BlastPoint's Banking Scorecard
First State Bank of Harvey
Micro
Specialty: Agricultural
ND
FDIC cert 8383
Designations: ✓ Community bank
Harvey, ND
2498
banks in Micro tier nationally
40 in ND
View Micro leaderboard (ND) →
First State Bank of Harvey has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 32.67% below tier
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.09% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$94.8M
+6.8% YoY
-1.3% QoQ
|
-$122.7M |
$217.5M
+2.3% YoY
|
$1.1B
+4.8% YoY
|
$5.9B
+6.5% YoY
|
21% |
| Total Loans ? |
$36.0M
+10.4% YoY
+6.0% QoQ
|
-$103.1M |
$139.2M
+2.8% YoY
|
$765.4M
+5.0% YoY
|
$3.1B
+8.5% YoY
|
Bottom 13% in tier |
| Total Deposits ? |
$86.1M
+4.5% YoY
-1.7% QoQ
|
-$97.6M |
$183.7M
+1.8% YoY
|
$905.0M
+3.6% YoY
|
$4.7B
+6.3% YoY
|
23% |
| Return on Assets ? |
0.94%
+12.8% YoY
+5.7% QoQ
|
-0.14% |
1.08%
+14.7% YoY
|
1.32%
+12.0% YoY
|
1.12%
+15.6% YoY
|
42% |
| Net Interest Margin ? |
2.76%
+8.2% YoY
+2.4% QoQ
|
-1.09% |
3.85%
+6.6% YoY
|
3.71%
+7.8% YoY
|
3.75%
+7.1% YoY
|
Bottom 10% in tier |
| Efficiency Ratio ? |
65.03%
-7.3% YoY
-5.8% QoQ
|
-2.70% |
67.73%
-4.8% YoY
|
61.23%
-5.7% YoY
|
65.09%
-5.1% YoY
|
53% |
| Delinquency Rate ? |
0.73%
+451.7% YoY
-28.7% QoQ
|
+0.09% |
0.64%
+24.4% YoY
|
0.75%
+12.5% YoY
|
0.66%
+20.3% YoY
|
37% |
| Loan-to-Deposit Ratio ? |
41.86%
+5.6% YoY
+7.8% QoQ
|
-32.67% |
74.53%
+0.5% YoY
|
72.91%
+0.6% YoY
|
78.04%
+0.7% YoY
|
Top 7% in tier |
| Non-Interest-Bearing Deposit Share ? |
27.26%
-2.6% YoY
-1.7% QoQ
|
+4.87% |
22.39%
-1.3% YoY
|
21.38%
-4.0% YoY
|
21.79%
-1.3% YoY
|
71% |
| Nonperforming Asset Ratio ? |
0.28%
+470.4% YoY
-23.5% QoQ
|
-0.18% |
0.45%
+25.1% YoY
|
0.49%
+9.5% YoY
|
0.48%
+20.8% YoY
|
50% |
| 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 ? |
0.52%
-10.0% YoY
+46.2% QoQ
|
-0.04% |
0.56%
+0.3% YoY
|
0.45%
-9.1% YoY
|
0.65%
+0.6% YoY
|
71% |
Signature Analysis
Strengths (1)
Loan-to-Deposit Ratio
metric
Top 7%
in Micro
Why this stands out
Current:
41.86%
(Tier avg: 74.53%, National avg: 78.04%)
Concerns (1)
Net Interest Margin
metric
Bottom 10%
in Micro
Why this stands out
Current:
2.76%
(Tier avg: 3.85%, 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
93
93th pctile
Loan-to-Deposit Ratio
Current: 41.86% · Tier avg: 74.53%
71
71th pctile
Non-Interest-Bearing Deposit Share
Current: 27.26% · Tier avg: 22.39%
71
71th pctile
Non-Interest Income / Assets
Current: 0.52% · Tier avg: 0.56%
53
53th pctile
Efficiency Ratio
Current: 65.03% · Tier avg: 67.73%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
50
50th pctile
Nonperforming Asset Ratio
Current: 0.28% · Tier avg: 0.45%
42
42th pctile
Return on Assets
Current: 0.94% · Tier avg: 1.08%
37
37th pctile
Delinquency Rate
Current: 0.73% · Tier avg: 0.64%
23
23th pctile
Total Deposits
Current: $86.1M · Tier avg: $183.7M
21
21th pctile
Total Assets
Current: $94.8M · Tier avg: $217.5M
13
13th pctile
Total Loans
Current: $36.0M · Tier avg: $139.2M
10
10th pctile
Net Interest Margin
Current: 2.76% · Tier avg: 3.85%
Top Weaknesses
10
10th pctile
Net Interest Margin
Current: 2.76% · Tier avg: 3.85%
13
13th pctile
Total Loans
Current: $36.0M · Tier avg: $139.2M
21
21th pctile
Total Assets
Current: $94.8M · Tier avg: $217.5M
23
23th pctile
Total Deposits
Current: $86.1M · Tier avg: $183.7M
37
37th pctile
Delinquency Rate
Current: 0.73% · Tier avg: 0.64%
42
42th pctile
Return on Assets
Current: 0.94% · Tier avg: 1.08%
50
50th pctile
Nonperforming Asset Ratio
Current: 0.28% · Tier avg: 0.45%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
53
53th pctile
Efficiency Ratio
Current: 65.03% · Tier avg: 67.73%
71
71th pctile
Non-Interest Income / Assets
Current: 0.52% · Tier avg: 0.56%
71
71th pctile
Non-Interest-Bearing Deposit Share
Current: 27.26% · Tier avg: 22.39%
93
93th pctile
Loan-to-Deposit Ratio
Current: 41.86% · Tier avg: 74.53%