BlastPoint's Banking Scorecard
The Goose River Bank
Micro
Specialty: Agricultural
ND
FDIC cert 10236
Designations: ✓ Community bank
Mayville, ND
2498
banks in Micro tier nationally
40 in ND
View Micro leaderboard (ND) →
The Goose River 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
- - Delinquency Rate 2.15% above tier
- - Nonperforming Asset Ratio 1.55% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$178.4M
-2.1% YoY
-0.2% QoQ
|
-$39.1M |
$217.5M
+2.3% YoY
|
$1.1B
+4.8% YoY
|
$5.9B
+6.5% YoY
|
45% |
| Total Loans ? |
$128.1M
-4.8% YoY
-3.2% QoQ
|
-$11.1M |
$139.2M
+2.8% YoY
|
$765.4M
+5.0% YoY
|
$3.1B
+8.5% YoY
|
53% |
| Total Deposits ? |
$152.5M
-2.5% YoY
-0.7% QoQ
|
-$31.2M |
$183.7M
+1.8% YoY
|
$905.0M
+3.6% YoY
|
$4.7B
+6.3% YoY
|
46% |
| Return on Assets ? |
1.31%
-5.2% YoY
+10.2% QoQ
|
+0.22% |
1.08%
+14.7% YoY
|
1.32%
+12.0% YoY
|
1.12%
+15.6% YoY
|
65% |
| Net Interest Margin ? |
4.16%
+3.7% YoY
+1.6% QoQ
|
+0.31% |
3.85%
+6.6% YoY
|
3.71%
+7.8% YoY
|
3.75%
+7.1% YoY
|
66% |
| Efficiency Ratio ? |
66.53%
+2.5% YoY
-2.9% QoQ
|
-1.19% |
67.73%
-4.8% YoY
|
61.23%
-5.7% YoY
|
65.09%
-5.1% YoY
|
49% |
| Delinquency Rate ? |
2.79%
+108.7% YoY
-12.4% QoQ
|
+2.15% |
0.64%
+24.4% YoY
|
0.75%
+12.5% YoY
|
0.66%
+20.3% YoY
|
Bottom 8% in tier |
| Loan-to-Deposit Ratio ? |
83.97%
-2.3% YoY
-2.5% QoQ
|
+9.45% |
74.53%
+0.5% YoY
|
72.91%
+0.6% YoY
|
78.04%
+0.7% YoY
|
34% |
| Non-Interest-Bearing Deposit Share ? |
25.90%
+1.0% YoY
+10.5% QoQ
|
+3.50% |
22.39%
-1.3% YoY
|
21.38%
-4.0% YoY
|
21.79%
-1.3% YoY
|
66% |
| Nonperforming Asset Ratio ? |
2.00%
+102.9% YoY
-15.0% QoQ
|
+1.55% |
0.45%
+25.1% YoY
|
0.49%
+9.5% YoY
|
0.48%
+20.8% YoY
|
Bottom 7% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
7.43%
-1.1% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.29%
-2.4% YoY
+35.6% QoQ
|
-0.27% |
0.56%
+0.3% YoY
|
0.45%
-9.1% YoY
|
0.65%
+0.6% YoY
|
39% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Delinquency Rate
metric
Bottom 8%
in Micro
Why this stands out
Current:
2.79%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 7%
in Micro
Why this stands out
Current:
2.00%
(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
66
66th pctile
Net Interest Margin
Current: 4.16% · Tier avg: 3.85%
66
66th pctile
Non-Interest-Bearing Deposit Share
Current: 25.90% · Tier avg: 22.39%
65
65th pctile
Return on Assets
Current: 1.31% · Tier avg: 1.08%
53
53th pctile
Total Loans
Current: $128.1M · Tier avg: $139.2M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
49
49th pctile
Efficiency Ratio
Current: 66.53% · Tier avg: 67.73%
46
46th pctile
Total Deposits
Current: $152.5M · Tier avg: $183.7M
45
45th pctile
Total Assets
Current: $178.4M · Tier avg: $217.5M
39
39th pctile
Non-Interest Income / Assets
Current: 0.29% · Tier avg: 0.56%
34
34th pctile
Loan-to-Deposit Ratio
Current: 83.97% · Tier avg: 74.53%
8
8th pctile
Delinquency Rate
Current: 2.79% · Tier avg: 0.64%
7
7th pctile
Nonperforming Asset Ratio
Current: 2.00% · Tier avg: 0.45%
Top Weaknesses
7
7th pctile
Nonperforming Asset Ratio
Current: 2.00% · Tier avg: 0.45%
8
8th pctile
Delinquency Rate
Current: 2.79% · Tier avg: 0.64%
34
34th pctile
Loan-to-Deposit Ratio
Current: 83.97% · Tier avg: 74.53%
39
39th pctile
Non-Interest Income / Assets
Current: 0.29% · Tier avg: 0.56%
45
45th pctile
Total Assets
Current: $178.4M · Tier avg: $217.5M
46
46th pctile
Total Deposits
Current: $152.5M · Tier avg: $183.7M
49
49th pctile
Efficiency Ratio
Current: 66.53% · Tier avg: 67.73%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
53
53th pctile
Total Loans
Current: $128.1M · Tier avg: $139.2M
65
65th pctile
Return on Assets
Current: 1.31% · Tier avg: 1.08%
66
66th pctile
Non-Interest-Bearing Deposit Share
Current: 25.90% · Tier avg: 22.39%
66
66th pctile
Net Interest Margin
Current: 4.16% · Tier avg: 3.85%