BlastPoint's Banking Scorecard
Freeport State Bank
Micro
Specialty: Agricultural
MN
FDIC cert 8210
Designations: ✓ Community bank
Freeport, MN
2498
banks in Micro tier nationally
179 in MN
View Micro leaderboard (MN) →
Freeport State Bank faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Non-Interest Income / Assets 0.46% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$169.0M
+1.5% YoY
-1.7% QoQ
|
-$48.5M |
$217.5M
+2.3% YoY
|
$508.2M
+6.2% YoY
|
$5.9B
+6.5% YoY
|
43% |
| Total Loans ? |
$109.9M
+7.1% YoY
+0.9% QoQ
|
-$29.3M |
$139.2M
+2.8% YoY
|
$283.0M
+6.2% YoY
|
$3.1B
+8.5% YoY
|
47% |
| Total Deposits ? |
$152.1M
+0.6% YoY
-1.8% QoQ
|
-$31.5M |
$183.7M
+1.8% YoY
|
$438.4M
+5.3% YoY
|
$4.7B
+6.3% YoY
|
46% |
| Return on Assets ? |
0.97%
+26.0% YoY
-8.2% QoQ
|
-0.11% |
1.08%
+14.7% YoY
|
1.11%
+14.5% YoY
|
1.12%
+15.6% YoY
|
44% |
| Net Interest Margin ? |
4.19%
+9.8% YoY
+1.6% QoQ
|
+0.34% |
3.85%
+6.6% YoY
|
3.81%
+8.2% YoY
|
3.75%
+7.1% YoY
|
68% |
| Efficiency Ratio ? |
68.21%
-5.9% YoY
+6.6% QoQ
|
+0.48% |
67.73%
-4.8% YoY
|
65.34%
-5.0% YoY
|
65.09%
-5.1% YoY
|
45% |
| Delinquency Rate ? |
0.00%
-89.7% QoQ
|
-0.64% |
0.64%
+24.4% YoY
|
0.65%
+17.8% YoY
|
0.66%
+20.3% YoY
|
82% |
| Loan-to-Deposit Ratio ? |
72.26%
+6.4% YoY
+2.7% QoQ
|
-2.27% |
74.53%
+0.5% YoY
|
76.97%
-0.8% YoY
|
78.04%
+0.7% YoY
|
42% |
| Non-Interest-Bearing Deposit Share ? |
23.36%
-5.1% YoY
+2.3% QoQ
|
+0.96% |
22.39%
-1.3% YoY
|
21.89%
-2.6% YoY
|
21.79%
-1.3% YoY
|
57% |
| Nonperforming Asset Ratio ? |
0.00%
-89.4% QoQ
|
-0.45% |
0.45%
+25.1% YoY
|
0.46%
+7.5% YoY
|
0.48%
+20.8% YoY
|
83% |
| Tier 1 Capital Ratio ? |
15.07%
+4.3% YoY
+2.5% QoQ
|
+6.22% |
8.85%
-3.4% YoY
|
11.33%
-0.2% YoY
|
9.75%
-1.9% YoY
|
73% |
| Non-Interest Income / Assets ? |
0.10%
-36.9% YoY
+28.8% QoQ
|
-0.46% |
0.56%
+0.3% YoY
|
0.50%
+4.9% YoY
|
0.65%
+0.6% YoY
|
Bottom 8% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Non-Interest Income / Assets
metric
Bottom 8%
in Micro
Why this stands out
Current:
0.10%
(Tier avg: 0.56%, 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
83
83th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
82
82th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
73
73th pctile
Tier 1 Capital Ratio
Current: 15.07% · Tier avg: 8.85%
68
68th pctile
Net Interest Margin
Current: 4.19% · Tier avg: 3.85%
57
57th pctile
Non-Interest-Bearing Deposit Share
Current: 23.36% · Tier avg: 22.39%
47
47th pctile
Total Loans
Current: $109.9M · Tier avg: $139.2M
46
46th pctile
Total Deposits
Current: $152.1M · Tier avg: $183.7M
45
45th pctile
Efficiency Ratio
Current: 68.21% · Tier avg: 67.73%
44
44th pctile
Return on Assets
Current: 0.97% · Tier avg: 1.08%
43
43th pctile
Total Assets
Current: $169.0M · Tier avg: $217.5M
42
42th pctile
Loan-to-Deposit Ratio
Current: 72.26% · Tier avg: 74.53%
8
8th pctile
Non-Interest Income / Assets
Current: 0.10% · Tier avg: 0.56%
Top Weaknesses
8
8th pctile
Non-Interest Income / Assets
Current: 0.10% · Tier avg: 0.56%
42
42th pctile
Loan-to-Deposit Ratio
Current: 72.26% · Tier avg: 74.53%
43
43th pctile
Total Assets
Current: $169.0M · Tier avg: $217.5M
44
44th pctile
Return on Assets
Current: 0.97% · Tier avg: 1.08%
45
45th pctile
Efficiency Ratio
Current: 68.21% · Tier avg: 67.73%
46
46th pctile
Total Deposits
Current: $152.1M · Tier avg: $183.7M
47
47th pctile
Total Loans
Current: $109.9M · Tier avg: $139.2M
57
57th pctile
Non-Interest-Bearing Deposit Share
Current: 23.36% · Tier avg: 22.39%
68
68th pctile
Net Interest Margin
Current: 4.19% · Tier avg: 3.85%
73
73th pctile
Tier 1 Capital Ratio
Current: 15.07% · Tier avg: 8.85%
82
82th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
83
83th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%