BlastPoint's Banking Scorecard
The First National Bank of Proctor
Micro
Specialty: Mortgage
MN
FDIC cert 5232
Designations: ✓ Community bank
Proctor, MN
2498
banks in Micro tier nationally
179 in MN
View Micro leaderboard (MN) →
The First National Bank of Proctor has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Tier 1 Capital Ratio 16.06% above tier
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 30.89% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$34.5M
+7.4% YoY
+0.2% QoQ
|
-$183.0M |
$217.5M
+2.3% YoY
|
$508.2M
+6.2% YoY
|
$5.9B
+6.5% YoY
|
Bottom 4% in tier |
| Total Loans ? |
$13.8M
-8.0% YoY
-2.7% QoQ
|
-$125.4M |
$139.2M
+2.8% YoY
|
$283.0M
+6.2% YoY
|
$3.1B
+8.5% YoY
|
Bottom 4% in tier |
| Total Deposits ? |
$31.6M
+6.6% YoY
+0.1% QoQ
|
-$152.0M |
$183.7M
+1.8% YoY
|
$438.4M
+5.3% YoY
|
$4.7B
+6.3% YoY
|
Bottom 5% in tier |
| Return on Assets ? |
0.45%
+68.5% YoY
-25.5% QoQ
|
-0.64% |
1.08%
+14.7% YoY
|
1.11%
+14.5% YoY
|
1.12%
+15.6% YoY
|
17% |
| Net Interest Margin ? |
3.59%
+3.0% YoY
+0.1% QoQ
|
-0.27% |
3.85%
+6.6% YoY
|
3.81%
+8.2% YoY
|
3.75%
+7.1% YoY
|
38% |
| Efficiency Ratio ? |
82.79%
-7.9% YoY
+7.3% QoQ
|
+15.07% |
67.73%
-4.8% YoY
|
65.34%
-5.0% YoY
|
65.09%
-5.1% YoY
|
16% |
| Delinquency Rate ? |
0.04%
-34.8% YoY
-11.9% QoQ
|
-0.60% |
0.64%
+24.4% YoY
|
0.65%
+17.8% YoY
|
0.66%
+20.3% YoY
|
76% |
| Loan-to-Deposit Ratio ? |
43.64%
-13.7% YoY
-2.8% QoQ
|
-30.89% |
74.53%
+0.5% YoY
|
76.97%
-0.8% YoY
|
78.04%
+0.7% YoY
|
Bottom 8% in tier |
| Non-Interest-Bearing Deposit Share ? |
29.17%
-3.1% YoY
-3.0% QoQ
|
+6.78% |
22.39%
-1.3% YoY
|
21.89%
-2.6% YoY
|
21.79%
-1.3% YoY
|
77% |
| Nonperforming Asset Ratio ? |
0.02%
-44.1% YoY
-14.5% QoQ
|
-0.43% |
0.45%
+25.1% YoY
|
0.46%
+7.5% YoY
|
0.48%
+20.8% YoY
|
79% |
| Tier 1 Capital Ratio ? |
24.91%
+10.1% YoY
+1.0% QoQ
|
+16.06% |
8.85%
-3.4% YoY
|
11.33%
-0.2% YoY
|
9.75%
-1.9% YoY
|
Top 7% in tier |
| Non-Interest Income / Assets ? |
0.18%
-27.2% YoY
+26.8% QoQ
|
-0.39% |
0.56%
+0.3% YoY
|
0.50%
+4.9% YoY
|
0.65%
+0.6% YoY
|
19% |
Signature Analysis
Strengths (1)
Tier 1 Capital Ratio
metric
Top 7%
in Micro
Why this stands out
Current:
24.91%
(Tier avg: 8.85%, National avg: 9.75%)
Concerns (1)
Loan-to-Deposit Ratio
metric
Bottom 8%
in Micro
Why this stands out
Current:
43.64%
(Tier avg: 74.53%, National avg: 78.04%)
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
Tier 1 Capital Ratio
Current: 24.91% · Tier avg: 8.85%
79
79th pctile
Nonperforming Asset Ratio
Current: 0.02% · Tier avg: 0.45%
77
77th pctile
Non-Interest-Bearing Deposit Share
Current: 29.17% · Tier avg: 22.39%
76
76th pctile
Delinquency Rate
Current: 0.04% · Tier avg: 0.64%
38
38th pctile
Net Interest Margin
Current: 3.59% · Tier avg: 3.85%
19
19th pctile
Non-Interest Income / Assets
Current: 0.18% · Tier avg: 0.56%
17
17th pctile
Return on Assets
Current: 0.45% · Tier avg: 1.08%
16
16th pctile
Efficiency Ratio
Current: 82.79% · Tier avg: 67.73%
8
8th pctile
Loan-to-Deposit Ratio
Current: 43.64% · Tier avg: 74.53%
5
5th pctile
Total Deposits
Current: $31.6M · Tier avg: $183.7M
4
4th pctile
Total Loans
Current: $13.8M · Tier avg: $139.2M
4
4th pctile
Total Assets
Current: $34.5M · Tier avg: $217.5M
Top Weaknesses
4
4th pctile
Total Assets
Current: $34.5M · Tier avg: $217.5M
4
4th pctile
Total Loans
Current: $13.8M · Tier avg: $139.2M
5
5th pctile
Total Deposits
Current: $31.6M · Tier avg: $183.7M
8
8th pctile
Loan-to-Deposit Ratio
Current: 43.64% · Tier avg: 74.53%
16
16th pctile
Efficiency Ratio
Current: 82.79% · Tier avg: 67.73%
17
17th pctile
Return on Assets
Current: 0.45% · Tier avg: 1.08%
19
19th pctile
Non-Interest Income / Assets
Current: 0.18% · Tier avg: 0.56%
38
38th pctile
Net Interest Margin
Current: 3.59% · Tier avg: 3.85%
76
76th pctile
Delinquency Rate
Current: 0.04% · Tier avg: 0.64%
77
77th pctile
Non-Interest-Bearing Deposit Share
Current: 29.17% · Tier avg: 22.39%
79
79th pctile
Nonperforming Asset Ratio
Current: 0.02% · Tier avg: 0.45%
93
93th pctile
Tier 1 Capital Ratio
Current: 24.91% · Tier avg: 8.85%