BlastPoint's Banking Scorecard
Battle Bank, National Association
Micro
Specialty: Other
MN
FDIC cert 9336
Designations: ✓ Community bank
Upsala, MN
2498
banks in Micro tier nationally
179 in MN
View Micro leaderboard (MN) →
Battle Bank, National Association has 3 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Loan-to-Deposit Ratio 64.46% below tier
- + Nonperforming Asset Ratio 0.45% below tier
Key Concerns
Areas that may need attention
- - Return on Assets 3.41% below tier
- - Net Interest Margin 2.82% below tier
- - Non-Interest Income / Assets 0.55% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$118.6M
+84.0% YoY
+81.4% QoQ
|
-$98.9M |
$217.5M
+2.3% YoY
|
$508.2M
+6.2% YoY
|
$5.9B
+6.5% YoY
|
29% |
| Total Loans ? |
$4.4M
-91.1% YoY
-91.4% QoQ
|
-$134.7M |
$139.2M
+2.8% YoY
|
$283.0M
+6.2% YoY
|
$3.1B
+8.5% YoY
|
Bottom 2% in tier |
| Total Deposits ? |
$44.1M
-1.8% YoY
-2.9% QoQ
|
-$139.6M |
$183.7M
+1.8% YoY
|
$438.4M
+5.3% YoY
|
$4.7B
+6.3% YoY
|
Bottom 8% in tier |
| Return on Assets ? |
-2.33%
-367.7% YoY
-159.1% QoQ
|
-3.41% |
1.08%
+14.7% YoY
|
1.11%
+14.5% YoY
|
1.12%
+15.6% YoY
|
Bottom 1% in tier |
| Net Interest Margin ? |
1.03%
-69.9% YoY
-77.3% QoQ
|
-2.82% |
3.85%
+6.6% YoY
|
3.81%
+8.2% YoY
|
3.75%
+7.1% YoY
|
Bottom 1% in tier |
| Efficiency Ratio ? |
363.17%
+790.1% YoY
+938.0% QoQ
|
+295.45% |
67.73%
-4.8% YoY
|
65.34%
-5.0% YoY
|
65.09%
-5.1% YoY
|
- |
| 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 ? |
10.07%
-90.9% YoY
-91.2% QoQ
|
-64.46% |
74.53%
+0.5% YoY
|
76.97%
-0.8% YoY
|
78.04%
+0.7% YoY
|
Top 1% in tier |
| Non-Interest-Bearing Deposit Share ? |
10.84%
+4.1% YoY
+3.9% QoQ
|
-11.56% |
22.39%
-1.3% YoY
|
21.89%
-2.6% YoY
|
21.79%
-1.3% YoY
|
Bottom 13% in tier |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-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 ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-8.85% |
8.85%
-3.4% YoY
|
11.33%
-0.2% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.01%
-80.4% YoY
+458.3% QoQ
|
-0.55% |
0.56%
+0.3% YoY
|
0.50%
+4.9% YoY
|
0.65%
+0.6% YoY
|
Bottom 1% 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:
10.07%
(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 (3)
Return on Assets
metric
Bottom 1%
in Micro
Why this stands out
Current:
-2.33%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 1%
in Micro
Why this stands out
Current:
1.03%
(Tier avg: 3.85%, National avg: 3.75%)
Non-Interest Income / Assets
metric
Bottom 1%
in Micro
Why this stands out
Current:
0.01%
(Tier avg: 0.56%, National avg: 0.65%)
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
Loan-to-Deposit Ratio
Current: 10.07% · Tier avg: 74.53%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
29
29th pctile
Total Assets
Current: $118.6M · Tier avg: $217.5M
13
13th pctile
Non-Interest-Bearing Deposit Share
Current: 10.84% · Tier avg: 22.39%
8
8th pctile
Total Deposits
Current: $44.1M · Tier avg: $183.7M
2
2th pctile
Total Loans
Current: $4.4M · Tier avg: $139.2M
1
1th pctile
Non-Interest Income / Assets
Current: 0.01% · Tier avg: 0.56%
0
0th pctile
Net Interest Margin
Current: 1.03% · Tier avg: 3.85%
0
0th pctile
Return on Assets
Current: -2.33% · Tier avg: 1.08%
Top Weaknesses
0
0th pctile
Return on Assets
Current: -2.33% · Tier avg: 1.08%
0
0th pctile
Net Interest Margin
Current: 1.03% · Tier avg: 3.85%
1
1th pctile
Non-Interest Income / Assets
Current: 0.01% · Tier avg: 0.56%
2
2th pctile
Total Loans
Current: $4.4M · Tier avg: $139.2M
8
8th pctile
Total Deposits
Current: $44.1M · Tier avg: $183.7M
13
13th pctile
Non-Interest-Bearing Deposit Share
Current: 10.84% · Tier avg: 22.39%
29
29th pctile
Total Assets
Current: $118.6M · Tier avg: $217.5M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Loan-to-Deposit Ratio
Current: 10.07% · Tier avg: 74.53%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%