BlastPoint's Banking Scorecard

Deerwood Bank

Community Specialty: Commercial MN FDIC cert 5123

Waite Park, MN

1484 banks in Community tier nationally 45 in MN

View Community leaderboard (MN) →

Deerwood Bank shows strong momentum with 1 strength and 21.1% YoY asset growth

Key Strengths

Areas where this bank excels compared to peers

+ Profitability Leader: Top 27% in Community

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 ?	$1.4B +21.1% YoY +4.3% QoQ	+$37.0M	$1.4B +2.0% YoY	$508.2M +6.2% YoY	$5.9B +6.5% YoY	67%
Total Loans ?	$928.3M +4.8% YoY +2.1% QoQ	-$47.1M	$975.5M +2.4% YoY	$283.0M +6.2% YoY	$3.1B +8.5% YoY	65%
Total Deposits ?	$1.3B +21.9% YoY +4.3% QoQ	+$130.3M	$1.2B +1.7% YoY	$438.4M +5.3% YoY	$4.7B +6.3% YoY	70%
Return on Assets ?	1.71% +37.5% YoY -4.0% QoQ	+0.54%	1.16% +17.2% YoY	1.11% +14.5% YoY	1.12% +15.6% YoY	84%
Net Interest Margin ?	4.47% +7.0% YoY -0.1% QoQ	+0.80%	3.66% +9.1% YoY	3.81% +8.2% YoY	3.75% +7.1% YoY	Top 14% in tier
Efficiency Ratio ?	58.83% -5.0% YoY +4.6% QoQ	-3.80%	62.63% -5.3% YoY	65.34% -5.0% YoY	65.09% -5.1% YoY	61%
Delinquency Rate ?	0.39% -61.1% YoY -2.1% QoQ	-0.24%	0.63% +18.3% YoY	0.65% +17.8% YoY	0.66% +20.3% YoY	54%
Loan-to-Deposit Ratio ?	71.69% -14.1% YoY -2.1% QoQ	-11.37%	83.06% +0.3% YoY	76.97% -0.8% YoY	78.04% +0.7% YoY	78%
Non-Interest-Bearing Deposit Share ?	22.10% -19.2% YoY -5.8% QoQ	+1.06%	21.05% -0.9% YoY	21.89% -2.6% YoY	21.79% -1.3% YoY	59%
Nonperforming Asset Ratio ?	0.47% -40.5% YoY -10.2% QoQ	-0.03%	0.50% +20.3% YoY	0.46% +7.5% YoY	0.48% +20.8% YoY	40%
Tier 1 Capital Ratio ?	10.95% -1.6% YoY -0.3% QoQ	+0.71%	10.24% -0.6% YoY	11.33% -0.2% YoY	9.75% -1.9% YoY	36%
Non-Interest Income / Assets ?	0.39% -12.0% YoY +28.1% QoQ	-0.35%	0.74% -1.3% YoY	0.50% +4.9% YoY	0.65% +0.6% YoY	34%

Signature Analysis

Strengths (1)

Profitability Leader

growth

#101 of 371 · Top 27% in Community

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 1.71%

(Tier: 1.16%, National: 1.12%)

better than tier avg

371 of 371 Community banks match · 444 nationally

→ Stable +5 banks QoQ | QoQ rank improving

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%

Compare against:

Comparing against 1484 peers in Community tier

Top Strengths

Net Interest Margin

Current: 4.47% · Tier avg: 3.66%

86th pctile

Return on Assets

Current: 1.71% · Tier avg: 1.16%

84th pctile

Loan-to-Deposit Ratio

Current: 71.69% · Tier avg: 83.06%

78th pctile

Total Deposits

Current: $1.3B · Tier avg: $1.2B

70th pctile

Total Assets

Current: $1.4B · Tier avg: $1.4B

67th pctile

Total Loans

Current: $928.3M · Tier avg: $975.5M

65th pctile

Efficiency Ratio

Current: 58.83% · Tier avg: 62.63%

61th pctile

Non-Interest-Bearing Deposit Share

Current: 22.10% · Tier avg: 21.05%

59th pctile

Delinquency Rate

Current: 0.39% · Tier avg: 0.63%

54th pctile

Nonperforming Asset Ratio

Current: 0.47% · Tier avg: 0.50%

40th pctile

Tier 1 Capital Ratio

Current: 10.95% · Tier avg: 10.24%

36th pctile

Non-Interest Income / Assets

Current: 0.39% · Tier avg: 0.74%

34th pctile

Top Weaknesses