BlastPoint's Banking Scorecard
ProGrowth Bank
Micro
Specialty: Agricultural
MN
FDIC cert 8536
Designations: ✓ Community bank
Nicollet, MN
2498
banks in Micro tier nationally
179 in MN
View Micro leaderboard (MN) →
ProGrowth Bank has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Loan-to-Deposit Ratio 49.66% below tier
- + Nonperforming Asset Ratio 0.45% below tier
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.86% below tier
- - Non-Interest-Bearing Deposit Share 13.99% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$411.7M
+4.0% YoY
-1.3% QoQ
|
+$194.2M |
$217.5M
+2.3% YoY
|
$508.2M
+6.2% YoY
|
$5.9B
+6.5% YoY
|
Top 10% in tier |
| Total Loans ? |
$83.0M
+3.7% YoY
+5.8% QoQ
|
-$56.1M |
$139.2M
+2.8% YoY
|
$283.0M
+6.2% YoY
|
$3.1B
+8.5% YoY
|
35% |
| Total Deposits ? |
$334.0M
+1.5% YoY
-1.7% QoQ
|
+$150.3M |
$183.7M
+1.8% YoY
|
$438.4M
+5.3% YoY
|
$4.7B
+6.3% YoY
|
Top 13% in tier |
| Return on Assets ? |
0.35%
-46.3% YoY
-21.1% QoQ
|
-0.73% |
1.08%
+14.7% YoY
|
1.11%
+14.5% YoY
|
1.12%
+15.6% YoY
|
Bottom 14% in tier |
| Net Interest Margin ? |
1.99%
-18.2% YoY
-2.1% QoQ
|
-1.86% |
3.85%
+6.6% YoY
|
3.81%
+8.2% YoY
|
3.75%
+7.1% YoY
|
Bottom 2% in tier |
| Efficiency Ratio ? |
73.78%
+20.7% YoY
+2.0% QoQ
|
+6.05% |
67.73%
-4.8% YoY
|
65.34%
-5.0% YoY
|
65.09%
-5.1% YoY
|
31% |
| Delinquency Rate ? |
0.00%
-100.0% YoY
|
-0.64% |
0.64%
+24.4% YoY
|
0.65%
+17.8% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
24.87%
+2.2% YoY
+7.6% QoQ
|
-49.66% |
74.53%
+0.5% YoY
|
76.97%
-0.8% YoY
|
78.04%
+0.7% YoY
|
Top 1% in tier |
| Non-Interest-Bearing Deposit Share ? |
8.41%
-3.1% YoY
-1.9% QoQ
|
-13.99% |
22.39%
-1.3% YoY
|
21.89%
-2.6% YoY
|
21.79%
-1.3% YoY
|
Bottom 9% in tier |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
|
-0.45% |
0.45%
+25.1% YoY
|
0.46%
+7.5% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
18.47%
-7.7% YoY
-3.7% QoQ
|
+9.62% |
8.85%
-3.4% YoY
|
11.33%
-0.2% YoY
|
9.75%
-1.9% YoY
|
83% |
| Non-Interest Income / Assets ? |
0.12%
-7.1% YoY
+36.3% QoQ
|
-0.44% |
0.56%
+0.3% YoY
|
0.50%
+4.9% YoY
|
0.65%
+0.6% YoY
|
Bottom 11% in tier |
Signature Analysis
Strengths (3)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Loan-to-Deposit Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
24.87%
(Tier avg: 74.53%, National avg: 78.04%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Concerns (2)
Net Interest Margin
metric
Bottom 2%
in Micro
Why this stands out
Current:
1.99%
(Tier avg: 3.85%, National avg: 3.75%)
Non-Interest-Bearing Deposit Share
metric
Bottom 9%
in Micro
Why this stands out
Current:
8.41%
(Tier avg: 22.39%, National avg: 21.79%)
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
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
99
99th pctile
Loan-to-Deposit Ratio
Current: 24.87% · Tier avg: 74.53%
90
90th pctile
Total Assets
Current: $411.7M · Tier avg: $217.5M
87
87th pctile
Total Deposits
Current: $334.0M · Tier avg: $183.7M
83
83th pctile
Tier 1 Capital Ratio
Current: 18.47% · Tier avg: 8.85%
35
35th pctile
Total Loans
Current: $83.0M · Tier avg: $139.2M
31
31th pctile
Efficiency Ratio
Current: 73.78% · Tier avg: 67.73%
14
14th pctile
Return on Assets
Current: 0.35% · Tier avg: 1.08%
11
11th pctile
Non-Interest Income / Assets
Current: 0.12% · Tier avg: 0.56%
9
9th pctile
Non-Interest-Bearing Deposit Share
Current: 8.41% · Tier avg: 22.39%
2
2th pctile
Net Interest Margin
Current: 1.99% · Tier avg: 3.85%
Top Weaknesses
2
2th pctile
Net Interest Margin
Current: 1.99% · Tier avg: 3.85%
9
9th pctile
Non-Interest-Bearing Deposit Share
Current: 8.41% · Tier avg: 22.39%
11
11th pctile
Non-Interest Income / Assets
Current: 0.12% · Tier avg: 0.56%
14
14th pctile
Return on Assets
Current: 0.35% · Tier avg: 1.08%
31
31th pctile
Efficiency Ratio
Current: 73.78% · Tier avg: 67.73%
35
35th pctile
Total Loans
Current: $83.0M · Tier avg: $139.2M
83
83th pctile
Tier 1 Capital Ratio
Current: 18.47% · Tier avg: 8.85%
87
87th pctile
Total Deposits
Current: $334.0M · Tier avg: $183.7M
90
90th pctile
Total Assets
Current: $411.7M · Tier avg: $217.5M
99
99th pctile
Loan-to-Deposit Ratio
Current: 24.87% · Tier avg: 74.53%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%