BlastPoint's Banking Scorecard
The Bank of Tioga
Micro
Specialty: Agricultural
ND
FDIC cert 17280
Designations: ✓ Community bank
Tioga, ND
2498
banks in Micro tier nationally
40 in ND
View Micro leaderboard (ND) →
The Bank of Tioga has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Loan-to-Deposit Ratio 44.09% below tier
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.47% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$394.4M
-8.8% YoY
-5.0% QoQ
|
+$177.0M |
$217.5M
+2.3% YoY
|
$1.1B
+4.8% YoY
|
$5.9B
+6.5% YoY
|
Top 12% in tier |
| Total Loans ? |
$117.7M
+10.6% YoY
-5.3% QoQ
|
-$21.5M |
$139.2M
+2.8% YoY
|
$765.4M
+5.0% YoY
|
$3.1B
+8.5% YoY
|
49% |
| Total Deposits ? |
$386.8M
-9.5% YoY
-5.4% QoQ
|
+$203.1M |
$183.7M
+1.8% YoY
|
$905.0M
+3.6% YoY
|
$4.7B
+6.3% YoY
|
Top 5% in tier |
| Return on Assets ? |
0.62%
-45.4% YoY
-10.4% QoQ
|
-0.47% |
1.08%
+14.7% YoY
|
1.32%
+12.0% YoY
|
1.12%
+15.6% YoY
|
23% |
| Net Interest Margin ? |
2.38%
+3.5% YoY
+0.6% QoQ
|
-1.47% |
3.85%
+6.6% YoY
|
3.71%
+7.8% YoY
|
3.75%
+7.1% YoY
|
Bottom 4% in tier |
| Efficiency Ratio ? |
60.80%
+30.7% YoY
+1.6% QoQ
|
-6.92% |
67.73%
-4.8% YoY
|
61.23%
-5.7% YoY
|
65.09%
-5.1% YoY
|
65% |
| Delinquency Rate ? |
0.00%
-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 ? |
30.43%
+22.2% YoY
+0.1% QoQ
|
-44.09% |
74.53%
+0.5% YoY
|
72.91%
+0.6% YoY
|
78.04%
+0.7% YoY
|
Top 2% in tier |
| Non-Interest-Bearing Deposit Share ? |
9.59%
+33.4% YoY
+10.7% QoQ
|
-12.80% |
22.39%
-1.3% YoY
|
21.38%
-4.0% YoY
|
21.79%
-1.3% YoY
|
Bottom 11% in tier |
| Nonperforming Asset Ratio ? |
0.09%
-65.6% YoY
-80.8% QoQ
|
-0.37% |
0.45%
+25.1% YoY
|
0.49%
+9.5% YoY
|
0.48%
+20.8% YoY
|
69% |
| Tier 1 Capital Ratio ? |
15.27%
+8.0% YoY
+6.9% QoQ
|
+6.42% |
8.85%
-3.4% YoY
|
7.43%
-1.1% YoY
|
9.75%
-1.9% YoY
|
73% |
| Non-Interest Income / Assets ? |
0.42%
-64.4% YoY
+22.1% QoQ
|
-0.14% |
0.56%
+0.3% YoY
|
0.45%
-9.1% YoY
|
0.65%
+0.6% YoY
|
58% |
Signature Analysis
Strengths (2)
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 2%
in Micro
Why this stands out
Current:
30.43%
(Tier avg: 74.53%, National avg: 78.04%)
Concerns (1)
Net Interest Margin
metric
Bottom 4%
in Micro
Why this stands out
Current:
2.38%
(Tier avg: 3.85%, National avg: 3.75%)
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%
98
98th pctile
Loan-to-Deposit Ratio
Current: 30.43% · Tier avg: 74.53%
95
95th pctile
Total Deposits
Current: $386.8M · Tier avg: $183.7M
88
88th pctile
Total Assets
Current: $394.4M · Tier avg: $217.5M
73
73th pctile
Tier 1 Capital Ratio
Current: 15.27% · Tier avg: 8.85%
69
69th pctile
Nonperforming Asset Ratio
Current: 0.09% · Tier avg: 0.45%
65
65th pctile
Efficiency Ratio
Current: 60.80% · Tier avg: 67.73%
58
58th pctile
Non-Interest Income / Assets
Current: 0.42% · Tier avg: 0.56%
49
49th pctile
Total Loans
Current: $117.7M · Tier avg: $139.2M
23
23th pctile
Return on Assets
Current: 0.62% · Tier avg: 1.08%
11
11th pctile
Non-Interest-Bearing Deposit Share
Current: 9.59% · Tier avg: 22.39%
4
4th pctile
Net Interest Margin
Current: 2.38% · Tier avg: 3.85%
Top Weaknesses
4
4th pctile
Net Interest Margin
Current: 2.38% · Tier avg: 3.85%
11
11th pctile
Non-Interest-Bearing Deposit Share
Current: 9.59% · Tier avg: 22.39%
23
23th pctile
Return on Assets
Current: 0.62% · Tier avg: 1.08%
49
49th pctile
Total Loans
Current: $117.7M · Tier avg: $139.2M
58
58th pctile
Non-Interest Income / Assets
Current: 0.42% · Tier avg: 0.56%
65
65th pctile
Efficiency Ratio
Current: 60.80% · Tier avg: 67.73%
69
69th pctile
Nonperforming Asset Ratio
Current: 0.09% · Tier avg: 0.45%
73
73th pctile
Tier 1 Capital Ratio
Current: 15.27% · Tier avg: 8.85%
88
88th pctile
Total Assets
Current: $394.4M · Tier avg: $217.5M
95
95th pctile
Total Deposits
Current: $386.8M · Tier avg: $183.7M
98
98th pctile
Loan-to-Deposit Ratio
Current: 30.43% · Tier avg: 74.53%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%