BlastPoint's Banking Scorecard
Bryant State Bank
Micro
Specialty: Agricultural
SD
FDIC cert 6064
Designations: ✓ Community bank
Bryant, SD
2498
banks in Micro tier nationally
34 in SD
View Micro leaderboard (SD) →
Bryant State Bank demonstrates 2 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 3.32% above tier
- + Non-Interest Income / Assets 1.31% above 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 (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$54.2M
+0.4% YoY
+4.1% QoQ
|
-$163.3M |
$217.5M
+2.3% YoY
|
$66.4B
+7.5% YoY
|
$5.9B
+6.5% YoY
|
Bottom 8% in tier |
| Total Loans ? |
$31.2M
-3.2% YoY
-2.2% QoQ
|
-$108.0M |
$139.2M
+2.8% YoY
|
$30.0B
+8.4% YoY
|
$3.1B
+8.5% YoY
|
Bottom 11% in tier |
| Total Deposits ? |
$47.2M
-0.4% YoY
+6.6% QoQ
|
-$136.5M |
$183.7M
+1.8% YoY
|
$53.6B
+6.8% YoY
|
$4.7B
+6.3% YoY
|
Bottom 9% in tier |
| Return on Assets ? |
1.61%
+27.8% YoY
-6.1% QoQ
|
+0.52% |
1.08%
+14.7% YoY
|
1.30%
+9.7% YoY
|
1.12%
+15.6% YoY
|
79% |
| Net Interest Margin ? |
7.17%
+1.8% YoY
-0.8% QoQ
|
+3.32% |
3.85%
+6.6% YoY
|
4.04%
+12.2% YoY
|
3.75%
+7.1% YoY
|
Top 1% in tier |
| Efficiency Ratio ? |
54.85%
-0.6% YoY
+0.5% QoQ
|
-12.88% |
67.73%
-4.8% YoY
|
61.23%
-7.1% YoY
|
65.09%
-5.1% YoY
|
81% |
| Delinquency Rate ? |
0.41%
-13.5% YoY
+12.8% QoQ
|
-0.23% |
0.64%
+24.4% YoY
|
0.56%
+87.1% YoY
|
0.66%
+20.3% YoY
|
49% |
| Loan-to-Deposit Ratio ? |
66.02%
-2.8% YoY
-8.3% QoQ
|
-8.51% |
74.53%
+0.5% YoY
|
73.14%
+0.4% YoY
|
78.04%
+0.7% YoY
|
33% |
| Non-Interest-Bearing Deposit Share ? |
32.51%
-15.6% YoY
+9.7% QoQ
|
+10.12% |
22.39%
-1.3% YoY
|
20.56%
-1.2% YoY
|
21.79%
-1.3% YoY
|
84% |
| Nonperforming Asset Ratio ? |
0.24%
-16.6% YoY
+5.9% QoQ
|
-0.21% |
0.45%
+25.1% YoY
|
0.38%
+94.7% YoY
|
0.48%
+20.8% YoY
|
53% |
| Tier 1 Capital Ratio ? |
16.58%
+2.2% YoY
+4.0% QoQ
|
+7.73% |
8.85%
-3.4% YoY
|
11.53%
-0.1% YoY
|
9.75%
-1.9% YoY
|
78% |
| Non-Interest Income / Assets ? |
1.87%
-2.5% YoY
+30.4% QoQ
|
+1.31% |
0.56%
+0.3% YoY
|
1.02%
-4.1% YoY
|
0.65%
+0.6% YoY
|
Top 3% in tier |
Signature Analysis
Strengths (2)
Net Interest Margin
metric
Top 1%
in Micro
Why this stands out
Current:
7.17%
(Tier avg: 3.85%, National avg: 3.75%)
Non-Interest Income / Assets
metric
Top 3%
in Micro
Why this stands out
Current:
1.87%
(Tier avg: 0.56%, National avg: 0.65%)
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
Net Interest Margin
Current: 7.17% · Tier avg: 3.85%
97
97th pctile
Non-Interest Income / Assets
Current: 1.87% · Tier avg: 0.56%
84
84th pctile
Non-Interest-Bearing Deposit Share
Current: 32.51% · Tier avg: 22.39%
81
81th pctile
Efficiency Ratio
Current: 54.85% · Tier avg: 67.73%
79
79th pctile
Return on Assets
Current: 1.61% · Tier avg: 1.08%
78
78th pctile
Tier 1 Capital Ratio
Current: 16.58% · Tier avg: 8.85%
53
53th pctile
Nonperforming Asset Ratio
Current: 0.24% · Tier avg: 0.45%
49
49th pctile
Delinquency Rate
Current: 0.41% · Tier avg: 0.64%
33
33th pctile
Loan-to-Deposit Ratio
Current: 66.02% · Tier avg: 74.53%
11
11th pctile
Total Loans
Current: $31.2M · Tier avg: $139.2M
9
9th pctile
Total Deposits
Current: $47.2M · Tier avg: $183.7M
8
8th pctile
Total Assets
Current: $54.2M · Tier avg: $217.5M
Top Weaknesses
8
8th pctile
Total Assets
Current: $54.2M · Tier avg: $217.5M
9
9th pctile
Total Deposits
Current: $47.2M · Tier avg: $183.7M
11
11th pctile
Total Loans
Current: $31.2M · Tier avg: $139.2M
33
33th pctile
Loan-to-Deposit Ratio
Current: 66.02% · Tier avg: 74.53%
49
49th pctile
Delinquency Rate
Current: 0.41% · Tier avg: 0.64%
53
53th pctile
Nonperforming Asset Ratio
Current: 0.24% · Tier avg: 0.45%
78
78th pctile
Tier 1 Capital Ratio
Current: 16.58% · Tier avg: 8.85%
79
79th pctile
Return on Assets
Current: 1.61% · Tier avg: 1.08%
81
81th pctile
Efficiency Ratio
Current: 54.85% · Tier avg: 67.73%
84
84th pctile
Non-Interest-Bearing Deposit Share
Current: 32.51% · Tier avg: 22.39%
97
97th pctile
Non-Interest Income / Assets
Current: 1.87% · Tier avg: 0.56%
100
100th pctile
Net Interest Margin
Current: 7.17% · Tier avg: 3.85%