BlastPoint's Banking Scorecard
The First State Bank of Red Wing
Micro
Specialty: Other
MN
FDIC cert 8191
Designations: ✓ Community bank
Red Wing, MN
2498
banks in Micro tier nationally
179 in MN
View Micro leaderboard (MN) →
The First State Bank of Red Wing faces 4 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Return on Assets 0.90% below tier
- - Net Interest Margin 1.29% below tier
- - Efficiency Ratio 25.25% above tier
- - Loan-to-Deposit Ratio 32.18% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$85.8M
+6.4% YoY
+1.4% QoQ
|
-$131.7M |
$217.5M
+2.3% YoY
|
$508.2M
+6.2% YoY
|
$5.9B
+6.5% YoY
|
18% |
| Total Loans ? |
$34.9M
+7.1% YoY
-1.7% QoQ
|
-$104.3M |
$139.2M
+2.8% YoY
|
$283.0M
+6.2% YoY
|
$3.1B
+8.5% YoY
|
Bottom 13% in tier |
| Total Deposits ? |
$82.4M
+3.5% YoY
+1.0% QoQ
|
-$101.3M |
$183.7M
+1.8% YoY
|
$438.4M
+5.3% YoY
|
$4.7B
+6.3% YoY
|
22% |
| Return on Assets ? |
0.18%
+116.0% YoY
+34.0% QoQ
|
-0.90% |
1.08%
+14.7% YoY
|
1.11%
+14.5% YoY
|
1.12%
+15.6% YoY
|
Bottom 10% in tier |
| Net Interest Margin ? |
2.57%
+11.6% YoY
+2.0% QoQ
|
-1.29% |
3.85%
+6.6% YoY
|
3.81%
+8.2% YoY
|
3.75%
+7.1% YoY
|
Bottom 6% in tier |
| Efficiency Ratio ? |
92.98%
-3.4% YoY
-1.8% QoQ
|
+25.25% |
67.73%
-4.8% YoY
|
65.34%
-5.0% YoY
|
65.09%
-5.1% YoY
|
Bottom 8% in tier |
| Delinquency Rate ? |
1.06%
-6.6% YoY
+1.8% QoQ
|
+0.42% |
0.64%
+24.4% YoY
|
0.65%
+17.8% YoY
|
0.66%
+20.3% YoY
|
27% |
| Loan-to-Deposit Ratio ? |
42.34%
+3.5% YoY
-2.7% QoQ
|
-32.18% |
74.53%
+0.5% YoY
|
76.97%
-0.8% YoY
|
78.04%
+0.7% YoY
|
Bottom 8% in tier |
| Non-Interest-Bearing Deposit Share ? |
19.56%
+16.8% YoY
+3.1% QoQ
|
-2.84% |
22.39%
-1.3% YoY
|
21.89%
-2.6% YoY
|
21.79%
-1.3% YoY
|
41% |
| Nonperforming Asset Ratio ? |
0.43%
-6.1% YoY
-1.4% QoQ
|
-0.02% |
0.45%
+25.1% YoY
|
0.46%
+7.5% YoY
|
0.48%
+20.8% YoY
|
41% |
| Tier 1 Capital Ratio ? |
20.60%
-2.0% YoY
+1.8% QoQ
|
+11.75% |
8.85%
-3.4% YoY
|
11.33%
-0.2% YoY
|
9.75%
-1.9% YoY
|
Top 13% in tier |
| Non-Interest Income / Assets ? |
0.15%
-16.8% YoY
+26.6% QoQ
|
-0.41% |
0.56%
+0.3% YoY
|
0.50%
+4.9% YoY
|
0.65%
+0.6% YoY
|
15% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (4)
Return on Assets
metric
Bottom 10%
in Micro
Why this stands out
Current:
0.18%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 6%
in Micro
Why this stands out
Current:
2.57%
(Tier avg: 3.85%, National avg: 3.75%)
Efficiency Ratio
metric
Bottom 8%
in Micro
Why this stands out
Current:
92.98%
(Tier avg: 67.73%, National avg: 65.09%)
Loan-to-Deposit Ratio
metric
Bottom 8%
in Micro
Why this stands out
Current:
42.34%
(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
87
87th pctile
Tier 1 Capital Ratio
Current: 20.60% · Tier avg: 8.85%
41
41th pctile
Nonperforming Asset Ratio
Current: 0.43% · Tier avg: 0.45%
41
41th pctile
Non-Interest-Bearing Deposit Share
Current: 19.56% · Tier avg: 22.39%
27
27th pctile
Delinquency Rate
Current: 1.06% · Tier avg: 0.64%
22
22th pctile
Total Deposits
Current: $82.4M · Tier avg: $183.7M
18
18th pctile
Total Assets
Current: $85.8M · Tier avg: $217.5M
15
15th pctile
Non-Interest Income / Assets
Current: 0.15% · Tier avg: 0.56%
13
13th pctile
Total Loans
Current: $34.9M · Tier avg: $139.2M
10
10th pctile
Return on Assets
Current: 0.18% · Tier avg: 1.08%
8
8th pctile
Loan-to-Deposit Ratio
Current: 42.34% · Tier avg: 74.53%
8
8th pctile
Efficiency Ratio
Current: 92.98% · Tier avg: 67.73%
6
6th pctile
Net Interest Margin
Current: 2.57% · Tier avg: 3.85%
Top Weaknesses
6
6th pctile
Net Interest Margin
Current: 2.57% · Tier avg: 3.85%
8
8th pctile
Efficiency Ratio
Current: 92.98% · Tier avg: 67.73%
8
8th pctile
Loan-to-Deposit Ratio
Current: 42.34% · Tier avg: 74.53%
10
10th pctile
Return on Assets
Current: 0.18% · Tier avg: 1.08%
13
13th pctile
Total Loans
Current: $34.9M · Tier avg: $139.2M
15
15th pctile
Non-Interest Income / Assets
Current: 0.15% · Tier avg: 0.56%
18
18th pctile
Total Assets
Current: $85.8M · Tier avg: $217.5M
22
22th pctile
Total Deposits
Current: $82.4M · Tier avg: $183.7M
27
27th pctile
Delinquency Rate
Current: 1.06% · Tier avg: 0.64%
41
41th pctile
Non-Interest-Bearing Deposit Share
Current: 19.56% · Tier avg: 22.39%
41
41th pctile
Nonperforming Asset Ratio
Current: 0.43% · Tier avg: 0.45%
87
87th pctile
Tier 1 Capital Ratio
Current: 20.60% · Tier avg: 8.85%