BlastPoint's Banking Scorecard
Heartland State Bank
Micro
Specialty: Agricultural
ND
FDIC cert 3919
Designations: ✓ Community bank
Edgeley, ND
2498
banks in Micro tier nationally
40 in ND
View Micro leaderboard (ND) →
Heartland State Bank faces 1 concern 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 2.41% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$72.6M
+13.2% YoY
+4.8% QoQ
|
-$144.9M |
$217.5M
+2.3% YoY
|
$1.1B
+4.8% YoY
|
$5.9B
+6.5% YoY
|
Bottom 14% in tier |
| Total Loans ? |
$33.8M
-14.4% YoY
+5.0% QoQ
|
-$105.4M |
$139.2M
+2.8% YoY
|
$765.4M
+5.0% YoY
|
$3.1B
+8.5% YoY
|
Bottom 13% in tier |
| Total Deposits ? |
$65.4M
+14.4% YoY
+5.4% QoQ
|
-$118.3M |
$183.7M
+1.8% YoY
|
$905.0M
+3.6% YoY
|
$4.7B
+6.3% YoY
|
16% |
| Return on Assets ? |
0.81%
+4.0% YoY
+1.6% QoQ
|
-0.28% |
1.08%
+14.7% YoY
|
1.32%
+12.0% YoY
|
1.12%
+15.6% YoY
|
34% |
| Net Interest Margin ? |
3.55%
-12.6% YoY
-1.1% QoQ
|
-0.30% |
3.85%
+6.6% YoY
|
3.71%
+7.8% YoY
|
3.75%
+7.1% YoY
|
37% |
| Efficiency Ratio ? |
76.29%
-4.8% YoY
-0.4% QoQ
|
+8.57% |
67.73%
-4.8% YoY
|
61.23%
-5.7% YoY
|
65.09%
-5.1% YoY
|
26% |
| Delinquency Rate ? |
3.05%
+23.9% YoY
-6.7% QoQ
|
+2.41% |
0.64%
+24.4% YoY
|
0.75%
+12.5% YoY
|
0.66%
+20.3% YoY
|
Bottom 7% in tier |
| Loan-to-Deposit Ratio ? |
51.63%
-25.2% YoY
-0.4% QoQ
|
-22.90% |
74.53%
+0.5% YoY
|
72.91%
+0.6% YoY
|
78.04%
+0.7% YoY
|
Bottom 14% in tier |
| Non-Interest-Bearing Deposit Share ? |
31.81%
+5.9% YoY
+7.0% QoQ
|
+9.41% |
22.39%
-1.3% YoY
|
21.38%
-4.0% YoY
|
21.79%
-1.3% YoY
|
83% |
| Nonperforming Asset Ratio ? |
1.42%
-6.3% YoY
-6.5% QoQ
|
+0.97% |
0.45%
+25.1% YoY
|
0.49%
+9.5% YoY
|
0.48%
+20.8% YoY
|
Bottom 12% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
7.43%
-1.1% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.23%
-13.2% YoY
+29.2% QoQ
|
-0.33% |
0.56%
+0.3% YoY
|
0.45%
-9.1% YoY
|
0.65%
+0.6% YoY
|
28% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Delinquency Rate
metric
Bottom 7%
in Micro
Why this stands out
Current:
3.05%
(Tier avg: 0.64%, National avg: 0.66%)
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
83
83th pctile
Non-Interest-Bearing Deposit Share
Current: 31.81% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
37
37th pctile
Net Interest Margin
Current: 3.55% · Tier avg: 3.85%
34
34th pctile
Return on Assets
Current: 0.81% · Tier avg: 1.08%
28
28th pctile
Non-Interest Income / Assets
Current: 0.23% · Tier avg: 0.56%
26
26th pctile
Efficiency Ratio
Current: 76.29% · Tier avg: 67.73%
16
16th pctile
Total Deposits
Current: $65.4M · Tier avg: $183.7M
14
14th pctile
Loan-to-Deposit Ratio
Current: 51.63% · Tier avg: 74.53%
14
14th pctile
Total Assets
Current: $72.6M · Tier avg: $217.5M
13
13th pctile
Total Loans
Current: $33.8M · Tier avg: $139.2M
12
12th pctile
Nonperforming Asset Ratio
Current: 1.42% · Tier avg: 0.45%
7
7th pctile
Delinquency Rate
Current: 3.05% · Tier avg: 0.64%
Top Weaknesses
7
7th pctile
Delinquency Rate
Current: 3.05% · Tier avg: 0.64%
12
12th pctile
Nonperforming Asset Ratio
Current: 1.42% · Tier avg: 0.45%
13
13th pctile
Total Loans
Current: $33.8M · Tier avg: $139.2M
14
14th pctile
Total Assets
Current: $72.6M · Tier avg: $217.5M
14
14th pctile
Loan-to-Deposit Ratio
Current: 51.63% · Tier avg: 74.53%
16
16th pctile
Total Deposits
Current: $65.4M · Tier avg: $183.7M
26
26th pctile
Efficiency Ratio
Current: 76.29% · Tier avg: 67.73%
28
28th pctile
Non-Interest Income / Assets
Current: 0.23% · Tier avg: 0.56%
34
34th pctile
Return on Assets
Current: 0.81% · Tier avg: 1.08%
37
37th pctile
Net Interest Margin
Current: 3.55% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
83
83th pctile
Non-Interest-Bearing Deposit Share
Current: 31.81% · Tier avg: 22.39%