BlastPoint's Banking Scorecard
The First State Bank of Rosemount
Micro
Specialty: Commercial
MN
FDIC cert 9769
Designations: ✓ Community bank
Rosemount, MN
2498
banks in Micro tier nationally
179 in MN
View Micro leaderboard (MN) →
The First State Bank of Rosemount faces 3 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Return on Assets 0.98% below tier
- - Delinquency Rate 3.13% above tier
- - Nonperforming Asset Ratio 2.21% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$151.6M
+15.0% YoY
+0.1% QoQ
|
-$65.9M |
$217.5M
+2.3% YoY
|
$508.2M
+6.2% YoY
|
$5.9B
+6.5% YoY
|
38% |
| Total Loans ? |
$107.2M
+13.9% YoY
+2.2% QoQ
|
-$32.0M |
$139.2M
+2.8% YoY
|
$283.0M
+6.2% YoY
|
$3.1B
+8.5% YoY
|
45% |
| Total Deposits ? |
$144.1M
+14.7% YoY
-0.0% QoQ
|
-$39.6M |
$183.7M
+1.8% YoY
|
$438.4M
+5.3% YoY
|
$4.7B
+6.3% YoY
|
44% |
| Return on Assets ? |
0.11%
-65.0% YoY
-66.3% QoQ
|
-0.98% |
1.08%
+14.7% YoY
|
1.11%
+14.5% YoY
|
1.12%
+15.6% YoY
|
Bottom 8% in tier |
| Net Interest Margin ? |
3.17%
+1.1% YoY
-2.6% QoQ
|
-0.68% |
3.85%
+6.6% YoY
|
3.81%
+8.2% YoY
|
3.75%
+7.1% YoY
|
21% |
| Efficiency Ratio ? |
86.18%
+3.8% YoY
+3.5% QoQ
|
+18.45% |
67.73%
-4.8% YoY
|
65.34%
-5.0% YoY
|
65.09%
-5.1% YoY
|
Bottom 12% in tier |
| Delinquency Rate ? |
3.77%
+4.5% YoY
-10.2% QoQ
|
+3.13% |
0.64%
+24.4% YoY
|
0.65%
+17.8% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
74.42%
-0.7% YoY
+2.3% QoQ
|
-0.10% |
74.53%
+0.5% YoY
|
76.97%
-0.8% YoY
|
78.04%
+0.7% YoY
|
46% |
| Non-Interest-Bearing Deposit Share ? |
19.33%
-15.7% YoY
+2.5% QoQ
|
-3.07% |
22.39%
-1.3% YoY
|
21.89%
-2.6% YoY
|
21.79%
-1.3% YoY
|
40% |
| Nonperforming Asset Ratio ? |
2.66%
+3.4% YoY
-8.3% QoQ
|
+2.21% |
0.45%
+25.1% YoY
|
0.46%
+7.5% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? |
8.78%
-8.9% YoY
-1.4% QoQ
|
-0.07% |
8.85%
-3.4% YoY
|
11.33%
-0.2% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.17%
+12.9% YoY
+29.1% QoQ
|
-0.39% |
0.56%
+0.3% YoY
|
0.50%
+4.9% YoY
|
0.65%
+0.6% YoY
|
19% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (3)
Return on Assets
metric
Bottom 8%
in Micro
Why this stands out
Current:
0.11%
(Tier avg: 1.08%, National avg: 1.12%)
Delinquency Rate
metric
Bottom 1%
in Micro
Why this stands out
Current:
3.77%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
2.66%
(Tier avg: 0.45%, National avg: 0.48%)
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
51
51th pctile
Tier 1 Capital Ratio
Current: 8.78% · Tier avg: 8.85%
46
46th pctile
Loan-to-Deposit Ratio
Current: 74.42% · Tier avg: 74.53%
45
45th pctile
Total Loans
Current: $107.2M · Tier avg: $139.2M
44
44th pctile
Total Deposits
Current: $144.1M · Tier avg: $183.7M
40
40th pctile
Non-Interest-Bearing Deposit Share
Current: 19.33% · Tier avg: 22.39%
38
38th pctile
Total Assets
Current: $151.6M · Tier avg: $217.5M
21
21th pctile
Net Interest Margin
Current: 3.17% · Tier avg: 3.85%
19
19th pctile
Non-Interest Income / Assets
Current: 0.17% · Tier avg: 0.56%
12
12th pctile
Efficiency Ratio
Current: 86.18% · Tier avg: 67.73%
8
8th pctile
Return on Assets
Current: 0.11% · Tier avg: 1.08%
0
0th pctile
Delinquency Rate
Current: 3.77% · Tier avg: 0.64%
0
0th pctile
Nonperforming Asset Ratio
Current: 2.66% · Tier avg: 0.45%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 2.66% · Tier avg: 0.45%
0
0th pctile
Delinquency Rate
Current: 3.77% · Tier avg: 0.64%
8
8th pctile
Return on Assets
Current: 0.11% · Tier avg: 1.08%
12
12th pctile
Efficiency Ratio
Current: 86.18% · Tier avg: 67.73%
19
19th pctile
Non-Interest Income / Assets
Current: 0.17% · Tier avg: 0.56%
21
21th pctile
Net Interest Margin
Current: 3.17% · Tier avg: 3.85%
38
38th pctile
Total Assets
Current: $151.6M · Tier avg: $217.5M
40
40th pctile
Non-Interest-Bearing Deposit Share
Current: 19.33% · Tier avg: 22.39%
44
44th pctile
Total Deposits
Current: $144.1M · Tier avg: $183.7M
45
45th pctile
Total Loans
Current: $107.2M · Tier avg: $139.2M
46
46th pctile
Loan-to-Deposit Ratio
Current: 74.42% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 8.78% · Tier avg: 8.85%