BlastPoint's Banking Scorecard
State Bank of Chandler
Micro
Specialty: Agricultural
MN
FDIC cert 8858
Designations: ✓ Community bank
Chandler, MN
2498
banks in Micro tier nationally
179 in MN
View Micro leaderboard (MN) →
State Bank of Chandler shows stable performance across key metrics
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
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 ? |
$70.1M
+0.5% YoY
+3.9% QoQ
|
-$147.4M |
$217.5M
+2.3% YoY
|
$508.2M
+6.2% YoY
|
$5.9B
+6.5% YoY
|
Bottom 13% in tier |
| Total Loans ? |
$47.7M
+0.7% YoY
+8.1% QoQ
|
-$91.5M |
$139.2M
+2.8% YoY
|
$283.0M
+6.2% YoY
|
$3.1B
+8.5% YoY
|
19% |
| Total Deposits ? |
$59.9M
-0.7% YoY
+2.3% QoQ
|
-$123.8M |
$183.7M
+1.8% YoY
|
$438.4M
+5.3% YoY
|
$4.7B
+6.3% YoY
|
Bottom 14% in tier |
| Return on Assets ? |
1.27%
+17.3% YoY
-2.3% QoQ
|
+0.19% |
1.08%
+14.7% YoY
|
1.11%
+14.5% YoY
|
1.12%
+15.6% YoY
|
64% |
| Net Interest Margin ? |
3.94%
+9.3% YoY
+0.5% QoQ
|
+0.09% |
3.85%
+6.6% YoY
|
3.81%
+8.2% YoY
|
3.75%
+7.1% YoY
|
56% |
| Efficiency Ratio ? |
55.89%
-3.1% YoY
+2.9% QoQ
|
-11.84% |
67.73%
-4.8% YoY
|
65.34%
-5.0% YoY
|
65.09%
-5.1% YoY
|
79% |
| Delinquency Rate ? |
1.57%
+9.8% QoQ
|
+0.93% |
0.64%
+24.4% YoY
|
0.65%
+17.8% YoY
|
0.66%
+20.3% YoY
|
18% |
| Loan-to-Deposit Ratio ? |
79.60%
+1.4% YoY
+5.7% QoQ
|
+5.07% |
74.53%
+0.5% YoY
|
76.97%
-0.8% YoY
|
78.04%
+0.7% YoY
|
43% |
| Non-Interest-Bearing Deposit Share ? |
28.74%
-6.2% YoY
+17.3% QoQ
|
+6.35% |
22.39%
-1.3% YoY
|
21.89%
-2.6% YoY
|
21.79%
-1.3% YoY
|
75% |
| Nonperforming Asset Ratio ? |
1.07%
+14.2% QoQ
|
+0.62% |
0.45%
+25.1% YoY
|
0.46%
+7.5% YoY
|
0.48%
+20.8% YoY
|
18% |
| Tier 1 Capital Ratio ? |
15.42%
-4.1% YoY
-12.3% QoQ
|
+6.57% |
8.85%
-3.4% YoY
|
11.33%
-0.2% YoY
|
9.75%
-1.9% YoY
|
74% |
| Non-Interest Income / Assets ? |
0.31%
-4.5% YoY
+31.1% QoQ
|
-0.25% |
0.56%
+0.3% YoY
|
0.50%
+4.9% YoY
|
0.65%
+0.6% YoY
|
43% |
Signature Analysis
Strengths (0)
No strengths identified
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
79
79th pctile
Efficiency Ratio
Current: 55.89% · Tier avg: 67.73%
75
75th pctile
Non-Interest-Bearing Deposit Share
Current: 28.74% · Tier avg: 22.39%
74
74th pctile
Tier 1 Capital Ratio
Current: 15.42% · Tier avg: 8.85%
64
64th pctile
Return on Assets
Current: 1.27% · Tier avg: 1.08%
56
56th pctile
Net Interest Margin
Current: 3.94% · Tier avg: 3.85%
43
43th pctile
Loan-to-Deposit Ratio
Current: 79.60% · Tier avg: 74.53%
43
43th pctile
Non-Interest Income / Assets
Current: 0.31% · Tier avg: 0.56%
19
19th pctile
Total Loans
Current: $47.7M · Tier avg: $139.2M
18
18th pctile
Delinquency Rate
Current: 1.57% · Tier avg: 0.64%
18
18th pctile
Nonperforming Asset Ratio
Current: 1.07% · Tier avg: 0.45%
14
14th pctile
Total Deposits
Current: $59.9M · Tier avg: $183.7M
13
13th pctile
Total Assets
Current: $70.1M · Tier avg: $217.5M
Top Weaknesses
13
13th pctile
Total Assets
Current: $70.1M · Tier avg: $217.5M
14
14th pctile
Total Deposits
Current: $59.9M · Tier avg: $183.7M
18
18th pctile
Nonperforming Asset Ratio
Current: 1.07% · Tier avg: 0.45%
18
18th pctile
Delinquency Rate
Current: 1.57% · Tier avg: 0.64%
19
19th pctile
Total Loans
Current: $47.7M · Tier avg: $139.2M
43
43th pctile
Non-Interest Income / Assets
Current: 0.31% · Tier avg: 0.56%
43
43th pctile
Loan-to-Deposit Ratio
Current: 79.60% · Tier avg: 74.53%
56
56th pctile
Net Interest Margin
Current: 3.94% · Tier avg: 3.85%
64
64th pctile
Return on Assets
Current: 1.27% · Tier avg: 1.08%
74
74th pctile
Tier 1 Capital Ratio
Current: 15.42% · Tier avg: 8.85%
75
75th pctile
Non-Interest-Bearing Deposit Share
Current: 28.74% · Tier avg: 22.39%
79
79th pctile
Efficiency Ratio
Current: 55.89% · Tier avg: 67.73%