BlastPoint's Banking Scorecard
Ameriprise Bank, FSB
Large
Specialty: Mortgage
MN
FDIC cert 58303
Minneapolis, MN
69
banks in Large tier nationally
1 in MN
View Large leaderboard (MN) →
Ameriprise Bank, FSB has 4 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 41% in Large
- + Delinquency Rate 0.71% below tier
- + Nonperforming Asset Ratio 0.54% below tier
- + Tier 1 Capital Ratio 19.30% above tier
Key Concerns
Areas that may need attention
- - Non-Interest-Bearing Deposit Share 19.97% below tier
- - Non-Interest Income / Assets 1.02% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$25.3B
+7.2% YoY
+4.2% QoQ
|
-$49.6B |
$74.9B
-4.4% YoY
|
$508.2M
+6.2% YoY
|
$5.9B
+6.5% YoY
|
Bottom 1% in tier |
| Total Loans ? |
$1.9B
+46.7% YoY
+11.8% QoQ
|
-$44.5B |
$46.4B
-2.1% YoY
|
$283.0M
+6.2% YoY
|
$3.1B
+8.5% YoY
|
Bottom 1% in tier |
| Total Deposits ? |
$23.7B
+6.1% YoY
+4.7% QoQ
|
-$36.8B |
$60.5B
-4.5% YoY
|
$438.4M
+5.3% YoY
|
$4.7B
+6.3% YoY
|
16% |
| Return on Assets ? |
3.08%
-2.2% YoY
-0.6% QoQ
|
+1.88% |
1.19%
+17.8% YoY
|
1.11%
+14.5% YoY
|
1.12%
+15.6% YoY
|
Top 1% in tier |
| Net Interest Margin ? |
4.46%
-2.7% YoY
-0.4% QoQ
|
+1.00% |
3.46%
+13.1% YoY
|
3.81%
+8.2% YoY
|
3.75%
+7.1% YoY
|
Top 13% in tier |
| Efficiency Ratio ? |
9.87%
+4.0% YoY
+1.2% QoQ
|
-45.16% |
55.03%
-2.8% YoY
|
65.34%
-5.0% YoY
|
65.09%
-5.1% YoY
|
- |
| Delinquency Rate ? |
0.17%
-12.2% YoY
+9.9% QoQ
|
-0.71% |
0.88%
-0.3% YoY
|
0.65%
+17.8% YoY
|
0.66%
+20.3% YoY
|
Top 6% in tier |
| Loan-to-Deposit Ratio ? |
8.16%
+38.3% YoY
+6.7% QoQ
|
-73.56% |
81.72%
+3.9% YoY
|
76.97%
-0.8% YoY
|
78.04%
+0.7% YoY
|
- |
| Non-Interest-Bearing Deposit Share ? |
0.00%
+29.6% YoY
-22.2% QoQ
|
-19.97% |
19.97%
+0.5% YoY
|
21.89%
-2.6% YoY
|
21.79%
-1.3% YoY
|
Bottom 3% in tier |
| Nonperforming Asset Ratio ? |
0.01%
+20.1% YoY
+17.9% QoQ
|
-0.54% |
0.55%
+9.0% YoY
|
0.46%
+7.5% YoY
|
0.48%
+20.8% YoY
|
Top 3% in tier |
| Tier 1 Capital Ratio ? |
32.63%
-3.7% YoY
-7.5% QoQ
|
+19.30% |
13.33%
-0.7% YoY
|
11.33%
-0.2% YoY
|
9.75%
-1.9% YoY
|
Top 1% in tier |
| Non-Interest Income / Assets ? |
0.07%
-19.2% YoY
+33.1% QoQ
|
-1.02% |
1.09%
+2.4% YoY
|
0.50%
+4.9% YoY
|
0.65%
+0.6% YoY
|
Bottom 3% in tier |
Signature Analysis
Strengths (4)
Profitability Leader
growth
#8 of 18 · Top 41% in Large
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
3.08%
(Tier: 1.19%, National: 1.12%)
18 of 18 Large banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank improving
Delinquency Rate
metric
Top 6%
in Large
Why this stands out
Current:
0.17%
(Tier avg: 0.88%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 3%
in Large
Why this stands out
Current:
0.01%
(Tier avg: 0.55%, National avg: 0.48%)
Tier 1 Capital Ratio
metric
Top 1%
in Large
Why this stands out
Current:
32.63%
(Tier avg: 13.33%, National avg: 9.75%)
Concerns (2)
Non-Interest-Bearing Deposit Share
metric
Bottom 3%
in Large
Why this stands out
Current:
0.00%
(Tier avg: 19.97%, National avg: 21.79%)
Non-Interest Income / Assets
metric
Bottom 3%
in Large
Why this stands out
Current:
0.07%
(Tier avg: 1.09%, National avg: 0.65%)
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
100
100th pctile
Return on Assets
Current: 3.08% · Tier avg: 1.19%
100
100th pctile
Tier 1 Capital Ratio
Current: 32.63% · Tier avg: 13.33%
97
97th pctile
Nonperforming Asset Ratio
Current: 0.01% · Tier avg: 0.55%
94
94th pctile
Delinquency Rate
Current: 0.17% · Tier avg: 0.88%
87
87th pctile
Net Interest Margin
Current: 4.46% · Tier avg: 3.46%
16
16th pctile
Total Deposits
Current: $23.7B · Tier avg: $60.5B
3
3th pctile
Non-Interest-Bearing Deposit Share
Current: 0.00% · Tier avg: 19.97%
3
3th pctile
Non-Interest Income / Assets
Current: 0.07% · Tier avg: 1.09%
1
1th pctile
Total Assets
Current: $25.3B · Tier avg: $74.9B
1
1th pctile
Total Loans
Current: $1.9B · Tier avg: $46.4B
Top Weaknesses
1
1th pctile
Total Loans
Current: $1.9B · Tier avg: $46.4B
1
1th pctile
Total Assets
Current: $25.3B · Tier avg: $74.9B
3
3th pctile
Non-Interest Income / Assets
Current: 0.07% · Tier avg: 1.09%
3
3th pctile
Non-Interest-Bearing Deposit Share
Current: 0.00% · Tier avg: 19.97%
16
16th pctile
Total Deposits
Current: $23.7B · Tier avg: $60.5B
87
87th pctile
Net Interest Margin
Current: 4.46% · Tier avg: 3.46%
94
94th pctile
Delinquency Rate
Current: 0.17% · Tier avg: 0.88%
97
97th pctile
Nonperforming Asset Ratio
Current: 0.01% · Tier avg: 0.55%
100
100th pctile
Tier 1 Capital Ratio
Current: 32.63% · Tier avg: 13.33%
100
100th pctile
Return on Assets
Current: 3.08% · Tier avg: 1.19%