BlastPoint's Banking Scorecard
Strasburg State Bank
Micro
Specialty: Agricultural
ND
FDIC cert 17922
Designations: ✓ Community bank
Strasburg, ND
2498
banks in Micro tier nationally
40 in ND
View Micro leaderboard (ND) →
Strasburg State Bank has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% below tier
Key Concerns
Areas that may need attention
- - Non-Interest Income / Assets 0.50% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$99.6M
+2.1% YoY
-0.0% QoQ
|
-$117.9M |
$217.5M
+2.3% YoY
|
$1.1B
+4.8% YoY
|
$5.9B
+6.5% YoY
|
22% |
| Total Loans ? |
$53.0M
+14.3% YoY
+12.0% QoQ
|
-$86.1M |
$139.2M
+2.8% YoY
|
$765.4M
+5.0% YoY
|
$3.1B
+8.5% YoY
|
22% |
| Total Deposits ? |
$89.3M
+2.0% YoY
+0.2% QoQ
|
-$94.3M |
$183.7M
+1.8% YoY
|
$905.0M
+3.6% YoY
|
$4.7B
+6.3% YoY
|
25% |
| Return on Assets ? |
1.15%
+5.1% YoY
-8.0% QoQ
|
+0.06% |
1.08%
+14.7% YoY
|
1.32%
+12.0% YoY
|
1.12%
+15.6% YoY
|
56% |
| Net Interest Margin ? |
3.30%
+4.6% YoY
+1.5% QoQ
|
-0.55% |
3.85%
+6.6% YoY
|
3.71%
+7.8% YoY
|
3.75%
+7.1% YoY
|
26% |
| Efficiency Ratio ? |
53.73%
-3.0% YoY
+3.4% QoQ
|
-14.00% |
67.73%
-4.8% YoY
|
61.23%
-5.7% YoY
|
65.09%
-5.1% YoY
|
84% |
| Delinquency Rate ? | 0.00% | -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 ? |
59.38%
+12.0% YoY
+11.8% QoQ
|
-15.15% |
74.53%
+0.5% YoY
|
72.91%
+0.6% YoY
|
78.04%
+0.7% YoY
|
77% |
| Non-Interest-Bearing Deposit Share ? |
15.04%
+10.7% YoY
-4.9% QoQ
|
-7.36% |
22.39%
-1.3% YoY
|
21.38%
-4.0% YoY
|
21.79%
-1.3% YoY
|
23% |
| Nonperforming Asset Ratio ? | 0.00% | -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 ? |
12.62%
-9.3% YoY
-5.4% QoQ
|
+3.77% |
8.85%
-3.4% YoY
|
7.43%
-1.1% YoY
|
9.75%
-1.9% YoY
|
62% |
| Non-Interest Income / Assets ? |
0.06%
-44.5% YoY
+68.5% QoQ
|
-0.50% |
0.56%
+0.3% YoY
|
0.45%
-9.1% YoY
|
0.65%
+0.6% YoY
|
Bottom 4% in tier |
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%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Concerns (1)
Non-Interest Income / Assets
metric
Bottom 4%
in Micro
Why this stands out
Current:
0.06%
(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
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%
84
84th pctile
Efficiency Ratio
Current: 53.73% · Tier avg: 67.73%
77
77th pctile
Loan-to-Deposit Ratio
Current: 59.38% · Tier avg: 74.53%
62
62th pctile
Tier 1 Capital Ratio
Current: 12.62% · Tier avg: 8.85%
56
56th pctile
Return on Assets
Current: 1.15% · Tier avg: 1.08%
26
26th pctile
Net Interest Margin
Current: 3.30% · Tier avg: 3.85%
25
25th pctile
Total Deposits
Current: $89.3M · Tier avg: $183.7M
23
23th pctile
Non-Interest-Bearing Deposit Share
Current: 15.04% · Tier avg: 22.39%
22
22th pctile
Total Assets
Current: $99.6M · Tier avg: $217.5M
22
22th pctile
Total Loans
Current: $53.0M · Tier avg: $139.2M
4
4th pctile
Non-Interest Income / Assets
Current: 0.06% · Tier avg: 0.56%
Top Weaknesses
4
4th pctile
Non-Interest Income / Assets
Current: 0.06% · Tier avg: 0.56%
22
22th pctile
Total Loans
Current: $53.0M · Tier avg: $139.2M
22
22th pctile
Total Assets
Current: $99.6M · Tier avg: $217.5M
23
23th pctile
Non-Interest-Bearing Deposit Share
Current: 15.04% · Tier avg: 22.39%
25
25th pctile
Total Deposits
Current: $89.3M · Tier avg: $183.7M
26
26th pctile
Net Interest Margin
Current: 3.30% · Tier avg: 3.85%
56
56th pctile
Return on Assets
Current: 1.15% · Tier avg: 1.08%
62
62th pctile
Tier 1 Capital Ratio
Current: 12.62% · Tier avg: 8.85%
77
77th pctile
Loan-to-Deposit Ratio
Current: 59.38% · Tier avg: 74.53%
84
84th pctile
Efficiency Ratio
Current: 53.73% · Tier avg: 67.73%
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%