BlastPoint's Banking Scorecard
21st Century Bank
Community
Specialty: Commercial
MN
FDIC cert 9751
Loretto, MN
1484
banks in Community tier nationally
45 in MN
View Community leaderboard (MN) →
21st Century Bank faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 37% in Community
- - Non-Interest Income / Assets 0.61% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$875.9M
+13.2% YoY
+1.3% QoQ
|
-$515.5M |
$1.4B
+2.0% YoY
|
$508.2M
+6.2% YoY
|
$5.9B
+6.5% YoY
|
41% |
| Total Loans ? |
$655.0M
+7.4% YoY
+4.4% QoQ
|
-$320.5M |
$975.5M
+2.4% YoY
|
$283.0M
+6.2% YoY
|
$3.1B
+8.5% YoY
|
46% |
| Total Deposits ? |
$658.6M
+12.5% YoY
-0.8% QoQ
|
-$506.0M |
$1.2B
+1.7% YoY
|
$438.4M
+5.3% YoY
|
$4.7B
+6.3% YoY
|
34% |
| Return on Assets ? |
1.12%
+79.4% YoY
+14.7% QoQ
|
-0.04% |
1.16%
+17.2% YoY
|
1.11%
+14.5% YoY
|
1.12%
+15.6% YoY
|
49% |
| Net Interest Margin ? |
3.29%
+21.9% YoY
+2.9% QoQ
|
-0.37% |
3.66%
+9.1% YoY
|
3.81%
+8.2% YoY
|
3.75%
+7.1% YoY
|
30% |
| Efficiency Ratio ? |
51.13%
-21.0% YoY
-6.9% QoQ
|
-11.50% |
62.63%
-5.3% YoY
|
65.34%
-5.0% YoY
|
65.09%
-5.1% YoY
|
82% |
| Delinquency Rate ? |
0.39%
+82.5% YoY
+64.6% QoQ
|
-0.24% |
0.63%
+18.3% YoY
|
0.65%
+17.8% YoY
|
0.66%
+20.3% YoY
|
55% |
| Loan-to-Deposit Ratio ? |
99.45%
-4.5% YoY
+5.2% QoQ
|
+16.39% |
83.06%
+0.3% YoY
|
76.97%
-0.8% YoY
|
78.04%
+0.7% YoY
|
Top 14% in tier |
| Non-Interest-Bearing Deposit Share ? |
20.14%
-11.4% YoY
-12.1% QoQ
|
-0.90% |
21.05%
-0.9% YoY
|
21.89%
-2.6% YoY
|
21.79%
-1.3% YoY
|
51% |
| Nonperforming Asset Ratio ? |
0.34%
+21.0% YoY
+49.4% QoQ
|
-0.16% |
0.50%
+20.3% YoY
|
0.46%
+7.5% YoY
|
0.48%
+20.8% YoY
|
51% |
| Tier 1 Capital Ratio ? |
14.52%
-1.2% YoY
-0.6% QoQ
|
+4.28% |
10.24%
-0.6% YoY
|
11.33%
-0.2% YoY
|
9.75%
-1.9% YoY
|
73% |
| Non-Interest Income / Assets ? |
0.13%
+71.5% YoY
+155.7% QoQ
|
-0.61% |
0.74%
-1.3% YoY
|
0.50%
+4.9% YoY
|
0.65%
+0.6% YoY
|
Bottom 5% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Credit Risk Growth
risk
#240 of 642 · Bottom 37% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
Non-Interest Income / Assets
metric
Bottom 5%
in Community
Why this stands out
Current:
0.13%
(Tier avg: 0.74%, 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
86
86th pctile
Loan-to-Deposit Ratio
Current: 99.45% · Tier avg: 83.06%
82
82th pctile
Efficiency Ratio
Current: 51.13% · Tier avg: 62.63%
73
73th pctile
Tier 1 Capital Ratio
Current: 14.52% · Tier avg: 10.24%
55
55th pctile
Delinquency Rate
Current: 0.39% · Tier avg: 0.63%
51
51th pctile
Non-Interest-Bearing Deposit Share
Current: 20.14% · Tier avg: 21.05%
51
51th pctile
Nonperforming Asset Ratio
Current: 0.34% · Tier avg: 0.50%
49
49th pctile
Return on Assets
Current: 1.12% · Tier avg: 1.16%
46
46th pctile
Total Loans
Current: $655.0M · Tier avg: $975.5M
41
41th pctile
Total Assets
Current: $875.9M · Tier avg: $1.4B
34
34th pctile
Total Deposits
Current: $658.6M · Tier avg: $1.2B
30
30th pctile
Net Interest Margin
Current: 3.29% · Tier avg: 3.66%
5
5th pctile
Non-Interest Income / Assets
Current: 0.13% · Tier avg: 0.74%
Top Weaknesses
5
5th pctile
Non-Interest Income / Assets
Current: 0.13% · Tier avg: 0.74%
30
30th pctile
Net Interest Margin
Current: 3.29% · Tier avg: 3.66%
34
34th pctile
Total Deposits
Current: $658.6M · Tier avg: $1.2B
41
41th pctile
Total Assets
Current: $875.9M · Tier avg: $1.4B
46
46th pctile
Total Loans
Current: $655.0M · Tier avg: $975.5M
49
49th pctile
Return on Assets
Current: 1.12% · Tier avg: 1.16%
51
51th pctile
Nonperforming Asset Ratio
Current: 0.34% · Tier avg: 0.50%
51
51th pctile
Non-Interest-Bearing Deposit Share
Current: 20.14% · Tier avg: 21.05%
55
55th pctile
Delinquency Rate
Current: 0.39% · Tier avg: 0.63%
73
73th pctile
Tier 1 Capital Ratio
Current: 14.52% · Tier avg: 10.24%
82
82th pctile
Efficiency Ratio
Current: 51.13% · Tier avg: 62.63%
86
86th pctile
Loan-to-Deposit Ratio
Current: 99.45% · Tier avg: 83.06%