BlastPoint's Banking Scorecard
Liberty State Bank
Micro
Specialty: Agricultural
ND
FDIC cert 17096
Designations: ✓ Community bank
Powers Lake, ND
2498
banks in Micro tier nationally
40 in ND
View Micro leaderboard (ND) →
Liberty State Bank has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 29.12% below tier
- + Loan-to-Deposit Ratio 33.47% below tier
Key Concerns
Areas that may need attention
- - Non-Interest Income / Assets 0.45% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$157.6M
+12.8% YoY
+3.9% QoQ
|
-$59.9M |
$217.5M
+2.3% YoY
|
$1.1B
+4.8% YoY
|
$5.9B
+6.5% YoY
|
40% |
| Total Loans ? |
$58.3M
+23.5% YoY
+2.3% QoQ
|
-$80.8M |
$139.2M
+2.8% YoY
|
$765.4M
+5.0% YoY
|
$3.1B
+8.5% YoY
|
24% |
| Total Deposits ? |
$142.1M
+12.0% YoY
+4.8% QoQ
|
-$41.6M |
$183.7M
+1.8% YoY
|
$905.0M
+3.6% YoY
|
$4.7B
+6.3% YoY
|
43% |
| Return on Assets ? |
1.72%
+4.1% YoY
-1.7% QoQ
|
+0.63% |
1.08%
+14.7% YoY
|
1.32%
+12.0% YoY
|
1.12%
+15.6% YoY
|
83% |
| Net Interest Margin ? |
3.08%
+7.4% YoY
+0.6% QoQ
|
-0.77% |
3.85%
+6.6% YoY
|
3.71%
+7.8% YoY
|
3.75%
+7.1% YoY
|
18% |
| Efficiency Ratio ? |
38.61%
-5.0% YoY
-1.5% QoQ
|
-29.12% |
67.73%
-4.8% YoY
|
61.23%
-5.7% YoY
|
65.09%
-5.1% YoY
|
Top 1% in tier |
| Delinquency Rate ? | 0.02% | -0.62% |
0.64%
+24.4% YoY
|
0.75%
+12.5% YoY
|
0.66%
+20.3% YoY
|
80% |
| Loan-to-Deposit Ratio ? |
41.06%
+10.3% YoY
-2.4% QoQ
|
-33.47% |
74.53%
+0.5% YoY
|
72.91%
+0.6% YoY
|
78.04%
+0.7% YoY
|
Top 7% in tier |
| Non-Interest-Bearing Deposit Share ? |
29.53%
-5.3% YoY
+3.4% QoQ
|
+7.14% |
22.39%
-1.3% YoY
|
21.38%
-4.0% YoY
|
21.79%
-1.3% YoY
|
78% |
| Nonperforming Asset Ratio ? | 0.01% | -0.44% |
0.45%
+25.1% YoY
|
0.49%
+9.5% YoY
|
0.48%
+20.8% YoY
|
81% |
| 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 ? |
0.11%
-10.3% YoY
+63.6% QoQ
|
-0.45% |
0.56%
+0.3% YoY
|
0.45%
-9.1% YoY
|
0.65%
+0.6% YoY
|
Bottom 9% in tier |
Signature Analysis
Strengths (2)
Efficiency Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
38.61%
(Tier avg: 67.73%, National avg: 65.09%)
Loan-to-Deposit Ratio
metric
Top 7%
in Micro
Why this stands out
Current:
41.06%
(Tier avg: 74.53%, National avg: 78.04%)
Concerns (1)
Non-Interest Income / Assets
metric
Bottom 9%
in Micro
Why this stands out
Current:
0.11%
(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
99
99th pctile
Efficiency Ratio
Current: 38.61% · Tier avg: 67.73%
93
93th pctile
Loan-to-Deposit Ratio
Current: 41.06% · Tier avg: 74.53%
83
83th pctile
Return on Assets
Current: 1.72% · Tier avg: 1.08%
81
81th pctile
Nonperforming Asset Ratio
Current: 0.01% · Tier avg: 0.45%
80
80th pctile
Delinquency Rate
Current: 0.02% · Tier avg: 0.64%
78
78th pctile
Non-Interest-Bearing Deposit Share
Current: 29.53% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
43
43th pctile
Total Deposits
Current: $142.1M · Tier avg: $183.7M
40
40th pctile
Total Assets
Current: $157.6M · Tier avg: $217.5M
24
24th pctile
Total Loans
Current: $58.3M · Tier avg: $139.2M
18
18th pctile
Net Interest Margin
Current: 3.08% · Tier avg: 3.85%
9
9th pctile
Non-Interest Income / Assets
Current: 0.11% · Tier avg: 0.56%
Top Weaknesses
9
9th pctile
Non-Interest Income / Assets
Current: 0.11% · Tier avg: 0.56%
18
18th pctile
Net Interest Margin
Current: 3.08% · Tier avg: 3.85%
24
24th pctile
Total Loans
Current: $58.3M · Tier avg: $139.2M
40
40th pctile
Total Assets
Current: $157.6M · Tier avg: $217.5M
43
43th pctile
Total Deposits
Current: $142.1M · Tier avg: $183.7M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
78
78th pctile
Non-Interest-Bearing Deposit Share
Current: 29.53% · Tier avg: 22.39%
80
80th pctile
Delinquency Rate
Current: 0.02% · Tier avg: 0.64%
81
81th pctile
Nonperforming Asset Ratio
Current: 0.01% · Tier avg: 0.45%
83
83th pctile
Return on Assets
Current: 1.72% · Tier avg: 1.08%
93
93th pctile
Loan-to-Deposit Ratio
Current: 41.06% · Tier avg: 74.53%
99
99th pctile
Efficiency Ratio
Current: 38.61% · Tier avg: 67.73%