BlastPoint's Banking Scorecard
Security First Bank of North Dakota
Micro
Specialty: Agricultural
ND
FDIC cert 11519
Designations: ✓ Community bank
New Salem, ND
2498
banks in Micro tier nationally
40 in ND
View Micro leaderboard (ND) →
Security First Bank of North Dakota shows stable performance across key metrics
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$284.6M
+5.0% YoY
+2.0% QoQ
|
+$67.1M |
$217.5M
+2.3% YoY
|
$1.1B
+4.8% YoY
|
$5.9B
+6.5% YoY
|
69% |
| Total Loans ? |
$231.3M
+2.0% YoY
-2.0% QoQ
|
+$92.1M |
$139.2M
+2.8% YoY
|
$765.4M
+5.0% YoY
|
$3.1B
+8.5% YoY
|
82% |
| Total Deposits ? |
$239.9M
+9.2% YoY
+2.0% QoQ
|
+$56.2M |
$183.7M
+1.8% YoY
|
$905.0M
+3.6% YoY
|
$4.7B
+6.3% YoY
|
68% |
| Return on Assets ? |
1.87%
+25.5% YoY
+2.9% QoQ
|
+0.78% |
1.08%
+14.7% YoY
|
1.32%
+12.0% YoY
|
1.12%
+15.6% YoY
|
Top 13% in tier |
| Net Interest Margin ? |
4.82%
+7.6% YoY
+0.1% QoQ
|
+0.97% |
3.85%
+6.6% YoY
|
3.71%
+7.8% YoY
|
3.75%
+7.1% YoY
|
Top 13% in tier |
| Efficiency Ratio ? |
59.10%
-6.7% YoY
+0.7% QoQ
|
-8.62% |
67.73%
-4.8% YoY
|
61.23%
-5.7% YoY
|
65.09%
-5.1% YoY
|
70% |
| Delinquency Rate ? |
1.01%
-49.1% YoY
-44.5% QoQ
|
+0.37% |
0.64%
+24.4% YoY
|
0.75%
+12.5% YoY
|
0.66%
+20.3% YoY
|
29% |
| Loan-to-Deposit Ratio ? |
96.42%
-6.6% YoY
-3.9% QoQ
|
+21.90% |
74.53%
+0.5% YoY
|
72.91%
+0.6% YoY
|
78.04%
+0.7% YoY
|
Top 13% in tier |
| Non-Interest-Bearing Deposit Share ? |
21.92%
-2.8% YoY
+5.4% QoQ
|
-0.48% |
22.39%
-1.3% YoY
|
21.38%
-4.0% YoY
|
21.79%
-1.3% YoY
|
51% |
| Nonperforming Asset Ratio ? |
0.82%
-50.5% YoY
-46.7% QoQ
|
+0.37% |
0.45%
+25.1% YoY
|
0.49%
+9.5% YoY
|
0.48%
+20.8% YoY
|
25% |
| 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 ? |
0.37%
+0.7% YoY
+20.8% QoQ
|
-0.19% |
0.56%
+0.3% YoY
|
0.45%
-9.1% YoY
|
0.65%
+0.6% YoY
|
52% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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
87
87th pctile
Net Interest Margin
Current: 4.82% · Tier avg: 3.85%
87
87th pctile
Loan-to-Deposit Ratio
Current: 96.42% · Tier avg: 74.53%
87
87th pctile
Return on Assets
Current: 1.87% · Tier avg: 1.08%
82
82th pctile
Total Loans
Current: $231.3M · Tier avg: $139.2M
70
70th pctile
Efficiency Ratio
Current: 59.10% · Tier avg: 67.73%
69
69th pctile
Total Assets
Current: $284.6M · Tier avg: $217.5M
68
68th pctile
Total Deposits
Current: $239.9M · Tier avg: $183.7M
52
52th pctile
Non-Interest Income / Assets
Current: 0.37% · Tier avg: 0.56%
51
51th pctile
Non-Interest-Bearing Deposit Share
Current: 21.92% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
29
29th pctile
Delinquency Rate
Current: 1.01% · Tier avg: 0.64%
25
25th pctile
Nonperforming Asset Ratio
Current: 0.82% · Tier avg: 0.45%
Top Weaknesses
25
25th pctile
Nonperforming Asset Ratio
Current: 0.82% · Tier avg: 0.45%
29
29th pctile
Delinquency Rate
Current: 1.01% · Tier avg: 0.64%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
51
51th pctile
Non-Interest-Bearing Deposit Share
Current: 21.92% · Tier avg: 22.39%
52
52th pctile
Non-Interest Income / Assets
Current: 0.37% · Tier avg: 0.56%
68
68th pctile
Total Deposits
Current: $239.9M · Tier avg: $183.7M
69
69th pctile
Total Assets
Current: $284.6M · Tier avg: $217.5M
70
70th pctile
Efficiency Ratio
Current: 59.10% · Tier avg: 67.73%
82
82th pctile
Total Loans
Current: $231.3M · Tier avg: $139.2M
87
87th pctile
Return on Assets
Current: 1.87% · Tier avg: 1.08%
87
87th pctile
Loan-to-Deposit Ratio
Current: 96.42% · Tier avg: 74.53%
87
87th pctile
Net Interest Margin
Current: 4.82% · Tier avg: 3.85%