BlastPoint's Banking Scorecard
Turtle Mountain State Bank
Micro
Specialty: Agricultural
ND
FDIC cert 58586
Designations: ✓ Community bank
Belcourt, ND
2498
banks in Micro tier nationally
40 in ND
View Micro leaderboard (ND) →
Turtle Mountain State Bank demonstrates 6 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.71% above tier
- + Efficiency Ratio 26.08% below tier
- + Delinquency Rate 0.64% below tier
- + Loan-to-Deposit Ratio 39.52% below tier
- + Non-Interest-Bearing Deposit Share 32.03% above tier
- + Nonperforming Asset Ratio 0.45% below tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$117.4M
-6.5% YoY
-1.7% QoQ
|
-$100.1M |
$217.5M
+2.3% YoY
|
$1.1B
+4.8% YoY
|
$5.9B
+6.5% YoY
|
28% |
| Total Loans ? |
$36.2M
-1.1% YoY
-0.7% QoQ
|
-$102.9M |
$139.2M
+2.8% YoY
|
$765.4M
+5.0% YoY
|
$3.1B
+8.5% YoY
|
Bottom 13% in tier |
| Total Deposits ? |
$103.6M
-8.7% YoY
-2.2% QoQ
|
-$80.1M |
$183.7M
+1.8% YoY
|
$905.0M
+3.6% YoY
|
$4.7B
+6.3% YoY
|
30% |
| Return on Assets ? |
2.79%
-21.5% YoY
-2.1% QoQ
|
+1.71% |
1.08%
+14.7% YoY
|
1.32%
+12.0% YoY
|
1.12%
+15.6% YoY
|
Top 2% in tier |
| Net Interest Margin ? |
4.84%
-7.0% YoY
-0.9% QoQ
|
+0.98% |
3.85%
+6.6% YoY
|
3.71%
+7.8% YoY
|
3.75%
+7.1% YoY
|
Top 12% in tier |
| Efficiency Ratio ? |
41.65%
+30.1% YoY
+1.9% QoQ
|
-26.08% |
67.73%
-4.8% YoY
|
61.23%
-5.7% YoY
|
65.09%
-5.1% YoY
|
Top 3% in tier |
| 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 ? |
35.01%
+8.3% YoY
+1.6% QoQ
|
-39.52% |
74.53%
+0.5% YoY
|
72.91%
+0.6% YoY
|
78.04%
+0.7% YoY
|
Top 4% in tier |
| Non-Interest-Bearing Deposit Share ? |
54.42%
+8.1% YoY
-0.6% QoQ
|
+32.03% |
22.39%
-1.3% YoY
|
21.38%
-4.0% YoY
|
21.79%
-1.3% YoY
|
Top 1% in tier |
| 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 ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
7.43%
-1.1% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.31%
+1.4% YoY
+34.4% QoQ
|
-0.25% |
0.56%
+0.3% YoY
|
0.45%
-9.1% YoY
|
0.65%
+0.6% YoY
|
43% |
Signature Analysis
Strengths (6)
Return on Assets
metric
Top 2%
in Micro
Why this stands out
Current:
2.79%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Top 3%
in Micro
Why this stands out
Current:
41.65%
(Tier avg: 67.73%, National avg: 65.09%)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Loan-to-Deposit Ratio
metric
Top 4%
in Micro
Why this stands out
Current:
35.01%
(Tier avg: 74.53%, National avg: 78.04%)
Non-Interest-Bearing Deposit Share
metric
Top 1%
in Micro
Why this stands out
Current:
54.42%
(Tier avg: 22.39%, National avg: 21.79%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Concerns (0)
No concerns identified
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%
99
99th pctile
Non-Interest-Bearing Deposit Share
Current: 54.42% · Tier avg: 22.39%
98
98th pctile
Return on Assets
Current: 2.79% · Tier avg: 1.08%
97
97th pctile
Efficiency Ratio
Current: 41.65% · Tier avg: 67.73%
96
96th pctile
Loan-to-Deposit Ratio
Current: 35.01% · Tier avg: 74.53%
88
88th pctile
Net Interest Margin
Current: 4.84% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
43
43th pctile
Non-Interest Income / Assets
Current: 0.31% · Tier avg: 0.56%
30
30th pctile
Total Deposits
Current: $103.6M · Tier avg: $183.7M
28
28th pctile
Total Assets
Current: $117.4M · Tier avg: $217.5M
13
13th pctile
Total Loans
Current: $36.2M · Tier avg: $139.2M
Top Weaknesses
13
13th pctile
Total Loans
Current: $36.2M · Tier avg: $139.2M
28
28th pctile
Total Assets
Current: $117.4M · Tier avg: $217.5M
30
30th pctile
Total Deposits
Current: $103.6M · Tier avg: $183.7M
43
43th pctile
Non-Interest Income / Assets
Current: 0.31% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
88
88th pctile
Net Interest Margin
Current: 4.84% · Tier avg: 3.85%
96
96th pctile
Loan-to-Deposit Ratio
Current: 35.01% · Tier avg: 74.53%
97
97th pctile
Efficiency Ratio
Current: 41.65% · Tier avg: 67.73%
98
98th pctile
Return on Assets
Current: 2.79% · Tier avg: 1.08%
99
99th pctile
Non-Interest-Bearing Deposit Share
Current: 54.42% · Tier avg: 22.39%
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%