BlastPoint's Banking Scorecard
State Bank of Lakota
Micro
Specialty: Agricultural
ND
FDIC cert 16477
Designations: ✓ Community bank
Lakota, ND
2498
banks in Micro tier nationally
40 in ND
View Micro leaderboard (ND) →
State Bank of Lakota faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Non-Interest Income / Assets 0.46% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$66.9M
-8.3% YoY
-4.0% QoQ
|
-$150.6M |
$217.5M
+2.3% YoY
|
$1.1B
+4.8% YoY
|
$5.9B
+6.5% YoY
|
Bottom 12% in tier |
| Total Loans ? |
$39.9M
+1.8% YoY
+4.3% QoQ
|
-$99.3M |
$139.2M
+2.8% YoY
|
$765.4M
+5.0% YoY
|
$3.1B
+8.5% YoY
|
15% |
| Total Deposits ? |
$60.6M
-9.5% YoY
-3.8% QoQ
|
-$123.0M |
$183.7M
+1.8% YoY
|
$905.0M
+3.6% YoY
|
$4.7B
+6.3% YoY
|
Bottom 14% in tier |
| Return on Assets ? |
1.26%
-0.3% YoY
+5.9% QoQ
|
+0.18% |
1.08%
+14.7% YoY
|
1.32%
+12.0% YoY
|
1.12%
+15.6% YoY
|
63% |
| Net Interest Margin ? |
3.66%
-3.0% YoY
+2.9% QoQ
|
-0.20% |
3.85%
+6.6% YoY
|
3.71%
+7.8% YoY
|
3.75%
+7.1% YoY
|
42% |
| Efficiency Ratio ? |
64.73%
+4.0% YoY
-1.3% QoQ
|
-2.99% |
67.73%
-4.8% YoY
|
61.23%
-5.7% YoY
|
65.09%
-5.1% YoY
|
54% |
| Delinquency Rate ? |
0.50%
+118.3% YoY
-60.2% QoQ
|
-0.14% |
0.64%
+24.4% YoY
|
0.75%
+12.5% YoY
|
0.66%
+20.3% YoY
|
45% |
| Loan-to-Deposit Ratio ? |
65.77%
+12.5% YoY
+8.4% QoQ
|
-8.76% |
74.53%
+0.5% YoY
|
72.91%
+0.6% YoY
|
78.04%
+0.7% YoY
|
32% |
| Non-Interest-Bearing Deposit Share ? |
27.47%
+22.6% YoY
+13.9% QoQ
|
+5.08% |
22.39%
-1.3% YoY
|
21.38%
-4.0% YoY
|
21.79%
-1.3% YoY
|
72% |
| Nonperforming Asset Ratio ? |
0.30%
+142.4% YoY
-56.8% QoQ
|
-0.15% |
0.45%
+25.1% YoY
|
0.49%
+9.5% YoY
|
0.48%
+20.8% YoY
|
49% |
| Tier 1 Capital Ratio ? |
14.18%
+5.2% YoY
-1.3% QoQ
|
+5.32% |
8.85%
-3.4% YoY
|
7.43%
-1.1% YoY
|
9.75%
-1.9% YoY
|
69% |
| Non-Interest Income / Assets ? |
0.10%
-34.2% YoY
+45.4% QoQ
|
-0.46% |
0.56%
+0.3% YoY
|
0.45%
-9.1% YoY
|
0.65%
+0.6% YoY
|
Bottom 8% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Non-Interest Income / Assets
metric
Bottom 8%
in Micro
Why this stands out
Current:
0.10%
(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
72
72th pctile
Non-Interest-Bearing Deposit Share
Current: 27.47% · Tier avg: 22.39%
69
69th pctile
Tier 1 Capital Ratio
Current: 14.18% · Tier avg: 8.85%
63
63th pctile
Return on Assets
Current: 1.26% · Tier avg: 1.08%
54
54th pctile
Efficiency Ratio
Current: 64.73% · Tier avg: 67.73%
49
49th pctile
Nonperforming Asset Ratio
Current: 0.30% · Tier avg: 0.45%
45
45th pctile
Delinquency Rate
Current: 0.50% · Tier avg: 0.64%
42
42th pctile
Net Interest Margin
Current: 3.66% · Tier avg: 3.85%
32
32th pctile
Loan-to-Deposit Ratio
Current: 65.77% · Tier avg: 74.53%
15
15th pctile
Total Loans
Current: $39.9M · Tier avg: $139.2M
14
14th pctile
Total Deposits
Current: $60.6M · Tier avg: $183.7M
12
12th pctile
Total Assets
Current: $66.9M · Tier avg: $217.5M
8
8th pctile
Non-Interest Income / Assets
Current: 0.10% · Tier avg: 0.56%
Top Weaknesses
8
8th pctile
Non-Interest Income / Assets
Current: 0.10% · Tier avg: 0.56%
12
12th pctile
Total Assets
Current: $66.9M · Tier avg: $217.5M
14
14th pctile
Total Deposits
Current: $60.6M · Tier avg: $183.7M
15
15th pctile
Total Loans
Current: $39.9M · Tier avg: $139.2M
32
32th pctile
Loan-to-Deposit Ratio
Current: 65.77% · Tier avg: 74.53%
42
42th pctile
Net Interest Margin
Current: 3.66% · Tier avg: 3.85%
45
45th pctile
Delinquency Rate
Current: 0.50% · Tier avg: 0.64%
49
49th pctile
Nonperforming Asset Ratio
Current: 0.30% · Tier avg: 0.45%
54
54th pctile
Efficiency Ratio
Current: 64.73% · Tier avg: 67.73%
63
63th pctile
Return on Assets
Current: 1.26% · Tier avg: 1.08%
69
69th pctile
Tier 1 Capital Ratio
Current: 14.18% · Tier avg: 8.85%
72
72th pctile
Non-Interest-Bearing Deposit Share
Current: 27.47% · Tier avg: 22.39%