BlastPoint's Banking Scorecard
Falcon National Bank
Community
Specialty: Commercial
MN
FDIC cert 57603
Foley, MN
1484
banks in Community tier nationally
45 in MN
View Community leaderboard (MN) →
Falcon National 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
- - Liquidity Strain: Bottom 1% in Community
- - Capital Thin: Bottom 2% in Community
- - Deposit Outflow: Bottom 38% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$920.9M
-5.9% YoY
-0.3% QoQ
|
-$470.5M |
$1.4B
+2.0% YoY
|
$508.2M
+6.2% YoY
|
$5.9B
+6.5% YoY
|
44% |
| Total Loans ? |
$741.7M
-3.5% YoY
-0.7% QoQ
|
-$233.7M |
$975.5M
+2.4% YoY
|
$283.0M
+6.2% YoY
|
$3.1B
+8.5% YoY
|
53% |
| Total Deposits ? |
$820.5M
-7.6% YoY
+0.7% QoQ
|
-$344.1M |
$1.2B
+1.7% YoY
|
$438.4M
+5.3% YoY
|
$4.7B
+6.3% YoY
|
48% |
| Return on Assets ? |
0.88%
+77.5% YoY
-1.7% QoQ
|
-0.28% |
1.16%
+17.2% YoY
|
1.11%
+14.5% YoY
|
1.12%
+15.6% YoY
|
30% |
| Net Interest Margin ? |
4.25%
+21.2% YoY
+0.6% QoQ
|
+0.58% |
3.66%
+9.1% YoY
|
3.81%
+8.2% YoY
|
3.75%
+7.1% YoY
|
79% |
| Efficiency Ratio ? |
63.75%
-15.2% YoY
+1.0% QoQ
|
+1.12% |
62.63%
-5.3% YoY
|
65.34%
-5.0% YoY
|
65.09%
-5.1% YoY
|
45% |
| Delinquency Rate ? |
1.50%
+41.7% YoY
+18.9% QoQ
|
+0.87% |
0.63%
+18.3% YoY
|
0.65%
+17.8% YoY
|
0.66%
+20.3% YoY
|
16% |
| Loan-to-Deposit Ratio ? |
90.40%
+4.4% YoY
-1.4% QoQ
|
+7.34% |
83.06%
+0.3% YoY
|
76.97%
-0.8% YoY
|
78.04%
+0.7% YoY
|
34% |
| Non-Interest-Bearing Deposit Share ? |
15.50%
+10.0% YoY
-9.9% QoQ
|
-5.55% |
21.05%
-0.9% YoY
|
21.89%
-2.6% YoY
|
21.79%
-1.3% YoY
|
28% |
| Nonperforming Asset Ratio ? |
1.21%
+37.8% YoY
+15.7% QoQ
|
+0.71% |
0.50%
+20.3% YoY
|
0.46%
+7.5% YoY
|
0.48%
+20.8% YoY
|
15% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
11.33%
-0.2% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.21%
-29.0% YoY
+23.5% QoQ
|
-0.53% |
0.74%
-1.3% YoY
|
0.50%
+4.9% YoY
|
0.65%
+0.6% YoY
|
Bottom 12% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (3)
Liquidity Strain
risk
#8 of 513 · Bottom 1% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
90.40%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank improving
Capital Thin
risk
#11 of 432 · Bottom 2% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank improving
Deposit Outflow
decline
#95 of 248 · Bottom 38% in Community
Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
248 of 248 Community banks match
·
294 nationally
↑ Growing
+37 banks QoQ
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
79
79th pctile
Net Interest Margin
Current: 4.25% · Tier avg: 3.66%
53
53th pctile
Total Loans
Current: $741.7M · Tier avg: $975.5M
48
48th pctile
Total Deposits
Current: $820.5M · Tier avg: $1.2B
45
45th pctile
Efficiency Ratio
Current: 63.75% · Tier avg: 62.63%
44
44th pctile
Total Assets
Current: $920.9M · Tier avg: $1.4B
34
34th pctile
Loan-to-Deposit Ratio
Current: 90.40% · Tier avg: 83.06%
30
30th pctile
Return on Assets
Current: 0.88% · Tier avg: 1.16%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
28
28th pctile
Non-Interest-Bearing Deposit Share
Current: 15.50% · Tier avg: 21.05%
16
16th pctile
Delinquency Rate
Current: 1.50% · Tier avg: 0.63%
15
15th pctile
Nonperforming Asset Ratio
Current: 1.21% · Tier avg: 0.50%
12
12th pctile
Non-Interest Income / Assets
Current: 0.21% · Tier avg: 0.74%
Top Weaknesses
12
12th pctile
Non-Interest Income / Assets
Current: 0.21% · Tier avg: 0.74%
15
15th pctile
Nonperforming Asset Ratio
Current: 1.21% · Tier avg: 0.50%
16
16th pctile
Delinquency Rate
Current: 1.50% · Tier avg: 0.63%
28
28th pctile
Non-Interest-Bearing Deposit Share
Current: 15.50% · Tier avg: 21.05%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
30
30th pctile
Return on Assets
Current: 0.88% · Tier avg: 1.16%
34
34th pctile
Loan-to-Deposit Ratio
Current: 90.40% · Tier avg: 83.06%
44
44th pctile
Total Assets
Current: $920.9M · Tier avg: $1.4B
45
45th pctile
Efficiency Ratio
Current: 63.75% · Tier avg: 62.63%
48
48th pctile
Total Deposits
Current: $820.5M · Tier avg: $1.2B
53
53th pctile
Total Loans
Current: $741.7M · Tier avg: $975.5M
79
79th pctile
Net Interest Margin
Current: 4.25% · Tier avg: 3.66%