BlastPoint's Banking Scorecard
The First National Bank of Gilbert
Micro
Specialty: Mortgage
MN
FDIC cert 5150
Designations: ✓ Community bank
Gilbert, MN
2498
banks in Micro tier nationally
179 in MN
View Micro leaderboard (MN) →
The First National Bank of Gilbert demonstrates 2 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% below 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 ? |
$85.2M
+2.9% YoY
+3.2% QoQ
|
-$132.3M |
$217.5M
+2.3% YoY
|
$508.2M
+6.2% YoY
|
$5.9B
+6.5% YoY
|
18% |
| Total Loans ? |
$67.7M
+9.0% YoY
+2.1% QoQ
|
-$71.5M |
$139.2M
+2.8% YoY
|
$283.0M
+6.2% YoY
|
$3.1B
+8.5% YoY
|
28% |
| Total Deposits ? |
$73.3M
+2.9% YoY
+3.7% QoQ
|
-$110.4M |
$183.7M
+1.8% YoY
|
$438.4M
+5.3% YoY
|
$4.7B
+6.3% YoY
|
19% |
| Return on Assets ? |
0.61%
+30.6% YoY
+4.8% QoQ
|
-0.48% |
1.08%
+14.7% YoY
|
1.11%
+14.5% YoY
|
1.12%
+15.6% YoY
|
23% |
| Net Interest Margin ? |
3.55%
+21.5% YoY
+2.6% QoQ
|
-0.31% |
3.85%
+6.6% YoY
|
3.81%
+8.2% YoY
|
3.75%
+7.1% YoY
|
36% |
| Efficiency Ratio ? |
74.22%
-5.3% YoY
-1.0% QoQ
|
+6.50% |
67.73%
-4.8% YoY
|
65.34%
-5.0% YoY
|
65.09%
-5.1% YoY
|
30% |
| 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 ? |
92.38%
+5.9% YoY
-1.5% QoQ
|
+17.86% |
74.53%
+0.5% YoY
|
76.97%
-0.8% YoY
|
78.04%
+0.7% YoY
|
18% |
| Non-Interest-Bearing Deposit Share ? |
14.58%
+5.1% YoY
-1.0% QoQ
|
-7.81% |
22.39%
-1.3% YoY
|
21.89%
-2.6% YoY
|
21.79%
-1.3% YoY
|
22% |
| 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 ? |
12.70%
-3.5% YoY
-2.1% QoQ
|
+3.85% |
8.85%
-3.4% YoY
|
11.33%
-0.2% YoY
|
9.75%
-1.9% YoY
|
62% |
| Non-Interest Income / Assets ? |
0.16%
-8.8% YoY
+32.0% QoQ
|
-0.40% |
0.56%
+0.3% YoY
|
0.50%
+4.9% YoY
|
0.65%
+0.6% YoY
|
17% |
Signature Analysis
Strengths (2)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
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
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%
62
62th pctile
Tier 1 Capital Ratio
Current: 12.70% · Tier avg: 8.85%
36
36th pctile
Net Interest Margin
Current: 3.55% · Tier avg: 3.85%
30
30th pctile
Efficiency Ratio
Current: 74.22% · Tier avg: 67.73%
28
28th pctile
Total Loans
Current: $67.7M · Tier avg: $139.2M
23
23th pctile
Return on Assets
Current: 0.61% · Tier avg: 1.08%
22
22th pctile
Non-Interest-Bearing Deposit Share
Current: 14.58% · Tier avg: 22.39%
19
19th pctile
Total Deposits
Current: $73.3M · Tier avg: $183.7M
18
18th pctile
Loan-to-Deposit Ratio
Current: 92.38% · Tier avg: 74.53%
18
18th pctile
Total Assets
Current: $85.2M · Tier avg: $217.5M
17
17th pctile
Non-Interest Income / Assets
Current: 0.16% · Tier avg: 0.56%
Top Weaknesses
17
17th pctile
Non-Interest Income / Assets
Current: 0.16% · Tier avg: 0.56%
18
18th pctile
Total Assets
Current: $85.2M · Tier avg: $217.5M
18
18th pctile
Loan-to-Deposit Ratio
Current: 92.38% · Tier avg: 74.53%
19
19th pctile
Total Deposits
Current: $73.3M · Tier avg: $183.7M
22
22th pctile
Non-Interest-Bearing Deposit Share
Current: 14.58% · Tier avg: 22.39%
23
23th pctile
Return on Assets
Current: 0.61% · Tier avg: 1.08%
28
28th pctile
Total Loans
Current: $67.7M · Tier avg: $139.2M
30
30th pctile
Efficiency Ratio
Current: 74.22% · Tier avg: 67.73%
36
36th pctile
Net Interest Margin
Current: 3.55% · Tier avg: 3.85%
62
62th pctile
Tier 1 Capital Ratio
Current: 12.70% · Tier avg: 8.85%
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%