BlastPoint's Banking Scorecard
Bank of Maple Plain
Micro
Specialty: Other
MN
FDIC cert 9332
Designations: ✓ Community bank
Maple Plain, MN
2498
banks in Micro tier nationally
179 in MN
View Micro leaderboard (MN) →
Bank of Maple Plain has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Tier 1 Capital Ratio 19.72% above tier
Key Concerns
Areas that may need attention
- - Return on Assets 1.01% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$85.1M
-4.1% YoY
+1.3% QoQ
|
-$132.4M |
$217.5M
+2.3% YoY
|
$508.2M
+6.2% YoY
|
$5.9B
+6.5% YoY
|
17% |
| Total Loans ? |
$40.9M
-5.2% YoY
+0.9% QoQ
|
-$98.3M |
$139.2M
+2.8% YoY
|
$283.0M
+6.2% YoY
|
$3.1B
+8.5% YoY
|
16% |
| Total Deposits ? |
$74.5M
-5.7% YoY
+2.2% QoQ
|
-$109.2M |
$183.7M
+1.8% YoY
|
$438.4M
+5.3% YoY
|
$4.7B
+6.3% YoY
|
19% |
| Return on Assets ? |
0.07%
+117.9% YoY
-73.2% QoQ
|
-1.01% |
1.08%
+14.7% YoY
|
1.11%
+14.5% YoY
|
1.12%
+15.6% YoY
|
Bottom 7% in tier |
| Net Interest Margin ? |
2.85%
+10.0% YoY
+2.0% QoQ
|
-1.01% |
3.85%
+6.6% YoY
|
3.81%
+8.2% YoY
|
3.75%
+7.1% YoY
|
Bottom 12% in tier |
| Efficiency Ratio ? |
83.25%
-8.3% YoY
-2.7% QoQ
|
+15.53% |
67.73%
-4.8% YoY
|
65.34%
-5.0% YoY
|
65.09%
-5.1% YoY
|
15% |
| Delinquency Rate ? |
0.57%
-72.7% YoY
-62.1% QoQ
|
-0.07% |
0.64%
+24.4% YoY
|
0.65%
+17.8% YoY
|
0.66%
+20.3% YoY
|
42% |
| Loan-to-Deposit Ratio ? |
54.85%
+0.6% YoY
-1.3% QoQ
|
-19.67% |
74.53%
+0.5% YoY
|
76.97%
-0.8% YoY
|
78.04%
+0.7% YoY
|
82% |
| Non-Interest-Bearing Deposit Share ? |
30.72%
+1.5% YoY
+3.6% QoQ
|
+8.33% |
22.39%
-1.3% YoY
|
21.89%
-2.6% YoY
|
21.79%
-1.3% YoY
|
81% |
| Nonperforming Asset Ratio ? |
0.27%
-73.0% YoY
-62.2% QoQ
|
-0.18% |
0.45%
+25.1% YoY
|
0.46%
+7.5% YoY
|
0.48%
+20.8% YoY
|
50% |
| Tier 1 Capital Ratio ? |
28.57%
+21.5% YoY
|
+19.72% |
8.85%
-3.4% YoY
|
11.33%
-0.2% YoY
|
9.75%
-1.9% YoY
|
Top 5% in tier |
| Non-Interest Income / Assets ? |
0.36%
+0.7% YoY
+23.1% QoQ
|
-0.20% |
0.56%
+0.3% YoY
|
0.50%
+4.9% YoY
|
0.65%
+0.6% YoY
|
50% |
Signature Analysis
Strengths (1)
Tier 1 Capital Ratio
metric
Top 5%
in Micro
Why this stands out
Current:
28.57%
(Tier avg: 8.85%, National avg: 9.75%)
Concerns (1)
Return on Assets
metric
Bottom 7%
in Micro
Why this stands out
Current:
0.07%
(Tier avg: 1.08%, National avg: 1.12%)
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
95
95th pctile
Tier 1 Capital Ratio
Current: 28.57% · Tier avg: 8.85%
82
82th pctile
Loan-to-Deposit Ratio
Current: 54.85% · Tier avg: 74.53%
81
81th pctile
Non-Interest-Bearing Deposit Share
Current: 30.72% · Tier avg: 22.39%
50
50th pctile
Non-Interest Income / Assets
Current: 0.36% · Tier avg: 0.56%
50
50th pctile
Nonperforming Asset Ratio
Current: 0.27% · Tier avg: 0.45%
42
42th pctile
Delinquency Rate
Current: 0.57% · Tier avg: 0.64%
19
19th pctile
Total Deposits
Current: $74.5M · Tier avg: $183.7M
17
17th pctile
Total Assets
Current: $85.1M · Tier avg: $217.5M
16
16th pctile
Total Loans
Current: $40.9M · Tier avg: $139.2M
15
15th pctile
Efficiency Ratio
Current: 83.25% · Tier avg: 67.73%
12
12th pctile
Net Interest Margin
Current: 2.85% · Tier avg: 3.85%
7
7th pctile
Return on Assets
Current: 0.07% · Tier avg: 1.08%
Top Weaknesses
7
7th pctile
Return on Assets
Current: 0.07% · Tier avg: 1.08%
12
12th pctile
Net Interest Margin
Current: 2.85% · Tier avg: 3.85%
15
15th pctile
Efficiency Ratio
Current: 83.25% · Tier avg: 67.73%
16
16th pctile
Total Loans
Current: $40.9M · Tier avg: $139.2M
17
17th pctile
Total Assets
Current: $85.1M · Tier avg: $217.5M
19
19th pctile
Total Deposits
Current: $74.5M · Tier avg: $183.7M
42
42th pctile
Delinquency Rate
Current: 0.57% · Tier avg: 0.64%
50
50th pctile
Nonperforming Asset Ratio
Current: 0.27% · Tier avg: 0.45%
50
50th pctile
Non-Interest Income / Assets
Current: 0.36% · Tier avg: 0.56%
81
81th pctile
Non-Interest-Bearing Deposit Share
Current: 30.72% · Tier avg: 22.39%
82
82th pctile
Loan-to-Deposit Ratio
Current: 54.85% · Tier avg: 74.53%
95
95th pctile
Tier 1 Capital Ratio
Current: 28.57% · Tier avg: 8.85%