BlastPoint's Banking Scorecard
State Bank of New Richland
Micro
Specialty: Agricultural
MN
FDIC cert 9735
Designations: ✓ Community bank
New Richland, MN
2498
banks in Micro tier nationally
179 in MN
View Micro leaderboard (MN) →
State Bank of New Richland demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 57.37% above tier
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 ? |
$126.1M
-1.6% YoY
+1.3% QoQ
|
-$91.4M |
$217.5M
+2.3% YoY
|
$508.2M
+6.2% YoY
|
$5.9B
+6.5% YoY
|
31% |
| Total Loans ? |
$111.5M
-0.8% YoY
+1.9% QoQ
|
-$27.7M |
$139.2M
+2.8% YoY
|
$283.0M
+6.2% YoY
|
$3.1B
+8.5% YoY
|
47% |
| Total Deposits ? |
$84.5M
+9.4% YoY
+1.6% QoQ
|
-$99.2M |
$183.7M
+1.8% YoY
|
$438.4M
+5.3% YoY
|
$4.7B
+6.3% YoY
|
23% |
| Return on Assets ? |
1.55%
+20.9% YoY
-2.9% QoQ
|
+0.47% |
1.08%
+14.7% YoY
|
1.11%
+14.5% YoY
|
1.12%
+15.6% YoY
|
77% |
| Net Interest Margin ? |
3.34%
+8.0% YoY
+0.9% QoQ
|
-0.51% |
3.85%
+6.6% YoY
|
3.81%
+8.2% YoY
|
3.75%
+7.1% YoY
|
27% |
| Efficiency Ratio ? |
50.14%
-7.8% YoY
+1.8% QoQ
|
-17.58% |
67.73%
-4.8% YoY
|
65.34%
-5.0% YoY
|
65.09%
-5.1% YoY
|
Top 10% in tier |
| Delinquency Rate ? |
0.18%
-60.5% YoY
+1.2% QoQ
|
-0.46% |
0.64%
+24.4% YoY
|
0.65%
+17.8% YoY
|
0.66%
+20.3% YoY
|
64% |
| Loan-to-Deposit Ratio ? |
131.89%
-9.3% YoY
+0.3% QoQ
|
+57.37% |
74.53%
+0.5% YoY
|
76.97%
-0.8% YoY
|
78.04%
+0.7% YoY
|
Top 1% in tier |
| Non-Interest-Bearing Deposit Share ? |
21.15%
+3.7% YoY
+13.4% QoQ
|
-1.25% |
22.39%
-1.3% YoY
|
21.89%
-2.6% YoY
|
21.79%
-1.3% YoY
|
48% |
| Nonperforming Asset Ratio ? |
0.16%
-60.2% YoY
+1.8% QoQ
|
-0.30% |
0.45%
+25.1% YoY
|
0.46%
+7.5% YoY
|
0.48%
+20.8% YoY
|
61% |
| Tier 1 Capital Ratio ? |
10.79%
+5.2% YoY
-9.5% QoQ
|
+1.94% |
8.85%
-3.4% YoY
|
11.33%
-0.2% YoY
|
9.75%
-1.9% YoY
|
54% |
| Non-Interest Income / Assets ? |
0.16%
-5.7% YoY
+26.8% QoQ
|
-0.40% |
0.56%
+0.3% YoY
|
0.50%
+4.9% YoY
|
0.65%
+0.6% YoY
|
17% |
Signature Analysis
Strengths (1)
Loan-to-Deposit Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
131.89%
(Tier avg: 74.53%, National avg: 78.04%)
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
100
100th pctile
Loan-to-Deposit Ratio
Current: 131.89% · Tier avg: 74.53%
90
90th pctile
Efficiency Ratio
Current: 50.14% · Tier avg: 67.73%
77
77th pctile
Return on Assets
Current: 1.55% · Tier avg: 1.08%
64
64th pctile
Delinquency Rate
Current: 0.18% · Tier avg: 0.64%
61
61th pctile
Nonperforming Asset Ratio
Current: 0.16% · Tier avg: 0.45%
54
54th pctile
Tier 1 Capital Ratio
Current: 10.79% · Tier avg: 8.85%
48
48th pctile
Non-Interest-Bearing Deposit Share
Current: 21.15% · Tier avg: 22.39%
47
47th pctile
Total Loans
Current: $111.5M · Tier avg: $139.2M
31
31th pctile
Total Assets
Current: $126.1M · Tier avg: $217.5M
27
27th pctile
Net Interest Margin
Current: 3.34% · Tier avg: 3.85%
23
23th pctile
Total Deposits
Current: $84.5M · Tier avg: $183.7M
17
17th pctile
Non-Interest Income / Assets
Current: 0.16% · Tier avg: 0.56%
Top Weaknesses
17
17th pctile
Non-Interest Income / Assets
Current: 0.16% · Tier avg: 0.56%
23
23th pctile
Total Deposits
Current: $84.5M · Tier avg: $183.7M
27
27th pctile
Net Interest Margin
Current: 3.34% · Tier avg: 3.85%
31
31th pctile
Total Assets
Current: $126.1M · Tier avg: $217.5M
47
47th pctile
Total Loans
Current: $111.5M · Tier avg: $139.2M
48
48th pctile
Non-Interest-Bearing Deposit Share
Current: 21.15% · Tier avg: 22.39%
54
54th pctile
Tier 1 Capital Ratio
Current: 10.79% · Tier avg: 8.85%
61
61th pctile
Nonperforming Asset Ratio
Current: 0.16% · Tier avg: 0.45%
64
64th pctile
Delinquency Rate
Current: 0.18% · Tier avg: 0.64%
77
77th pctile
Return on Assets
Current: 1.55% · Tier avg: 1.08%
90
90th pctile
Efficiency Ratio
Current: 50.14% · Tier avg: 67.73%
100
100th pctile
Loan-to-Deposit Ratio
Current: 131.89% · Tier avg: 74.53%