BlastPoint's Banking Scorecard
State Bank & Trust of Kenmare
Micro
Specialty: Agricultural
ND
FDIC cert 2057
Designations: ✓ Community bank
Kenmare, ND
2498
banks in Micro tier nationally
40 in ND
View Micro leaderboard (ND) →
State Bank & Trust of Kenmare faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.24% below tier
- - Non-Interest Income / Assets 0.51% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$191.2M
+8.9% YoY
+1.4% QoQ
|
-$26.3M |
$217.5M
+2.3% YoY
|
$1.1B
+4.8% YoY
|
$5.9B
+6.5% YoY
|
49% |
| Total Loans ? |
$86.9M
+5.9% YoY
-4.5% QoQ
|
-$52.2M |
$139.2M
+2.8% YoY
|
$765.4M
+5.0% YoY
|
$3.1B
+8.5% YoY
|
37% |
| Total Deposits ? |
$174.0M
+7.3% YoY
+1.3% QoQ
|
-$9.7M |
$183.7M
+1.8% YoY
|
$905.0M
+3.6% YoY
|
$4.7B
+6.3% YoY
|
53% |
| Return on Assets ? |
0.69%
+56.9% YoY
-15.6% QoQ
|
-0.40% |
1.08%
+14.7% YoY
|
1.32%
+12.0% YoY
|
1.12%
+15.6% YoY
|
27% |
| Net Interest Margin ? |
2.61%
+14.6% YoY
+0.0% QoQ
|
-1.24% |
3.85%
+6.6% YoY
|
3.71%
+7.8% YoY
|
3.75%
+7.1% YoY
|
Bottom 7% in tier |
| Efficiency Ratio ? |
70.60%
-17.8% YoY
+7.6% QoQ
|
+2.87% |
67.73%
-4.8% YoY
|
61.23%
-5.7% YoY
|
65.09%
-5.1% YoY
|
39% |
| Delinquency Rate ? | 0.03% | -0.61% |
0.64%
+24.4% YoY
|
0.75%
+12.5% YoY
|
0.66%
+20.3% YoY
|
78% |
| Loan-to-Deposit Ratio ? |
49.98%
-1.4% YoY
-5.7% QoQ
|
-24.54% |
74.53%
+0.5% YoY
|
72.91%
+0.6% YoY
|
78.04%
+0.7% YoY
|
Bottom 13% in tier |
| Non-Interest-Bearing Deposit Share ? |
13.42%
-2.8% YoY
+1.6% QoQ
|
-8.97% |
22.39%
-1.3% YoY
|
21.38%
-4.0% YoY
|
21.79%
-1.3% YoY
|
18% |
| Nonperforming Asset Ratio ? | 0.01% | -0.44% |
0.45%
+25.1% YoY
|
0.49%
+9.5% YoY
|
0.48%
+20.8% YoY
|
80% |
| Tier 1 Capital Ratio ? |
16.04%
+7.6% YoY
+6.6% QoQ
|
+7.19% |
8.85%
-3.4% YoY
|
7.43%
-1.1% YoY
|
9.75%
-1.9% YoY
|
76% |
| Non-Interest Income / Assets ? |
0.06%
-2.8% YoY
+40.2% QoQ
|
-0.51% |
0.56%
+0.3% YoY
|
0.45%
-9.1% YoY
|
0.65%
+0.6% YoY
|
Bottom 3% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Net Interest Margin
metric
Bottom 7%
in Micro
Why this stands out
Current:
2.61%
(Tier avg: 3.85%, National avg: 3.75%)
Non-Interest Income / Assets
metric
Bottom 3%
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
80
80th pctile
Nonperforming Asset Ratio
Current: 0.01% · Tier avg: 0.45%
78
78th pctile
Delinquency Rate
Current: 0.03% · Tier avg: 0.64%
76
76th pctile
Tier 1 Capital Ratio
Current: 16.04% · Tier avg: 8.85%
53
53th pctile
Total Deposits
Current: $174.0M · Tier avg: $183.7M
49
49th pctile
Total Assets
Current: $191.2M · Tier avg: $217.5M
39
39th pctile
Efficiency Ratio
Current: 70.60% · Tier avg: 67.73%
37
37th pctile
Total Loans
Current: $86.9M · Tier avg: $139.2M
27
27th pctile
Return on Assets
Current: 0.69% · Tier avg: 1.08%
18
18th pctile
Non-Interest-Bearing Deposit Share
Current: 13.42% · Tier avg: 22.39%
13
13th pctile
Loan-to-Deposit Ratio
Current: 49.98% · Tier avg: 74.53%
7
7th pctile
Net Interest Margin
Current: 2.61% · Tier avg: 3.85%
3
3th pctile
Non-Interest Income / Assets
Current: 0.06% · Tier avg: 0.56%
Top Weaknesses
3
3th pctile
Non-Interest Income / Assets
Current: 0.06% · Tier avg: 0.56%
7
7th pctile
Net Interest Margin
Current: 2.61% · Tier avg: 3.85%
13
13th pctile
Loan-to-Deposit Ratio
Current: 49.98% · Tier avg: 74.53%
18
18th pctile
Non-Interest-Bearing Deposit Share
Current: 13.42% · Tier avg: 22.39%
27
27th pctile
Return on Assets
Current: 0.69% · Tier avg: 1.08%
37
37th pctile
Total Loans
Current: $86.9M · Tier avg: $139.2M
39
39th pctile
Efficiency Ratio
Current: 70.60% · Tier avg: 67.73%
49
49th pctile
Total Assets
Current: $191.2M · Tier avg: $217.5M
53
53th pctile
Total Deposits
Current: $174.0M · Tier avg: $183.7M
76
76th pctile
Tier 1 Capital Ratio
Current: 16.04% · Tier avg: 8.85%
78
78th pctile
Delinquency Rate
Current: 0.03% · Tier avg: 0.64%
80
80th pctile
Nonperforming Asset Ratio
Current: 0.01% · Tier avg: 0.45%