BlastPoint's Banking Scorecard
Foresight Bank
Micro
Specialty: Other
MN
FDIC cert 5229
Designations: ✓ Community bank
Plainview, MN
2498
banks in Micro tier nationally
179 in MN
View Micro leaderboard (MN) →
Foresight Bank faces 3 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Delinquency Rate 2.41% above tier
- - Non-Interest-Bearing Deposit Share 15.28% below tier
- - Nonperforming Asset Ratio 1.98% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$422.7M
+3.2% YoY
-1.5% QoQ
|
+$205.2M |
$217.5M
+2.3% YoY
|
$508.2M
+6.2% YoY
|
$5.9B
+6.5% YoY
|
Top 9% in tier |
| Total Loans ? |
$336.8M
+2.8% YoY
+2.1% QoQ
|
+$197.6M |
$139.2M
+2.8% YoY
|
$283.0M
+6.2% YoY
|
$3.1B
+8.5% YoY
|
Top 3% in tier |
| Total Deposits ? |
$352.7M
+3.2% YoY
-3.6% QoQ
|
+$169.0M |
$183.7M
+1.8% YoY
|
$438.4M
+5.3% YoY
|
$4.7B
+6.3% YoY
|
Top 10% in tier |
| Return on Assets ? |
1.13%
+19.1% YoY
+3.5% QoQ
|
+0.05% |
1.08%
+14.7% YoY
|
1.11%
+14.5% YoY
|
1.12%
+15.6% YoY
|
55% |
| Net Interest Margin ? |
3.26%
+11.0% YoY
+2.2% QoQ
|
-0.59% |
3.85%
+6.6% YoY
|
3.81%
+8.2% YoY
|
3.75%
+7.1% YoY
|
24% |
| Efficiency Ratio ? |
58.45%
-10.7% YoY
-2.7% QoQ
|
-9.28% |
67.73%
-4.8% YoY
|
65.34%
-5.0% YoY
|
65.09%
-5.1% YoY
|
72% |
| Delinquency Rate ? |
3.05%
+150.5% YoY
+39.4% QoQ
|
+2.41% |
0.64%
+24.4% YoY
|
0.65%
+17.8% YoY
|
0.66%
+20.3% YoY
|
Bottom 7% in tier |
| Loan-to-Deposit Ratio ? |
95.49%
-0.4% YoY
+5.9% QoQ
|
+20.97% |
74.53%
+0.5% YoY
|
76.97%
-0.8% YoY
|
78.04%
+0.7% YoY
|
Top 14% in tier |
| Non-Interest-Bearing Deposit Share ? |
7.11%
-15.7% YoY
+28.8% QoQ
|
-15.28% |
22.39%
-1.3% YoY
|
21.89%
-2.6% YoY
|
21.79%
-1.3% YoY
|
Bottom 7% in tier |
| Nonperforming Asset Ratio ? |
2.43%
+149.6% YoY
+44.5% QoQ
|
+1.98% |
0.45%
+25.1% YoY
|
0.46%
+7.5% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? |
13.54%
+0.4% YoY
-1.4% QoQ
|
+4.69% |
8.85%
-3.4% YoY
|
11.33%
-0.2% YoY
|
9.75%
-1.9% YoY
|
66% |
| Non-Interest Income / Assets ? |
0.27%
+7.4% YoY
+36.8% QoQ
|
-0.29% |
0.56%
+0.3% YoY
|
0.50%
+4.9% YoY
|
0.65%
+0.6% YoY
|
35% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (3)
Delinquency Rate
metric
Bottom 7%
in Micro
Why this stands out
Current:
3.05%
(Tier avg: 0.64%, National avg: 0.66%)
Non-Interest-Bearing Deposit Share
metric
Bottom 7%
in Micro
Why this stands out
Current:
7.11%
(Tier avg: 22.39%, National avg: 21.79%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
2.43%
(Tier avg: 0.45%, National avg: 0.48%)
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
97
97th pctile
Total Loans
Current: $336.8M · Tier avg: $139.2M
91
91th pctile
Total Assets
Current: $422.7M · Tier avg: $217.5M
90
90th pctile
Total Deposits
Current: $352.7M · Tier avg: $183.7M
86
86th pctile
Loan-to-Deposit Ratio
Current: 95.49% · Tier avg: 74.53%
72
72th pctile
Efficiency Ratio
Current: 58.45% · Tier avg: 67.73%
66
66th pctile
Tier 1 Capital Ratio
Current: 13.54% · Tier avg: 8.85%
55
55th pctile
Return on Assets
Current: 1.13% · Tier avg: 1.08%
35
35th pctile
Non-Interest Income / Assets
Current: 0.27% · Tier avg: 0.56%
24
24th pctile
Net Interest Margin
Current: 3.26% · Tier avg: 3.85%
7
7th pctile
Non-Interest-Bearing Deposit Share
Current: 7.11% · Tier avg: 22.39%
7
7th pctile
Delinquency Rate
Current: 3.05% · Tier avg: 0.64%
0
0th pctile
Nonperforming Asset Ratio
Current: 2.43% · Tier avg: 0.45%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 2.43% · Tier avg: 0.45%
7
7th pctile
Delinquency Rate
Current: 3.05% · Tier avg: 0.64%
7
7th pctile
Non-Interest-Bearing Deposit Share
Current: 7.11% · Tier avg: 22.39%
24
24th pctile
Net Interest Margin
Current: 3.26% · Tier avg: 3.85%
35
35th pctile
Non-Interest Income / Assets
Current: 0.27% · Tier avg: 0.56%
55
55th pctile
Return on Assets
Current: 1.13% · Tier avg: 1.08%
66
66th pctile
Tier 1 Capital Ratio
Current: 13.54% · Tier avg: 8.85%
72
72th pctile
Efficiency Ratio
Current: 58.45% · Tier avg: 67.73%
86
86th pctile
Loan-to-Deposit Ratio
Current: 95.49% · Tier avg: 74.53%
90
90th pctile
Total Deposits
Current: $352.7M · Tier avg: $183.7M
91
91th pctile
Total Assets
Current: $422.7M · Tier avg: $217.5M
97
97th pctile
Total Loans
Current: $336.8M · Tier avg: $139.2M