BlastPoint's Banking Scorecard
First State Bank of Golva
Micro
Specialty: Agricultural
ND
FDIC cert 10243
Designations: ✓ Community bank
Golva, ND
2498
banks in Micro tier nationally
40 in ND
View Micro leaderboard (ND) →
First State Bank of Golva has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.43% above tier
- + Efficiency Ratio 28.86% below tier
Key Concerns
Areas that may need attention
- - Delinquency Rate 2.33% above tier
- - Loan-to-Deposit Ratio 32.37% below tier
- - Non-Interest Income / Assets 0.45% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$117.0M
+8.6% YoY
+4.1% QoQ
|
-$100.5M |
$217.5M
+2.3% YoY
|
$1.1B
+4.8% YoY
|
$5.9B
+6.5% YoY
|
28% |
| Total Loans ? |
$45.7M
+8.0% YoY
-0.5% QoQ
|
-$93.4M |
$139.2M
+2.8% YoY
|
$765.4M
+5.0% YoY
|
$3.1B
+8.5% YoY
|
18% |
| Total Deposits ? |
$108.5M
+7.0% YoY
+3.4% QoQ
|
-$75.2M |
$183.7M
+1.8% YoY
|
$905.0M
+3.6% YoY
|
$4.7B
+6.3% YoY
|
31% |
| Return on Assets ? |
2.52%
-7.6% YoY
+1.5% QoQ
|
+1.43% |
1.08%
+14.7% YoY
|
1.32%
+12.0% YoY
|
1.12%
+15.6% YoY
|
Top 4% in tier |
| Net Interest Margin ? |
4.16%
-8.3% YoY
-0.4% QoQ
|
+0.30% |
3.85%
+6.6% YoY
|
3.71%
+7.8% YoY
|
3.75%
+7.1% YoY
|
66% |
| Efficiency Ratio ? |
38.87%
-0.1% YoY
-2.6% QoQ
|
-28.86% |
67.73%
-4.8% YoY
|
61.23%
-5.7% YoY
|
65.09%
-5.1% YoY
|
Top 2% in tier |
| Delinquency Rate ? |
2.97%
+0.5% YoY
+0.3% QoQ
|
+2.33% |
0.64%
+24.4% YoY
|
0.75%
+12.5% YoY
|
0.66%
+20.3% YoY
|
Bottom 7% in tier |
| Loan-to-Deposit Ratio ? |
42.16%
+1.0% YoY
-3.8% QoQ
|
-32.37% |
74.53%
+0.5% YoY
|
72.91%
+0.6% YoY
|
78.04%
+0.7% YoY
|
Bottom 7% in tier |
| Non-Interest-Bearing Deposit Share ? |
25.66%
-6.8% YoY
+2.9% QoQ
|
+3.27% |
22.39%
-1.3% YoY
|
21.38%
-4.0% YoY
|
21.79%
-1.3% YoY
|
65% |
| Nonperforming Asset Ratio ? |
1.16%
-0.0% YoY
-4.1% QoQ
|
+0.71% |
0.45%
+25.1% YoY
|
0.49%
+9.5% YoY
|
0.48%
+20.8% YoY
|
16% |
| Tier 1 Capital Ratio ? |
17.24%
+9.2% YoY
+5.1% QoQ
|
+8.38% |
8.85%
-3.4% YoY
|
7.43%
-1.1% YoY
|
9.75%
-1.9% YoY
|
80% |
| Non-Interest Income / Assets ? |
0.11%
+3.1% YoY
+63.4% QoQ
|
-0.45% |
0.56%
+0.3% YoY
|
0.45%
-9.1% YoY
|
0.65%
+0.6% YoY
|
Bottom 10% in tier |
Signature Analysis
Strengths (2)
Return on Assets
metric
Top 4%
in Micro
Why this stands out
Current:
2.52%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Top 2%
in Micro
Why this stands out
Current:
38.87%
(Tier avg: 67.73%, National avg: 65.09%)
Concerns (3)
Delinquency Rate
metric
Bottom 7%
in Micro
Why this stands out
Current:
2.97%
(Tier avg: 0.64%, National avg: 0.66%)
Loan-to-Deposit Ratio
metric
Bottom 7%
in Micro
Why this stands out
Current:
42.16%
(Tier avg: 74.53%, National avg: 78.04%)
Non-Interest Income / Assets
metric
Bottom 10%
in Micro
Why this stands out
Current:
0.11%
(Tier avg: 0.56%, 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
98
98th pctile
Efficiency Ratio
Current: 38.87% · Tier avg: 67.73%
96
96th pctile
Return on Assets
Current: 2.52% · Tier avg: 1.08%
80
80th pctile
Tier 1 Capital Ratio
Current: 17.24% · Tier avg: 8.85%
66
66th pctile
Net Interest Margin
Current: 4.16% · Tier avg: 3.85%
65
65th pctile
Non-Interest-Bearing Deposit Share
Current: 25.66% · Tier avg: 22.39%
31
31th pctile
Total Deposits
Current: $108.5M · Tier avg: $183.7M
28
28th pctile
Total Assets
Current: $117.0M · Tier avg: $217.5M
18
18th pctile
Total Loans
Current: $45.7M · Tier avg: $139.2M
16
16th pctile
Nonperforming Asset Ratio
Current: 1.16% · Tier avg: 0.45%
10
10th pctile
Non-Interest Income / Assets
Current: 0.11% · Tier avg: 0.56%
7
7th pctile
Loan-to-Deposit Ratio
Current: 42.16% · Tier avg: 74.53%
7
7th pctile
Delinquency Rate
Current: 2.97% · Tier avg: 0.64%
Top Weaknesses
7
7th pctile
Delinquency Rate
Current: 2.97% · Tier avg: 0.64%
7
7th pctile
Loan-to-Deposit Ratio
Current: 42.16% · Tier avg: 74.53%
10
10th pctile
Non-Interest Income / Assets
Current: 0.11% · Tier avg: 0.56%
16
16th pctile
Nonperforming Asset Ratio
Current: 1.16% · Tier avg: 0.45%
18
18th pctile
Total Loans
Current: $45.7M · Tier avg: $139.2M
28
28th pctile
Total Assets
Current: $117.0M · Tier avg: $217.5M
31
31th pctile
Total Deposits
Current: $108.5M · Tier avg: $183.7M
65
65th pctile
Non-Interest-Bearing Deposit Share
Current: 25.66% · Tier avg: 22.39%
66
66th pctile
Net Interest Margin
Current: 4.16% · Tier avg: 3.85%
80
80th pctile
Tier 1 Capital Ratio
Current: 17.24% · Tier avg: 8.85%
96
96th pctile
Return on Assets
Current: 2.52% · Tier avg: 1.08%
98
98th pctile
Efficiency Ratio
Current: 38.87% · Tier avg: 67.73%