: 8.85%
94
94th pctile
Loan-to-Deposit Ratio
Current: 40.05% · Tier avg: 74.53%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%