BlastPoint's Banking Scorecard
Drake Bank
Micro
Specialty: Commercial
MN
FDIC cert 57336
Designations: ✓ Community bank
Saint Paul, MN
2498
banks in Micro tier nationally
179 in MN
View Micro leaderboard (MN) →
Drake Bank faces 2 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 2.18% above tier
- - Nonperforming Asset Ratio 3.53% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$255.8M
+1.1% YoY
-5.9% QoQ
|
+$38.3M |
$217.5M
+2.3% YoY
|
$508.2M
+6.2% YoY
|
$5.9B
+6.5% YoY
|
63% |
| Total Loans ? |
$197.6M
-6.3% YoY
-4.1% QoQ
|
+$58.4M |
$139.2M
+2.8% YoY
|
$283.0M
+6.2% YoY
|
$3.1B
+8.5% YoY
|
73% |
| Total Deposits ? |
$215.5M
+2.5% YoY
-7.0% QoQ
|
+$31.9M |
$183.7M
+1.8% YoY
|
$438.4M
+5.3% YoY
|
$4.7B
+6.3% YoY
|
63% |
| Return on Assets ? |
0.27%
-64.4% YoY
-71.1% QoQ
|
-0.82% |
1.08%
+14.7% YoY
|
1.11%
+14.5% YoY
|
1.12%
+15.6% YoY
|
Bottom 11% in tier |
| Net Interest Margin ? |
3.84%
-1.9% YoY
-1.5% QoQ
|
-0.01% |
3.85%
+6.6% YoY
|
3.81%
+8.2% YoY
|
3.75%
+7.1% YoY
|
52% |
| Efficiency Ratio ? |
68.04%
-11.8% YoY
+5.3% QoQ
|
+0.32% |
67.73%
-4.8% YoY
|
65.34%
-5.0% YoY
|
65.09%
-5.1% YoY
|
45% |
| Delinquency Rate ? |
2.82%
+31.8% YoY
-13.5% QoQ
|
+2.18% |
0.64%
+24.4% YoY
|
0.65%
+17.8% YoY
|
0.66%
+20.3% YoY
|
Bottom 8% in tier |
| Loan-to-Deposit Ratio ? |
91.68%
-8.6% YoY
+3.1% QoQ
|
+17.15% |
74.53%
+0.5% YoY
|
76.97%
-0.8% YoY
|
78.04%
+0.7% YoY
|
80% |
| Non-Interest-Bearing Deposit Share ? |
17.79%
-10.7% YoY
-6.9% QoQ
|
-4.60% |
22.39%
-1.3% YoY
|
21.89%
-2.6% YoY
|
21.79%
-1.3% YoY
|
33% |
| Nonperforming Asset Ratio ? |
3.99%
+123.8% YoY
+61.4% QoQ
|
+3.53% |
0.45%
+25.1% YoY
|
0.46%
+7.5% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? |
11.09%
+3.7% YoY
-1.0% QoQ
|
+2.24% |
8.85%
-3.4% YoY
|
11.33%
-0.2% YoY
|
9.75%
-1.9% YoY
|
55% |
| Non-Interest Income / Assets ? |
0.50%
+129.1% YoY
+30.6% QoQ
|
-0.07% |
0.56%
+0.3% YoY
|
0.50%
+4.9% YoY
|
0.65%
+0.6% YoY
|
69% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Delinquency Rate
metric
Bottom 8%
in Micro
Why this stands out
Current:
2.82%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
3.99%
(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
80
80th pctile
Loan-to-Deposit Ratio
Current: 91.68% · Tier avg: 74.53%
73
73th pctile
Total Loans
Current: $197.6M · Tier avg: $139.2M
69
69th pctile
Non-Interest Income / Assets
Current: 0.50% · Tier avg: 0.56%
63
63th pctile
Total Assets
Current: $255.8M · Tier avg: $217.5M
63
63th pctile
Total Deposits
Current: $215.5M · Tier avg: $183.7M
55
55th pctile
Tier 1 Capital Ratio
Current: 11.09% · Tier avg: 8.85%
52
52th pctile
Net Interest Margin
Current: 3.84% · Tier avg: 3.85%
45
45th pctile
Efficiency Ratio
Current: 68.04% · Tier avg: 67.73%
33
33th pctile
Non-Interest-Bearing Deposit Share
Current: 17.79% · Tier avg: 22.39%
11
11th pctile
Return on Assets
Current: 0.27% · Tier avg: 1.08%
8
8th pctile
Delinquency Rate
Current: 2.82% · Tier avg: 0.64%
0
0th pctile
Nonperforming Asset Ratio
Current: 3.99% · Tier avg: 0.45%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 3.99% · Tier avg: 0.45%
8
8th pctile
Delinquency Rate
Current: 2.82% · Tier avg: 0.64%
11
11th pctile
Return on Assets
Current: 0.27% · Tier avg: 1.08%
33
33th pctile
Non-Interest-Bearing Deposit Share
Current: 17.79% · Tier avg: 22.39%
45
45th pctile
Efficiency Ratio
Current: 68.04% · Tier avg: 67.73%
52
52th pctile
Net Interest Margin
Current: 3.84% · Tier avg: 3.85%
55
55th pctile
Tier 1 Capital Ratio
Current: 11.09% · Tier avg: 8.85%
63
63th pctile
Total Deposits
Current: $215.5M · Tier avg: $183.7M
63
63th pctile
Total Assets
Current: $255.8M · Tier avg: $217.5M
69
69th pctile
Non-Interest Income / Assets
Current: 0.50% · Tier avg: 0.56%
73
73th pctile
Total Loans
Current: $197.6M · Tier avg: $139.2M
80
80th pctile
Loan-to-Deposit Ratio
Current: 91.68% · Tier avg: 74.53%