BlastPoint's Banking Scorecard
First Security Bank - West
Micro
Specialty: Commercial
ND
FDIC cert 10253
Designations: ✓ Community bank
Beulah, ND
2498
banks in Micro tier nationally
40 in ND
View Micro leaderboard (ND) →
First Security Bank - West has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Tier 1 Capital Ratio 27.57% above tier
Key Concerns
Areas that may need attention
- - Delinquency Rate 3.12% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$70.4M
+1.2% YoY
+3.7% QoQ
|
-$147.1M |
$217.5M
+2.3% YoY
|
$1.1B
+4.8% YoY
|
$5.9B
+6.5% YoY
|
Bottom 13% in tier |
| Total Loans ? |
$29.9M
+15.0% YoY
+2.7% QoQ
|
-$109.2M |
$139.2M
+2.8% YoY
|
$765.4M
+5.0% YoY
|
$3.1B
+8.5% YoY
|
Bottom 11% in tier |
| Total Deposits ? |
$62.0M
-1.4% YoY
+3.4% QoQ
|
-$121.7M |
$183.7M
+1.8% YoY
|
$905.0M
+3.6% YoY
|
$4.7B
+6.3% YoY
|
Bottom 14% in tier |
| Return on Assets ? |
1.62%
-12.4% YoY
+4.5% QoQ
|
+0.53% |
1.08%
+14.7% YoY
|
1.32%
+12.0% YoY
|
1.12%
+15.6% YoY
|
79% |
| Net Interest Margin ? |
3.96%
+1.7% YoY
+0.9% QoQ
|
+0.10% |
3.85%
+6.6% YoY
|
3.71%
+7.8% YoY
|
3.75%
+7.1% YoY
|
56% |
| Efficiency Ratio ? |
60.25%
+2.5% YoY
-0.9% QoQ
|
-7.47% |
67.73%
-4.8% YoY
|
61.23%
-5.7% YoY
|
65.09%
-5.1% YoY
|
67% |
| Delinquency Rate ? | 3.76% | +3.12% |
0.64%
+24.4% YoY
|
0.75%
+12.5% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
48.31%
+16.6% YoY
-0.7% QoQ
|
-26.22% |
74.53%
+0.5% YoY
|
72.91%
+0.6% YoY
|
78.04%
+0.7% YoY
|
Top 12% in tier |
| Non-Interest-Bearing Deposit Share ? |
28.43%
+1.7% YoY
+4.0% QoQ
|
+6.04% |
22.39%
-1.3% YoY
|
21.38%
-4.0% YoY
|
21.79%
-1.3% YoY
|
74% |
| Nonperforming Asset Ratio ? | 1.60% | +1.15% |
0.45%
+25.1% YoY
|
0.49%
+9.5% YoY
|
0.48%
+20.8% YoY
|
Bottom 10% in tier |
| Tier 1 Capital Ratio ? |
36.42%
+16.7% YoY
-0.7% QoQ
|
+27.57% |
8.85%
-3.4% YoY
|
7.43%
-1.1% YoY
|
9.75%
-1.9% YoY
|
Top 2% in tier |
| Non-Interest Income / Assets ? |
0.19%
-12.2% YoY
+32.9% QoQ
|
-0.37% |
0.56%
+0.3% YoY
|
0.45%
-9.1% YoY
|
0.65%
+0.6% YoY
|
22% |
Signature Analysis
Strengths (1)
Tier 1 Capital Ratio
metric
Top 2%
in Micro
Why this stands out
Current:
36.42%
(Tier avg: 8.85%, National avg: 9.75%)
Concerns (1)
Delinquency Rate
metric
Bottom 1%
in Micro
Why this stands out
Current:
3.76%
(Tier avg: 0.64%, National avg: 0.66%)
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
Tier 1 Capital Ratio
Current: 36.42% · Tier avg: 8.85%
88
88th pctile
Loan-to-Deposit Ratio
Current: 48.31% · Tier avg: 74.53%
79
79th pctile
Return on Assets
Current: 1.62% · Tier avg: 1.08%
74
74th pctile
Non-Interest-Bearing Deposit Share
Current: 28.43% · Tier avg: 22.39%
67
67th pctile
Efficiency Ratio
Current: 60.25% · Tier avg: 67.73%
56
56th pctile
Net Interest Margin
Current: 3.96% · Tier avg: 3.85%
22
22th pctile
Non-Interest Income / Assets
Current: 0.19% · Tier avg: 0.56%
14
14th pctile
Total Deposits
Current: $62.0M · Tier avg: $183.7M
13
13th pctile
Total Assets
Current: $70.4M · Tier avg: $217.5M
11
11th pctile
Total Loans
Current: $29.9M · Tier avg: $139.2M
10
10th pctile
Nonperforming Asset Ratio
Current: 1.60% · Tier avg: 0.45%
0
0th pctile
Delinquency Rate
Current: 3.76% · Tier avg: 0.64%
Top Weaknesses
0
0th pctile
Delinquency Rate
Current: 3.76% · Tier avg: 0.64%
10
10th pctile
Nonperforming Asset Ratio
Current: 1.60% · Tier avg: 0.45%
11
11th pctile
Total Loans
Current: $29.9M · Tier avg: $139.2M
13
13th pctile
Total Assets
Current: $70.4M · Tier avg: $217.5M
14
14th pctile
Total Deposits
Current: $62.0M · Tier avg: $183.7M
22
22th pctile
Non-Interest Income / Assets
Current: 0.19% · Tier avg: 0.56%
56
56th pctile
Net Interest Margin
Current: 3.96% · Tier avg: 3.85%
67
67th pctile
Efficiency Ratio
Current: 60.25% · Tier avg: 67.73%
74
74th pctile
Non-Interest-Bearing Deposit Share
Current: 28.43% · Tier avg: 22.39%
79
79th pctile
Return on Assets
Current: 1.62% · Tier avg: 1.08%
88
88th pctile
Loan-to-Deposit Ratio
Current: 48.31% · Tier avg: 74.53%
98
98th pctile
Tier 1 Capital Ratio
Current: 36.42% · Tier avg: 8.85%