BlastPoint's Banking Scorecard
CorTrust Bank National Association
Community
Specialty: Commercial
SD
FDIC cert 6063
Mitchell, SD
1484
banks in Community tier nationally
18 in SD
View Community leaderboard (SD) →
CorTrust Bank National Association 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
- - Flatlined Growth: Bottom 4% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.5B
-1.3% YoY
+1.5% QoQ
|
+$114.2M |
$1.4B
+2.0% YoY
|
$66.4B
+7.5% YoY
|
$5.9B
+6.5% YoY
|
69% |
| Total Loans ? |
$997.6M
-1.2% YoY
+1.4% QoQ
|
+$22.1M |
$975.5M
+2.4% YoY
|
$30.0B
+8.4% YoY
|
$3.1B
+8.5% YoY
|
68% |
| Total Deposits ? |
$1.3B
-0.2% YoY
-0.5% QoQ
|
+$109.9M |
$1.2B
+1.7% YoY
|
$53.6B
+6.8% YoY
|
$4.7B
+6.3% YoY
|
70% |
| Return on Assets ? |
0.53%
+121.9% YoY
+11.6% QoQ
|
-0.64% |
1.16%
+17.2% YoY
|
1.30%
+9.7% YoY
|
1.12%
+15.6% YoY
|
Bottom 12% in tier |
| Net Interest Margin ? |
3.72%
+14.3% YoY
+0.2% QoQ
|
+0.05% |
3.66%
+9.1% YoY
|
4.04%
+12.2% YoY
|
3.75%
+7.1% YoY
|
55% |
| Efficiency Ratio ? |
77.71%
-5.1% YoY
-2.2% QoQ
|
+15.07% |
62.63%
-5.3% YoY
|
61.23%
-7.1% YoY
|
65.09%
-5.1% YoY
|
Bottom 13% in tier |
| Delinquency Rate ? |
1.00%
+116.3% QoQ
|
+0.37% |
0.63%
+18.3% YoY
|
0.56%
+87.1% YoY
|
0.66%
+20.3% YoY
|
26% |
| Loan-to-Deposit Ratio ? |
78.28%
-1.0% YoY
+1.8% QoQ
|
-4.79% |
83.06%
+0.3% YoY
|
73.14%
+0.4% YoY
|
78.04%
+0.7% YoY
|
34% |
| Non-Interest-Bearing Deposit Share ? |
26.10%
+2.6% YoY
-0.3% QoQ
|
+5.06% |
21.05%
-0.9% YoY
|
20.56%
-1.2% YoY
|
21.79%
-1.3% YoY
|
73% |
| Nonperforming Asset Ratio ? |
0.66%
+116.0% QoQ
|
+0.16% |
0.50%
+20.3% YoY
|
0.38%
+94.7% YoY
|
0.48%
+20.8% YoY
|
31% |
| Tier 1 Capital Ratio ? |
13.33%
+5.1% YoY
-0.9% QoQ
|
+3.08% |
10.24%
-0.6% YoY
|
11.53%
-0.1% YoY
|
9.75%
-1.9% YoY
|
61% |
| Non-Interest Income / Assets ? |
1.14%
-7.4% YoY
+32.6% QoQ
|
+0.40% |
0.74%
-1.3% YoY
|
1.02%
-4.1% YoY
|
0.65%
+0.6% YoY
|
Top 11% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Flatlined Growth
risk
#11 of 245 · Bottom 4% in Community
Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Why this signature
Return on Assets:
0.53%
(Tier: 1.16%, National: 1.12%)
245 of 245 Community banks match
·
308 nationally
↓ Shrinking
-35 banks QoQ
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
89
89th pctile
Non-Interest Income / Assets
Current: 1.14% · Tier avg: 0.74%
73
73th pctile
Non-Interest-Bearing Deposit Share
Current: 26.10% · Tier avg: 21.05%
70
70th pctile
Total Deposits
Current: $1.3B · Tier avg: $1.2B
69
69th pctile
Total Assets
Current: $1.5B · Tier avg: $1.4B
68
68th pctile
Total Loans
Current: $997.6M · Tier avg: $975.5M
61
61th pctile
Tier 1 Capital Ratio
Current: 13.33% · Tier avg: 10.24%
55
55th pctile
Net Interest Margin
Current: 3.72% · Tier avg: 3.66%
34
34th pctile
Loan-to-Deposit Ratio
Current: 78.28% · Tier avg: 83.06%
31
31th pctile
Nonperforming Asset Ratio
Current: 0.66% · Tier avg: 0.50%
26
26th pctile
Delinquency Rate
Current: 1.00% · Tier avg: 0.63%
13
13th pctile
Efficiency Ratio
Current: 77.71% · Tier avg: 62.63%
12
12th pctile
Return on Assets
Current: 0.53% · Tier avg: 1.16%
Top Weaknesses
12
12th pctile
Return on Assets
Current: 0.53% · Tier avg: 1.16%
13
13th pctile
Efficiency Ratio
Current: 77.71% · Tier avg: 62.63%
26
26th pctile
Delinquency Rate
Current: 1.00% · Tier avg: 0.63%
31
31th pctile
Nonperforming Asset Ratio
Current: 0.66% · Tier avg: 0.50%
34
34th pctile
Loan-to-Deposit Ratio
Current: 78.28% · Tier avg: 83.06%
55
55th pctile
Net Interest Margin
Current: 3.72% · Tier avg: 3.66%
61
61th pctile
Tier 1 Capital Ratio
Current: 13.33% · Tier avg: 10.24%
68
68th pctile
Total Loans
Current: $997.6M · Tier avg: $975.5M
69
69th pctile
Total Assets
Current: $1.5B · Tier avg: $1.4B
70
70th pctile
Total Deposits
Current: $1.3B · Tier avg: $1.2B
73
73th pctile
Non-Interest-Bearing Deposit Share
Current: 26.10% · Tier avg: 21.05%
89
89th pctile
Non-Interest Income / Assets
Current: 1.14% · Tier avg: 0.74%