BlastPoint's Banking Scorecard
Community Bank Mankato
Community
Specialty: Commercial
MN
FDIC cert 9760
Vernon Center, MN
1484
banks in Community tier nationally
45 in MN
View Community leaderboard (MN) →
Community Bank Mankato faces 5 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 8% in Community
- - Flatlined Growth: Bottom 27% in Community
- - Delinquency Rate 1.61% above tier
- - Nonperforming Asset Ratio 1.47% above tier
- - Non-Interest Income / Assets 0.56% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$542.7M
+0.5% YoY
-1.8% QoQ
|
-$848.7M |
$1.4B
+2.0% YoY
|
$508.2M
+6.2% YoY
|
$5.9B
+6.5% YoY
|
Bottom 6% in tier |
| Total Loans ? |
$476.8M
-5.4% YoY
-0.4% QoQ
|
-$498.7M |
$975.5M
+2.4% YoY
|
$283.0M
+6.2% YoY
|
$3.1B
+8.5% YoY
|
27% |
| Total Deposits ? |
$471.4M
+3.5% YoY
-1.3% QoQ
|
-$693.2M |
$1.2B
+1.7% YoY
|
$438.4M
+5.3% YoY
|
$4.7B
+6.3% YoY
|
Bottom 9% in tier |
| Return on Assets ? |
0.80%
+51.7% YoY
+0.1% QoQ
|
-0.36% |
1.16%
+17.2% YoY
|
1.11%
+14.5% YoY
|
1.12%
+15.6% YoY
|
25% |
| Net Interest Margin ? |
3.18%
+21.5% YoY
+2.7% QoQ
|
-0.48% |
3.66%
+9.1% YoY
|
3.81%
+8.2% YoY
|
3.75%
+7.1% YoY
|
24% |
| Efficiency Ratio ? |
63.53%
-10.7% YoY
+0.6% QoQ
|
+0.90% |
62.63%
-5.3% YoY
|
65.34%
-5.0% YoY
|
65.09%
-5.1% YoY
|
46% |
| Delinquency Rate ? |
2.24%
+4.3% YoY
-6.1% QoQ
|
+1.61% |
0.63%
+18.3% YoY
|
0.65%
+17.8% YoY
|
0.66%
+20.3% YoY
|
Bottom 8% in tier |
| Loan-to-Deposit Ratio ? |
101.15%
-8.7% YoY
+1.0% QoQ
|
+18.09% |
83.06%
+0.3% YoY
|
76.97%
-0.8% YoY
|
78.04%
+0.7% YoY
|
Bottom 11% in tier |
| Non-Interest-Bearing Deposit Share ? |
15.52%
-2.2% YoY
+4.7% QoQ
|
-5.52% |
21.05%
-0.9% YoY
|
21.89%
-2.6% YoY
|
21.79%
-1.3% YoY
|
28% |
| Nonperforming Asset Ratio ? |
1.97%
-1.9% YoY
-4.8% QoQ
|
+1.47% |
0.50%
+20.3% YoY
|
0.46%
+7.5% YoY
|
0.48%
+20.8% YoY
|
Bottom 6% in tier |
| Tier 1 Capital Ratio ? |
11.65%
+12.8% YoY
+2.5% QoQ
|
+1.41% |
10.24%
-0.6% YoY
|
11.33%
-0.2% YoY
|
9.75%
-1.9% YoY
|
43% |
| Non-Interest Income / Assets ? |
0.18%
-30.7% YoY
+24.7% QoQ
|
-0.56% |
0.74%
-1.3% YoY
|
0.50%
+4.9% YoY
|
0.65%
+0.6% YoY
|
Bottom 10% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (5)
Liquidity Strain
risk
#44 of 513 · Bottom 8% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
101.15%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
Flatlined Growth
risk
#68 of 245 · Bottom 27% in Community
Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Why this signature
Return on Assets:
0.80%
(Tier: 1.16%, National: 1.12%)
245 of 245 Community banks match
·
308 nationally
↓ Shrinking
-35 banks QoQ
|
QoQ rank improving
Delinquency Rate
metric
Bottom 8%
in Community
Why this stands out
Current:
2.24%
(Tier avg: 0.63%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 6%
in Community
Why this stands out
Current:
1.97%
(Tier avg: 0.50%, National avg: 0.48%)
Non-Interest Income / Assets
metric
Bottom 10%
in Community
Why this stands out
Current:
0.18%
(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
46
46th pctile
Efficiency Ratio
Current: 63.53% · Tier avg: 62.63%
43
43th pctile
Tier 1 Capital Ratio
Current: 11.65% · Tier avg: 10.24%
28
28th pctile
Non-Interest-Bearing Deposit Share
Current: 15.52% · Tier avg: 21.05%
27
27th pctile
Total Loans
Current: $476.8M · Tier avg: $975.5M
25
25th pctile
Return on Assets
Current: 0.80% · Tier avg: 1.16%
24
24th pctile
Net Interest Margin
Current: 3.18% · Tier avg: 3.66%
11
11th pctile
Loan-to-Deposit Ratio
Current: 101.15% · Tier avg: 83.06%
10
10th pctile
Non-Interest Income / Assets
Current: 0.18% · Tier avg: 0.74%
9
9th pctile
Total Deposits
Current: $471.4M · Tier avg: $1.2B
8
8th pctile
Delinquency Rate
Current: 2.24% · Tier avg: 0.63%
6
6th pctile
Nonperforming Asset Ratio
Current: 1.97% · Tier avg: 0.50%
6
6th pctile
Total Assets
Current: $542.7M · Tier avg: $1.4B
Top Weaknesses
6
6th pctile
Total Assets
Current: $542.7M · Tier avg: $1.4B
6
6th pctile
Nonperforming Asset Ratio
Current: 1.97% · Tier avg: 0.50%
8
8th pctile
Delinquency Rate
Current: 2.24% · Tier avg: 0.63%
9
9th pctile
Total Deposits
Current: $471.4M · Tier avg: $1.2B
10
10th pctile
Non-Interest Income / Assets
Current: 0.18% · Tier avg: 0.74%
11
11th pctile
Loan-to-Deposit Ratio
Current: 101.15% · Tier avg: 83.06%
24
24th pctile
Net Interest Margin
Current: 3.18% · Tier avg: 3.66%
25
25th pctile
Return on Assets
Current: 0.80% · Tier avg: 1.16%
27
27th pctile
Total Loans
Current: $476.8M · Tier avg: $975.5M
28
28th pctile
Non-Interest-Bearing Deposit Share
Current: 15.52% · Tier avg: 21.05%
43
43th pctile
Tier 1 Capital Ratio
Current: 11.65% · Tier avg: 10.24%
46
46th pctile
Efficiency Ratio
Current: 63.53% · Tier avg: 62.63%