BlastPoint's Banking Scorecard
First State Bank
Micro
Specialty: Agricultural
ND
FDIC cert 15539
Designations: ✓ Community bank
Buxton, ND
2498
banks in Micro tier nationally
40 in ND
View Micro leaderboard (ND) →
First State Bank shows strong momentum with 3 strengths and 7.6% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Loan-to-Deposit Ratio 24.91% above tier
- + Nonperforming Asset Ratio 0.45% below tier
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 ? |
$409.7M
+7.6% YoY
+1.7% QoQ
|
+$192.2M |
$217.5M
+2.3% YoY
|
$1.1B
+4.8% YoY
|
$5.9B
+6.5% YoY
|
Top 11% in tier |
| Total Loans ? |
$363.8M
+6.2% YoY
-1.0% QoQ
|
+$224.6M |
$139.2M
+2.8% YoY
|
$765.4M
+5.0% YoY
|
$3.1B
+8.5% YoY
|
Top 2% in tier |
| Total Deposits ? |
$365.8M
+10.4% YoY
+7.6% QoQ
|
+$182.2M |
$183.7M
+1.8% YoY
|
$905.0M
+3.6% YoY
|
$4.7B
+6.3% YoY
|
Top 8% in tier |
| Return on Assets ? |
1.45%
+51.9% YoY
-5.8% QoQ
|
+0.36% |
1.08%
+14.7% YoY
|
1.32%
+12.0% YoY
|
1.12%
+15.6% YoY
|
72% |
| Net Interest Margin ? |
3.62%
+19.5% YoY
+3.2% QoQ
|
-0.23% |
3.85%
+6.6% YoY
|
3.71%
+7.8% YoY
|
3.75%
+7.1% YoY
|
40% |
| Efficiency Ratio ? |
59.69%
-11.7% YoY
+6.5% QoQ
|
-8.04% |
67.73%
-4.8% YoY
|
61.23%
-5.7% YoY
|
65.09%
-5.1% YoY
|
68% |
| Delinquency Rate ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-0.64% |
0.64%
+24.4% YoY
|
0.75%
+12.5% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
99.43%
-3.8% YoY
-8.0% QoQ
|
+24.91% |
74.53%
+0.5% YoY
|
72.91%
+0.6% YoY
|
78.04%
+0.7% YoY
|
Top 9% in tier |
| Non-Interest-Bearing Deposit Share ? |
15.34%
-2.1% YoY
+4.3% QoQ
|
-7.05% |
22.39%
-1.3% YoY
|
21.38%
-4.0% YoY
|
21.79%
-1.3% YoY
|
24% |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-0.45% |
0.45%
+25.1% YoY
|
0.49%
+9.5% YoY
|
0.48%
+20.8% YoY
|
Top 1% 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 ? |
0.35%
+11.8% YoY
+36.0% QoQ
|
-0.21% |
0.56%
+0.3% YoY
|
0.45%
-9.1% YoY
|
0.65%
+0.6% YoY
|
49% |
Signature Analysis
Strengths (3)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Loan-to-Deposit Ratio
metric
Top 9%
in Micro
Why this stands out
Current:
99.43%
(Tier avg: 74.53%, National avg: 78.04%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
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
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
98
98th pctile
Total Loans
Current: $363.8M · Tier avg: $139.2M
92
92th pctile
Total Deposits
Current: $365.8M · Tier avg: $183.7M
91
91th pctile
Loan-to-Deposit Ratio
Current: 99.43% · Tier avg: 74.53%
89
89th pctile
Total Assets
Current: $409.7M · Tier avg: $217.5M
72
72th pctile
Return on Assets
Current: 1.45% · Tier avg: 1.08%
68
68th pctile
Efficiency Ratio
Current: 59.69% · Tier avg: 67.73%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
49
49th pctile
Non-Interest Income / Assets
Current: 0.35% · Tier avg: 0.56%
40
40th pctile
Net Interest Margin
Current: 3.62% · Tier avg: 3.85%
24
24th pctile
Non-Interest-Bearing Deposit Share
Current: 15.34% · Tier avg: 22.39%
Top Weaknesses
24
24th pctile
Non-Interest-Bearing Deposit Share
Current: 15.34% · Tier avg: 22.39%
40
40th pctile
Net Interest Margin
Current: 3.62% · Tier avg: 3.85%
49
49th pctile
Non-Interest Income / Assets
Current: 0.35% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
68
68th pctile
Efficiency Ratio
Current: 59.69% · Tier avg: 67.73%
72
72th pctile
Return on Assets
Current: 1.45% · Tier avg: 1.08%
89
89th pctile
Total Assets
Current: $409.7M · Tier avg: $217.5M
91
91th pctile
Loan-to-Deposit Ratio
Current: 99.43% · Tier avg: 74.53%
92
92th pctile
Total Deposits
Current: $365.8M · Tier avg: $183.7M
98
98th pctile
Total Loans
Current: $363.8M · Tier avg: $139.2M
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%