BlastPoint's Banking Scorecard
First State Bank of Cando
Micro
Specialty: Agricultural
ND
FDIC cert 15471
Designations: ✓ Community bank
Cando, ND
2498
banks in Micro tier nationally
40 in ND
View Micro leaderboard (ND) →
First State Bank of Cando 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 ? |
$74.2M
-1.9% YoY
+2.8% QoQ
|
-$143.3M |
$217.5M
+2.3% YoY
|
$1.1B
+4.8% YoY
|
$5.9B
+6.5% YoY
|
Bottom 14% in tier |
| Total Loans ? |
$27.1M
-7.0% YoY
-2.1% QoQ
|
-$112.1M |
$139.2M
+2.8% YoY
|
$765.4M
+5.0% YoY
|
$3.1B
+8.5% YoY
|
Bottom 10% in tier |
| Total Deposits ? |
$67.4M
-0.8% YoY
+5.2% QoQ
|
-$116.3M |
$183.7M
+1.8% YoY
|
$905.0M
+3.6% YoY
|
$4.7B
+6.3% YoY
|
16% |
| Return on Assets ? |
1.02%
+97.1% YoY
+6.0% QoQ
|
-0.06% |
1.08%
+14.7% YoY
|
1.32%
+12.0% YoY
|
1.12%
+15.6% YoY
|
47% |
| Net Interest Margin ? |
3.16%
+20.8% YoY
+0.8% QoQ
|
-0.69% |
3.85%
+6.6% YoY
|
3.71%
+7.8% YoY
|
3.75%
+7.1% YoY
|
21% |
| Efficiency Ratio ? |
67.25%
-16.8% YoY
-2.1% QoQ
|
-0.47% |
67.73%
-4.8% YoY
|
61.23%
-5.7% YoY
|
65.09%
-5.1% YoY
|
47% |
| Delinquency Rate ? |
0.04%
-92.9% YoY
+240.4% QoQ
|
-0.60% |
0.64%
+24.4% YoY
|
0.75%
+12.5% YoY
|
0.66%
+20.3% YoY
|
77% |
| Loan-to-Deposit Ratio ? |
40.17%
-6.3% YoY
-6.9% QoQ
|
-34.35% |
74.53%
+0.5% YoY
|
72.91%
+0.6% YoY
|
78.04%
+0.7% YoY
|
Top 6% in tier |
| Non-Interest-Bearing Deposit Share ? |
27.71%
-9.1% YoY
-3.4% QoQ
|
+5.31% |
22.39%
-1.3% YoY
|
21.38%
-4.0% YoY
|
21.79%
-1.3% YoY
|
72% |
| Nonperforming Asset Ratio ? |
0.01%
-93.3% YoY
+224.4% QoQ
|
-0.44% |
0.45%
+25.1% YoY
|
0.49%
+9.5% YoY
|
0.48%
+20.8% YoY
|
80% |
| Tier 1 Capital Ratio ? |
22.63%
+10.2% YoY
+4.6% QoQ
|
+13.78% |
8.85%
-3.4% YoY
|
7.43%
-1.1% YoY
|
9.75%
-1.9% YoY
|
Top 9% in tier |
| Non-Interest Income / Assets ? |
0.17%
+9.7% YoY
+40.4% QoQ
|
-0.39% |
0.56%
+0.3% YoY
|
0.45%
-9.1% YoY
|
0.65%
+0.6% YoY
|
18% |
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
94
94th pctile
Loan-to-Deposit Ratio
Current: 40.17% · Tier avg: 74.53%
91
91th pctile
Tier 1 Capital Ratio
Current: 22.63% · Tier avg: 8.85%
80
80th pctile
Nonperforming Asset Ratio
Current: 0.01% · Tier avg: 0.45%
77
77th pctile
Delinquency Rate
Current: 0.04% · Tier avg: 0.64%
72
72th pctile
Non-Interest-Bearing Deposit Share
Current: 27.71% · Tier avg: 22.39%
47
47th pctile
Return on Assets
Current: 1.02% · Tier avg: 1.08%
47
47th pctile
Efficiency Ratio
Current: 67.25% · Tier avg: 67.73%
21
21th pctile
Net Interest Margin
Current: 3.16% · Tier avg: 3.85%
18
18th pctile
Non-Interest Income / Assets
Current: 0.17% · Tier avg: 0.56%
16
16th pctile
Total Deposits
Current: $67.4M · Tier avg: $183.7M
14
14th pctile
Total Assets
Current: $74.2M · Tier avg: $217.5M
10
10th pctile
Total Loans
Current: $27.1M · Tier avg: $139.2M
Top Weaknesses
10
10th pctile
Total Loans
Current: $27.1M · Tier avg: $139.2M
14
14th pctile
Total Assets
Current: $74.2M · Tier avg: $217.5M
16
16th pctile
Total Deposits
Current: $67.4M · Tier avg: $183.7M
18
18th pctile
Non-Interest Income / Assets
Current: 0.17% · Tier avg: 0.56%
21
21th pctile
Net Interest Margin
Current: 3.16% · Tier avg: 3.85%
47
47th pctile
Efficiency Ratio
Current: 67.25% · Tier avg: 67.73%
47
47th pctile
Return on Assets
Current: 1.02% · Tier avg: 1.08%
72
72th pctile
Non-Interest-Bearing Deposit Share
Current: 27.71% · Tier avg: 22.39%
77
77th pctile
Delinquency Rate
Current: 0.04% · Tier avg: 0.64%
80
80th pctile
Nonperforming Asset Ratio
Current: 0.01% · Tier avg: 0.45%
91
91th pctile
Tier 1 Capital Ratio
Current: 22.63% · Tier avg: 8.85%
94
94th pctile
Loan-to-Deposit Ratio
Current: 40.17% · Tier avg: 74.53%