BlastPoint's Banking Scorecard
First National Bank North
Community
Specialty: Commercial
MN
FDIC cert 5269
Walker, MN
1484
banks in Community tier nationally
45 in MN
View Community leaderboard (MN) →
First National Bank North has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 11% in Community
- + Profitability Leader: Top 24% in Community
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 9% in Community
- - Liquidity Overhang: Bottom 44% in Community
- - Credit Risk Growth: Bottom 48% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$845.5M
+7.4% YoY
+2.3% QoQ
|
-$546.0M |
$1.4B
+2.0% YoY
|
$508.2M
+6.2% YoY
|
$5.9B
+6.5% YoY
|
39% |
| Total Loans ? |
$606.8M
+10.7% YoY
+2.6% QoQ
|
-$368.7M |
$975.5M
+2.4% YoY
|
$283.0M
+6.2% YoY
|
$3.1B
+8.5% YoY
|
42% |
| Total Deposits ? |
$745.6M
+6.8% YoY
+3.1% QoQ
|
-$419.0M |
$1.2B
+1.7% YoY
|
$438.4M
+5.3% YoY
|
$4.7B
+6.3% YoY
|
42% |
| Return on Assets ? |
2.50%
+7.3% YoY
+0.4% QoQ
|
+1.34% |
1.16%
+17.2% YoY
|
1.11%
+14.5% YoY
|
1.12%
+15.6% YoY
|
Top 3% in tier |
| Net Interest Margin ? |
4.57%
+4.3% YoY
+0.8% QoQ
|
+0.90% |
3.66%
+9.1% YoY
|
3.81%
+8.2% YoY
|
3.75%
+7.1% YoY
|
Top 11% in tier |
| Efficiency Ratio ? |
49.44%
-2.9% YoY
-0.3% QoQ
|
-13.19% |
62.63%
-5.3% YoY
|
65.34%
-5.0% YoY
|
65.09%
-5.1% YoY
|
85% |
| Delinquency Rate ? |
0.11%
+51.3% YoY
+10.6% QoQ
|
-0.51% |
0.63%
+18.3% YoY
|
0.65%
+17.8% YoY
|
0.66%
+20.3% YoY
|
80% |
| Loan-to-Deposit Ratio ? |
81.38%
+3.6% YoY
-0.4% QoQ
|
-1.68% |
83.06%
+0.3% YoY
|
76.97%
-0.8% YoY
|
78.04%
+0.7% YoY
|
41% |
| Non-Interest-Bearing Deposit Share ? |
18.67%
-0.2% YoY
-2.6% QoQ
|
-2.38% |
21.05%
-0.9% YoY
|
21.89%
-2.6% YoY
|
21.79%
-1.3% YoY
|
42% |
| Nonperforming Asset Ratio ? |
0.08%
-1.8% YoY
+11.0% QoQ
|
-0.42% |
0.50%
+20.3% YoY
|
0.46%
+7.5% YoY
|
0.48%
+20.8% YoY
|
81% |
| Tier 1 Capital Ratio ? |
17.89%
+0.6% YoY
-3.5% QoQ
|
+7.65% |
10.24%
-0.6% YoY
|
11.33%
-0.2% YoY
|
9.75%
-1.9% YoY
|
Top 12% in tier |
| Non-Interest Income / Assets ? |
0.70%
+4.2% YoY
+29.8% QoQ
|
-0.04% |
0.74%
-1.3% YoY
|
0.50%
+4.9% YoY
|
0.65%
+0.6% YoY
|
70% |
Signature Analysis
Strengths (2)
Credit Quality Leader
growth
#43 of 371 · Top 11% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.11%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
|
QoQ rank declining
Profitability Leader
growth
#89 of 371 · Top 24% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
2.50%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank declining
Concerns (3)
Credit Quality Pressure
risk
#73 of 808 · Bottom 9% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.11%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
|
QoQ rank declining
Liquidity Overhang
risk
#119 of 268 · Bottom 44% in Community
Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Why this signature
Tier 1 Risk-Based Capital Ratio:
17.89%
(Tier: 10.24%, National: 9.75%)
Loan-to-Deposit Ratio:
81.38%
(Tier: 83.06%, National: 78.04%)
268 of 268 Community banks match
·
314 nationally
→ Stable
+6 banks QoQ
|
QoQ rank declining
Credit Risk Growth
risk
#310 of 642 · Bottom 48% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank declining
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
Return on Assets
Current: 2.50% · Tier avg: 1.16%
89
89th pctile
Net Interest Margin
Current: 4.57% · Tier avg: 3.66%
88
88th pctile
Tier 1 Capital Ratio
Current: 17.89% · Tier avg: 10.24%
85
85th pctile
Efficiency Ratio
Current: 49.44% · Tier avg: 62.63%
81
81th pctile
Nonperforming Asset Ratio
Current: 0.08% · Tier avg: 0.50%
80
80th pctile
Delinquency Rate
Current: 0.11% · Tier avg: 0.63%
70
70th pctile
Non-Interest Income / Assets
Current: 0.70% · Tier avg: 0.74%
42
42th pctile
Non-Interest-Bearing Deposit Share
Current: 18.67% · Tier avg: 21.05%
42
42th pctile
Total Deposits
Current: $745.6M · Tier avg: $1.2B
42
42th pctile
Total Loans
Current: $606.8M · Tier avg: $975.5M
41
41th pctile
Loan-to-Deposit Ratio
Current: 81.38% · Tier avg: 83.06%
39
39th pctile
Total Assets
Current: $845.5M · Tier avg: $1.4B
Top Weaknesses
39
39th pctile
Total Assets
Current: $845.5M · Tier avg: $1.4B
41
41th pctile
Loan-to-Deposit Ratio
Current: 81.38% · Tier avg: 83.06%
42
42th pctile
Total Loans
Current: $606.8M · Tier avg: $975.5M
42
42th pctile
Total Deposits
Current: $745.6M · Tier avg: $1.2B
42
42th pctile
Non-Interest-Bearing Deposit Share
Current: 18.67% · Tier avg: 21.05%
70
70th pctile
Non-Interest Income / Assets
Current: 0.70% · Tier avg: 0.74%
80
80th pctile
Delinquency Rate
Current: 0.11% · Tier avg: 0.63%
81
81th pctile
Nonperforming Asset Ratio
Current: 0.08% · Tier avg: 0.50%
85
85th pctile
Efficiency Ratio
Current: 49.44% · Tier avg: 62.63%
88
88th pctile
Tier 1 Capital Ratio
Current: 17.89% · Tier avg: 10.24%
89
89th pctile
Net Interest Margin
Current: 4.57% · Tier avg: 3.66%
97
97th pctile
Return on Assets
Current: 2.50% · Tier avg: 1.16%