BlastPoint's Banking Scorecard
Starion Bank
Community
Specialty: Commercial
ND
FDIC cert 33758
Bismarck, ND
1484
banks in Community tier nationally
17 in ND
View Community leaderboard (ND) →
Starion 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
- - Credit Risk Growth: Bottom 49% in Community
- - Net Interest Margin 1.12% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.1B
+2.4% YoY
+3.8% QoQ
|
+$672.7M |
$1.4B
+2.0% YoY
|
$1.1B
+4.8% YoY
|
$5.9B
+6.5% YoY
|
80% |
| Total Loans ? |
$1.2B
+4.1% YoY
+3.7% QoQ
|
+$271.8M |
$975.5M
+2.4% YoY
|
$765.4M
+5.0% YoY
|
$3.1B
+8.5% YoY
|
75% |
| Total Deposits ? |
$1.8B
+6.4% YoY
+4.4% QoQ
|
+$619.8M |
$1.2B
+1.7% YoY
|
$905.0M
+3.6% YoY
|
$4.7B
+6.3% YoY
|
81% |
| Return on Assets ? |
0.80%
+114.0% YoY
-8.1% QoQ
|
-0.36% |
1.16%
+17.2% YoY
|
1.32%
+12.0% YoY
|
1.12%
+15.6% YoY
|
24% |
| Net Interest Margin ? |
2.54%
+23.1% YoY
+1.8% QoQ
|
-1.12% |
3.66%
+9.1% YoY
|
3.71%
+7.8% YoY
|
3.75%
+7.1% YoY
|
Bottom 7% in tier |
| Efficiency Ratio ? |
69.01%
-16.5% YoY
+1.2% QoQ
|
+6.38% |
62.63%
-5.3% YoY
|
61.23%
-5.7% YoY
|
65.09%
-5.1% YoY
|
29% |
| Delinquency Rate ? |
0.91%
+155.6% YoY
+405.8% QoQ
|
+0.28% |
0.63%
+18.3% YoY
|
0.75%
+12.5% YoY
|
0.66%
+20.3% YoY
|
28% |
| Loan-to-Deposit Ratio ? |
69.90%
-2.2% YoY
-0.7% QoQ
|
-13.16% |
83.06%
+0.3% YoY
|
72.91%
+0.6% YoY
|
78.04%
+0.7% YoY
|
19% |
| Non-Interest-Bearing Deposit Share ? |
14.10%
+2.3% YoY
-3.9% QoQ
|
-6.95% |
21.05%
-0.9% YoY
|
21.38%
-4.0% YoY
|
21.79%
-1.3% YoY
|
22% |
| Nonperforming Asset Ratio ? |
0.55%
+159.9% YoY
+405.0% QoQ
|
+0.05% |
0.50%
+20.3% YoY
|
0.49%
+9.5% YoY
|
0.48%
+20.8% YoY
|
35% |
| Tier 1 Capital Ratio ? |
13.78%
+3.9% YoY
-0.3% QoQ
|
+3.54% |
10.24%
-0.6% YoY
|
7.43%
-1.1% YoY
|
9.75%
-1.9% YoY
|
66% |
| Non-Interest Income / Assets ? |
0.70%
+82.6% YoY
+41.1% QoQ
|
-0.04% |
0.74%
-1.3% YoY
|
0.45%
-9.1% YoY
|
0.65%
+0.6% YoY
|
70% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Credit Risk Growth
risk
#314 of 642 · Bottom 49% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
Net Interest Margin
metric
Bottom 7%
in Community
Why this stands out
Current:
2.54%
(Tier avg: 3.66%, 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
81
81th pctile
Total Deposits
Current: $1.8B · Tier avg: $1.2B
80
80th pctile
Total Assets
Current: $2.1B · Tier avg: $1.4B
75
75th pctile
Total Loans
Current: $1.2B · Tier avg: $975.5M
70
70th pctile
Non-Interest Income / Assets
Current: 0.70% · Tier avg: 0.74%
66
66th pctile
Tier 1 Capital Ratio
Current: 13.78% · Tier avg: 10.24%
35
35th pctile
Nonperforming Asset Ratio
Current: 0.55% · Tier avg: 0.50%
29
29th pctile
Efficiency Ratio
Current: 69.01% · Tier avg: 62.63%
28
28th pctile
Delinquency Rate
Current: 0.91% · Tier avg: 0.63%
24
24th pctile
Return on Assets
Current: 0.80% · Tier avg: 1.16%
22
22th pctile
Non-Interest-Bearing Deposit Share
Current: 14.10% · Tier avg: 21.05%
19
19th pctile
Loan-to-Deposit Ratio
Current: 69.90% · Tier avg: 83.06%
7
7th pctile
Net Interest Margin
Current: 2.54% · Tier avg: 3.66%
Top Weaknesses
7
7th pctile
Net Interest Margin
Current: 2.54% · Tier avg: 3.66%
19
19th pctile
Loan-to-Deposit Ratio
Current: 69.90% · Tier avg: 83.06%
22
22th pctile
Non-Interest-Bearing Deposit Share
Current: 14.10% · Tier avg: 21.05%
24
24th pctile
Return on Assets
Current: 0.80% · Tier avg: 1.16%
28
28th pctile
Delinquency Rate
Current: 0.91% · Tier avg: 0.63%
29
29th pctile
Efficiency Ratio
Current: 69.01% · Tier avg: 62.63%
35
35th pctile
Nonperforming Asset Ratio
Current: 0.55% · Tier avg: 0.50%
66
66th pctile
Tier 1 Capital Ratio
Current: 13.78% · Tier avg: 10.24%
70
70th pctile
Non-Interest Income / Assets
Current: 0.70% · Tier avg: 0.74%
75
75th pctile
Total Loans
Current: $1.2B · Tier avg: $975.5M
80
80th pctile
Total Assets
Current: $2.1B · Tier avg: $1.4B
81
81th pctile
Total Deposits
Current: $1.8B · Tier avg: $1.2B