BlastPoint's Banking Scorecard
Sentry Bank
Micro
Specialty: Commercial
MN
FDIC cert 8546
Designations: ✓ Community bank
Saint Joseph, MN
2498
banks in Micro tier nationally
179 in MN
View Micro leaderboard (MN) →
Sentry Bank shows strong momentum with 1 strength and 16.2% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$374.6M
+16.2% YoY
+1.6% QoQ
|
+$157.1M |
$217.5M
+2.3% YoY
|
$508.2M
+6.2% YoY
|
$5.9B
+6.5% YoY
|
84% |
| Total Loans ? |
$271.7M
+20.4% YoY
+8.2% QoQ
|
+$132.5M |
$139.2M
+2.8% YoY
|
$283.0M
+6.2% YoY
|
$3.1B
+8.5% YoY
|
Top 12% in tier |
| Total Deposits ? |
$324.2M
+18.2% YoY
+1.7% QoQ
|
+$140.6M |
$183.7M
+1.8% YoY
|
$438.4M
+5.3% YoY
|
$4.7B
+6.3% YoY
|
Top 15% in tier |
| Return on Assets ? |
1.22%
+17.6% YoY
+4.4% QoQ
|
+0.13% |
1.08%
+14.7% YoY
|
1.11%
+14.5% YoY
|
1.12%
+15.6% YoY
|
59% |
| Net Interest Margin ? |
3.80%
+11.5% YoY
+2.1% QoQ
|
-0.05% |
3.85%
+6.6% YoY
|
3.81%
+8.2% YoY
|
3.75%
+7.1% YoY
|
50% |
| Efficiency Ratio ? |
54.10%
-4.3% YoY
-1.5% QoQ
|
-13.63% |
67.73%
-4.8% YoY
|
65.34%
-5.0% YoY
|
65.09%
-5.1% YoY
|
83% |
| Delinquency Rate ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-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 ? |
83.79%
+1.8% YoY
+6.4% QoQ
|
+9.26% |
74.53%
+0.5% YoY
|
76.97%
-0.8% YoY
|
78.04%
+0.7% YoY
|
35% |
| Non-Interest-Bearing Deposit Share ? |
17.99%
-7.7% YoY
-5.3% QoQ
|
-4.40% |
22.39%
-1.3% YoY
|
21.89%
-2.6% YoY
|
21.79%
-1.3% YoY
|
34% |
| Nonperforming Asset Ratio ? |
0.01%
-14.0% YoY
-7.9% QoQ
|
-0.44% |
0.45%
+25.1% YoY
|
0.46%
+7.5% YoY
|
0.48%
+20.8% YoY
|
80% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
11.33%
-0.2% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.23%
-20.1% YoY
+41.3% QoQ
|
-0.33% |
0.56%
+0.3% YoY
|
0.50%
+4.9% YoY
|
0.65%
+0.6% YoY
|
28% |
Signature Analysis
Strengths (1)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Concerns (0)
No concerns identified
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%
88
88th pctile
Total Loans
Current: $271.7M · Tier avg: $139.2M
85
85th pctile
Total Deposits
Current: $324.2M · Tier avg: $183.7M
84
84th pctile
Total Assets
Current: $374.6M · Tier avg: $217.5M
83
83th pctile
Efficiency Ratio
Current: 54.10% · Tier avg: 67.73%
80
80th pctile
Nonperforming Asset Ratio
Current: 0.01% · Tier avg: 0.45%
59
59th pctile
Return on Assets
Current: 1.22% · Tier avg: 1.08%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
50
50th pctile
Net Interest Margin
Current: 3.80% · Tier avg: 3.85%
35
35th pctile
Loan-to-Deposit Ratio
Current: 83.79% · Tier avg: 74.53%
34
34th pctile
Non-Interest-Bearing Deposit Share
Current: 17.99% · Tier avg: 22.39%
28
28th pctile
Non-Interest Income / Assets
Current: 0.23% · Tier avg: 0.56%
Top Weaknesses
28
28th pctile
Non-Interest Income / Assets
Current: 0.23% · Tier avg: 0.56%
34
34th pctile
Non-Interest-Bearing Deposit Share
Current: 17.99% · Tier avg: 22.39%
35
35th pctile
Loan-to-Deposit Ratio
Current: 83.79% · Tier avg: 74.53%
50
50th pctile
Net Interest Margin
Current: 3.80% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
59
59th pctile
Return on Assets
Current: 1.22% · Tier avg: 1.08%
80
80th pctile
Nonperforming Asset Ratio
Current: 0.01% · Tier avg: 0.45%
83
83th pctile
Efficiency Ratio
Current: 54.10% · Tier avg: 67.73%
84
84th pctile
Total Assets
Current: $374.6M · Tier avg: $217.5M
85
85th pctile
Total Deposits
Current: $324.2M · Tier avg: $183.7M
88
88th pctile
Total Loans
Current: $271.7M · Tier avg: $139.2M
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%