BlastPoint's Banking Scorecard
Border Bank
Community
Specialty: Agricultural
ND
FDIC cert 20776
Fargo, ND
1484
banks in Community tier nationally
17 in ND
View Community leaderboard (ND) →
Border Bank 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
- - Delinquency Rate 1.40% above tier
- - Nonperforming Asset Ratio 1.33% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.1B
+8.8% YoY
+2.5% QoQ
|
-$328.4M |
$1.4B
+2.0% YoY
|
$1.1B
+4.8% YoY
|
$5.9B
+6.5% YoY
|
53% |
| Total Loans ? |
$890.0M
+12.6% YoY
+2.5% QoQ
|
-$85.4M |
$975.5M
+2.4% YoY
|
$765.4M
+5.0% YoY
|
$3.1B
+8.5% YoY
|
63% |
| Total Deposits ? |
$912.8M
+5.4% YoY
+2.1% QoQ
|
-$251.8M |
$1.2B
+1.7% YoY
|
$905.0M
+3.6% YoY
|
$4.7B
+6.3% YoY
|
54% |
| Return on Assets ? |
0.96%
+218.3% YoY
+23.5% QoQ
|
-0.20% |
1.16%
+17.2% YoY
|
1.32%
+12.0% YoY
|
1.12%
+15.6% YoY
|
36% |
| Net Interest Margin ? |
3.69%
+19.9% YoY
+2.4% QoQ
|
+0.02% |
3.66%
+9.1% YoY
|
3.71%
+7.8% YoY
|
3.75%
+7.1% YoY
|
52% |
| Efficiency Ratio ? |
70.66%
-17.3% YoY
-4.1% QoQ
|
+8.03% |
62.63%
-5.3% YoY
|
61.23%
-5.7% YoY
|
65.09%
-5.1% YoY
|
25% |
| Delinquency Rate ? |
2.03%
+25.8% YoY
-8.0% QoQ
|
+1.40% |
0.63%
+18.3% YoY
|
0.75%
+12.5% YoY
|
0.66%
+20.3% YoY
|
Bottom 10% in tier |
| Loan-to-Deposit Ratio ? |
97.50%
+6.8% YoY
+0.5% QoQ
|
+14.44% |
83.06%
+0.3% YoY
|
72.91%
+0.6% YoY
|
78.04%
+0.7% YoY
|
18% |
| Non-Interest-Bearing Deposit Share ? |
21.73%
-1.3% YoY
+3.0% QoQ
|
+0.68% |
21.05%
-0.9% YoY
|
21.38%
-4.0% YoY
|
21.79%
-1.3% YoY
|
57% |
| Nonperforming Asset Ratio ? |
1.83%
+36.6% YoY
-5.9% QoQ
|
+1.33% |
0.50%
+20.3% YoY
|
0.49%
+9.5% YoY
|
0.48%
+20.8% YoY
|
Bottom 7% in tier |
| Tier 1 Capital Ratio ? |
10.00%
-3.9% YoY
+0.7% QoQ
|
-0.24% |
10.24%
-0.6% YoY
|
7.43%
-1.1% YoY
|
9.75%
-1.9% YoY
|
30% |
| Non-Interest Income / Assets ? |
0.63%
+2.0% YoY
+46.2% QoQ
|
-0.11% |
0.74%
-1.3% YoY
|
0.45%
-9.1% YoY
|
0.65%
+0.6% YoY
|
64% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Delinquency Rate
metric
Bottom 10%
in Community
Why this stands out
Current:
2.03%
(Tier avg: 0.63%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 7%
in Community
Why this stands out
Current:
1.83%
(Tier avg: 0.50%, National avg: 0.48%)
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
64
64th pctile
Non-Interest Income / Assets
Current: 0.63% · Tier avg: 0.74%
63
63th pctile
Total Loans
Current: $890.0M · Tier avg: $975.5M
57
57th pctile
Non-Interest-Bearing Deposit Share
Current: 21.73% · Tier avg: 21.05%
54
54th pctile
Total Deposits
Current: $912.8M · Tier avg: $1.2B
53
53th pctile
Total Assets
Current: $1.1B · Tier avg: $1.4B
52
52th pctile
Net Interest Margin
Current: 3.69% · Tier avg: 3.66%
36
36th pctile
Return on Assets
Current: 0.96% · Tier avg: 1.16%
30
30th pctile
Tier 1 Capital Ratio
Current: 10.00% · Tier avg: 10.24%
25
25th pctile
Efficiency Ratio
Current: 70.66% · Tier avg: 62.63%
18
18th pctile
Loan-to-Deposit Ratio
Current: 97.50% · Tier avg: 83.06%
10
10th pctile
Delinquency Rate
Current: 2.03% · Tier avg: 0.63%
7
7th pctile
Nonperforming Asset Ratio
Current: 1.83% · Tier avg: 0.50%
Top Weaknesses
7
7th pctile
Nonperforming Asset Ratio
Current: 1.83% · Tier avg: 0.50%
10
10th pctile
Delinquency Rate
Current: 2.03% · Tier avg: 0.63%
18
18th pctile
Loan-to-Deposit Ratio
Current: 97.50% · Tier avg: 83.06%
25
25th pctile
Efficiency Ratio
Current: 70.66% · Tier avg: 62.63%
30
30th pctile
Tier 1 Capital Ratio
Current: 10.00% · Tier avg: 10.24%
36
36th pctile
Return on Assets
Current: 0.96% · Tier avg: 1.16%
52
52th pctile
Net Interest Margin
Current: 3.69% · Tier avg: 3.66%
53
53th pctile
Total Assets
Current: $1.1B · Tier avg: $1.4B
54
54th pctile
Total Deposits
Current: $912.8M · Tier avg: $1.2B
57
57th pctile
Non-Interest-Bearing Deposit Share
Current: 21.73% · Tier avg: 21.05%
63
63th pctile
Total Loans
Current: $890.0M · Tier avg: $975.5M
64
64th pctile
Non-Interest Income / Assets
Current: 0.63% · Tier avg: 0.74%