BlastPoint's Banking Scorecard
First State Bank of Fountain
Micro
Specialty: Agricultural
MN
FDIC cert 9349
Designations: ✓ Community bank
Fountain, MN
2498
banks in Micro tier nationally
179 in MN
View Micro leaderboard (MN) →
First State Bank of Fountain 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 44.39% below tier
- + Nonperforming Asset Ratio 0.45% below tier
Key Concerns
Areas that may need attention
- - Return on Assets 1.03% below tier
- - Net Interest Margin 1.54% below tier
- - Efficiency Ratio 31.95% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$39.6M
+4.6% YoY
+1.2% QoQ
|
-$177.8M |
$217.5M
+2.3% YoY
|
$508.2M
+6.2% YoY
|
$5.9B
+6.5% YoY
|
Bottom 5% in tier |
| Total Loans ? |
$11.2M
-5.8% YoY
-2.1% QoQ
|
-$128.0M |
$139.2M
+2.8% YoY
|
$283.0M
+6.2% YoY
|
$3.1B
+8.5% YoY
|
Bottom 3% in tier |
| Total Deposits ? |
$37.1M
+2.9% YoY
+1.1% QoQ
|
-$146.5M |
$183.7M
+1.8% YoY
|
$438.4M
+5.3% YoY
|
$4.7B
+6.3% YoY
|
Bottom 6% in tier |
| Return on Assets ? |
0.05%
+132.8% YoY
+4.6% QoQ
|
-1.03% |
1.08%
+14.7% YoY
|
1.11%
+14.5% YoY
|
1.12%
+15.6% YoY
|
Bottom 7% in tier |
| Net Interest Margin ? |
2.31%
+11.0% YoY
-0.4% QoQ
|
-1.54% |
3.85%
+6.6% YoY
|
3.81%
+8.2% YoY
|
3.75%
+7.1% YoY
|
Bottom 4% in tier |
| Efficiency Ratio ? |
99.67%
-14.6% YoY
-0.8% QoQ
|
+31.95% |
67.73%
-4.8% YoY
|
65.34%
-5.0% YoY
|
65.09%
-5.1% YoY
|
Bottom 5% in tier |
| Delinquency Rate ? | 0.00% | -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 ? |
30.13%
-8.4% YoY
-3.2% QoQ
|
-44.39% |
74.53%
+0.5% YoY
|
76.97%
-0.8% YoY
|
78.04%
+0.7% YoY
|
Top 2% in tier |
| Non-Interest-Bearing Deposit Share ? |
21.01%
-3.9% YoY
+9.8% QoQ
|
-1.38% |
22.39%
-1.3% YoY
|
21.89%
-2.6% YoY
|
21.79%
-1.3% YoY
|
47% |
| Nonperforming Asset Ratio ? | 0.00% | -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 ? |
17.38%
+9.3% YoY
-0.6% QoQ
|
+8.52% |
8.85%
-3.4% YoY
|
11.33%
-0.2% YoY
|
9.75%
-1.9% YoY
|
80% |
| Non-Interest Income / Assets ? |
0.25%
-4.4% YoY
+31.8% QoQ
|
-0.31% |
0.56%
+0.3% YoY
|
0.50%
+4.9% YoY
|
0.65%
+0.6% YoY
|
32% |
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 2%
in Micro
Why this stands out
Current:
30.13%
(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 7%
in Micro
Why this stands out
Current:
0.05%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 4%
in Micro
Why this stands out
Current:
2.31%
(Tier avg: 3.85%, National avg: 3.75%)
Efficiency Ratio
metric
Bottom 5%
in Micro
Why this stands out
Current:
99.67%
(Tier avg: 67.73%, National avg: 65.09%)
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
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
98
98th pctile
Loan-to-Deposit Ratio
Current: 30.13% · Tier avg: 74.53%
80
80th pctile
Tier 1 Capital Ratio
Current: 17.38% · Tier avg: 8.85%
47
47th pctile
Non-Interest-Bearing Deposit Share
Current: 21.01% · Tier avg: 22.39%
32
32th pctile
Non-Interest Income / Assets
Current: 0.25% · Tier avg: 0.56%
7
7th pctile
Return on Assets
Current: 0.05% · Tier avg: 1.08%
6
6th pctile
Total Deposits
Current: $37.1M · Tier avg: $183.7M
5
5th pctile
Efficiency Ratio
Current: 99.67% · Tier avg: 67.73%
5
5th pctile
Total Assets
Current: $39.6M · Tier avg: $217.5M
4
4th pctile
Net Interest Margin
Current: 2.31% · Tier avg: 3.85%
3
3th pctile
Total Loans
Current: $11.2M · Tier avg: $139.2M
Top Weaknesses
3
3th pctile
Total Loans
Current: $11.2M · Tier avg: $139.2M
4
4th pctile
Net Interest Margin
Current: 2.31% · Tier avg: 3.85%
5
5th pctile
Total Assets
Current: $39.6M · Tier avg: $217.5M
5
5th pctile
Efficiency Ratio
Current: 99.67% · Tier avg: 67.73%
6
6th pctile
Total Deposits
Current: $37.1M · Tier avg: $183.7M
7
7th pctile
Return on Assets
Current: 0.05% · Tier avg: 1.08%
32
32th pctile
Non-Interest Income / Assets
Current: 0.25% · Tier avg: 0.56%
47
47th pctile
Non-Interest-Bearing Deposit Share
Current: 21.01% · Tier avg: 22.39%
80
80th pctile
Tier 1 Capital Ratio
Current: 17.38% · Tier avg: 8.85%
98
98th pctile
Loan-to-Deposit Ratio
Current: 30.13% · Tier avg: 74.53%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%