BlastPoint's Banking Scorecard
Marshall County State Bank
Micro
Specialty: Other
MN
FDIC cert 9752
Designations: ✓ Community bank
Newfolden, MN
2498
banks in Micro tier nationally
179 in MN
View Micro leaderboard (MN) →
Marshall County State Bank has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% below tier
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 37.59% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$44.1M
+5.6% YoY
+4.9% QoQ
|
-$173.4M |
$217.5M
+2.3% YoY
|
$508.2M
+6.2% YoY
|
$5.9B
+6.5% YoY
|
Bottom 6% in tier |
| Total Loans ? |
$13.7M
-2.6% YoY
-3.9% QoQ
|
-$125.5M |
$139.2M
+2.8% YoY
|
$283.0M
+6.2% YoY
|
$3.1B
+8.5% YoY
|
Bottom 4% in tier |
| Total Deposits ? |
$37.0M
+6.1% YoY
+6.8% QoQ
|
-$146.7M |
$183.7M
+1.8% YoY
|
$438.4M
+5.3% YoY
|
$4.7B
+6.3% YoY
|
Bottom 6% in tier |
| Return on Assets ? |
1.31%
-20.6% YoY
+4.0% QoQ
|
+0.23% |
1.08%
+14.7% YoY
|
1.11%
+14.5% YoY
|
1.12%
+15.6% YoY
|
66% |
| Net Interest Margin ? |
3.06%
-7.7% YoY
-1.9% QoQ
|
-0.80% |
3.85%
+6.6% YoY
|
3.81%
+8.2% YoY
|
3.75%
+7.1% YoY
|
18% |
| Efficiency Ratio ? |
50.35%
+13.2% YoY
-0.2% QoQ
|
-17.38% |
67.73%
-4.8% YoY
|
65.34%
-5.0% YoY
|
65.09%
-5.1% YoY
|
Top 11% 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 ? |
36.94%
-8.2% YoY
-10.1% QoQ
|
-37.59% |
74.53%
+0.5% YoY
|
76.97%
-0.8% YoY
|
78.04%
+0.7% YoY
|
Bottom 4% in tier |
| Non-Interest-Bearing Deposit Share ? |
20.29%
-12.0% YoY
+14.3% QoQ
|
-2.10% |
22.39%
-1.3% YoY
|
21.89%
-2.6% YoY
|
21.79%
-1.3% YoY
|
44% |
| 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 ? |
59.69%
+6.4% YoY
+4.8% QoQ
|
+50.84% |
8.85%
-3.4% YoY
|
11.33%
-0.2% YoY
|
9.75%
-1.9% YoY
|
- |
| Non-Interest Income / Assets ? |
0.14%
-13.8% YoY
+21.2% QoQ
|
-0.42% |
0.56%
+0.3% YoY
|
0.50%
+4.9% YoY
|
0.65%
+0.6% YoY
|
Bottom 13% in tier |
Signature Analysis
Strengths (2)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Concerns (1)
Loan-to-Deposit Ratio
metric
Bottom 4%
in Micro
Why this stands out
Current:
36.94%
(Tier avg: 74.53%, National avg: 78.04%)
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%
89
89th pctile
Efficiency Ratio
Current: 50.35% · Tier avg: 67.73%
66
66th pctile
Return on Assets
Current: 1.31% · Tier avg: 1.08%
44
44th pctile
Non-Interest-Bearing Deposit Share
Current: 20.29% · Tier avg: 22.39%
18
18th pctile
Net Interest Margin
Current: 3.06% · Tier avg: 3.85%
13
13th pctile
Non-Interest Income / Assets
Current: 0.14% · Tier avg: 0.56%
6
6th pctile
Total Deposits
Current: $37.0M · Tier avg: $183.7M
6
6th pctile
Total Assets
Current: $44.1M · Tier avg: $217.5M
4
4th pctile
Loan-to-Deposit Ratio
Current: 36.94% · Tier avg: 74.53%
4
4th pctile
Total Loans
Current: $13.7M · Tier avg: $139.2M
Top Weaknesses
4
4th pctile
Total Loans
Current: $13.7M · Tier avg: $139.2M
4
4th pctile
Loan-to-Deposit Ratio
Current: 36.94% · Tier avg: 74.53%
6
6th pctile
Total Assets
Current: $44.1M · Tier avg: $217.5M
6
6th pctile
Total Deposits
Current: $37.0M · Tier avg: $183.7M
13
13th pctile
Non-Interest Income / Assets
Current: 0.14% · Tier avg: 0.56%
18
18th pctile
Net Interest Margin
Current: 3.06% · Tier avg: 3.85%
44
44th pctile
Non-Interest-Bearing Deposit Share
Current: 20.29% · Tier avg: 22.39%
66
66th pctile
Return on Assets
Current: 1.31% · Tier avg: 1.08%
89
89th pctile
Efficiency Ratio
Current: 50.35% · Tier avg: 67.73%
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%