BlastPoint's Banking Scorecard
Currie State Bank
Micro
Specialty: Agricultural
MN
FDIC cert 8833
Designations: ✓ Community bank
Currie, MN
2498
banks in Micro tier nationally
179 in MN
View Micro leaderboard (MN) →
Currie State Bank faces 3 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Delinquency Rate 5.07% above tier
- - Loan-to-Deposit Ratio 31.54% above tier
- - Nonperforming Asset Ratio 4.86% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$101.8M
+1.5% YoY
-1.3% QoQ
|
-$115.7M |
$217.5M
+2.3% YoY
|
$508.2M
+6.2% YoY
|
$5.9B
+6.5% YoY
|
23% |
| Total Loans ? |
$94.8M
+4.7% YoY
+3.9% QoQ
|
-$44.4M |
$139.2M
+2.8% YoY
|
$283.0M
+6.2% YoY
|
$3.1B
+8.5% YoY
|
41% |
| Total Deposits ? |
$89.3M
+4.4% YoY
-1.8% QoQ
|
-$94.3M |
$183.7M
+1.8% YoY
|
$438.4M
+5.3% YoY
|
$4.7B
+6.3% YoY
|
25% |
| Return on Assets ? |
1.37%
+9.4% YoY
-1.9% QoQ
|
+0.29% |
1.08%
+14.7% YoY
|
1.11%
+14.5% YoY
|
1.12%
+15.6% YoY
|
68% |
| Net Interest Margin ? |
4.68%
+1.8% YoY
+0.9% QoQ
|
+0.83% |
3.85%
+6.6% YoY
|
3.81%
+8.2% YoY
|
3.75%
+7.1% YoY
|
84% |
| Efficiency Ratio ? |
58.66%
-3.1% YoY
+1.6% QoQ
|
-9.06% |
67.73%
-4.8% YoY
|
65.34%
-5.0% YoY
|
65.09%
-5.1% YoY
|
71% |
| Delinquency Rate ? |
5.70%
+484.4% YoY
+108.7% QoQ
|
+5.07% |
0.64%
+24.4% YoY
|
0.65%
+17.8% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
106.07%
+0.2% YoY
+5.8% QoQ
|
+31.54% |
74.53%
+0.5% YoY
|
76.97%
-0.8% YoY
|
78.04%
+0.7% YoY
|
Bottom 5% in tier |
| Non-Interest-Bearing Deposit Share ? |
20.65%
+11.9% YoY
+8.7% QoQ
|
-1.75% |
22.39%
-1.3% YoY
|
21.89%
-2.6% YoY
|
21.79%
-1.3% YoY
|
45% |
| Nonperforming Asset Ratio ? |
5.31%
+502.6% YoY
+119.7% QoQ
|
+4.86% |
0.45%
+25.1% YoY
|
0.46%
+7.5% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| 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 ? |
0.15%
+47.8% YoY
+33.3% QoQ
|
-0.41% |
0.56%
+0.3% YoY
|
0.50%
+4.9% YoY
|
0.65%
+0.6% YoY
|
Bottom 15% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (3)
Delinquency Rate
metric
Bottom 1%
in Micro
Why this stands out
Current:
5.70%
(Tier avg: 0.64%, National avg: 0.66%)
Loan-to-Deposit Ratio
metric
Bottom 5%
in Micro
Why this stands out
Current:
106.07%
(Tier avg: 74.53%, National avg: 78.04%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
5.31%
(Tier avg: 0.45%, National avg: 0.48%)
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
84
84th pctile
Net Interest Margin
Current: 4.68% · Tier avg: 3.85%
71
71th pctile
Efficiency Ratio
Current: 58.66% · Tier avg: 67.73%
68
68th pctile
Return on Assets
Current: 1.37% · Tier avg: 1.08%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
45
45th pctile
Non-Interest-Bearing Deposit Share
Current: 20.65% · Tier avg: 22.39%
41
41th pctile
Total Loans
Current: $94.8M · Tier avg: $139.2M
25
25th pctile
Total Deposits
Current: $89.3M · Tier avg: $183.7M
23
23th pctile
Total Assets
Current: $101.8M · Tier avg: $217.5M
15
15th pctile
Non-Interest Income / Assets
Current: 0.15% · Tier avg: 0.56%
5
5th pctile
Loan-to-Deposit Ratio
Current: 106.07% · Tier avg: 74.53%
0
0th pctile
Delinquency Rate
Current: 5.70% · Tier avg: 0.64%
0
0th pctile
Nonperforming Asset Ratio
Current: 5.31% · Tier avg: 0.45%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 5.31% · Tier avg: 0.45%
0
0th pctile
Delinquency Rate
Current: 5.70% · Tier avg: 0.64%
5
5th pctile
Loan-to-Deposit Ratio
Current: 106.07% · Tier avg: 74.53%
15
15th pctile
Non-Interest Income / Assets
Current: 0.15% · Tier avg: 0.56%
23
23th pctile
Total Assets
Current: $101.8M · Tier avg: $217.5M
25
25th pctile
Total Deposits
Current: $89.3M · Tier avg: $183.7M
41
41th pctile
Total Loans
Current: $94.8M · Tier avg: $139.2M
45
45th pctile
Non-Interest-Bearing Deposit Share
Current: 20.65% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
68
68th pctile
Return on Assets
Current: 1.37% · Tier avg: 1.08%
71
71th pctile
Efficiency Ratio
Current: 58.66% · Tier avg: 67.73%
84
84th pctile
Net Interest Margin
Current: 4.68% · Tier avg: 3.85%