BlastPoint's Banking Scorecard
BankNorth
Community
Specialty: Agricultural
ND
FDIC cert 8387
Arthur, ND
1484
banks in Community tier nationally
17 in ND
View Community leaderboard (ND) →
BankNorth has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 48% in Community
- + Net Interest Margin 1.21% above tier
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 25.42% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$697.0M
+7.4% YoY
+2.3% QoQ
|
-$694.4M |
$1.4B
+2.0% YoY
|
$1.1B
+4.8% YoY
|
$5.9B
+6.5% YoY
|
27% |
| Total Loans ? |
$598.1M
+9.2% YoY
+1.8% QoQ
|
-$377.4M |
$975.5M
+2.4% YoY
|
$765.4M
+5.0% YoY
|
$3.1B
+8.5% YoY
|
41% |
| Total Deposits ? |
$551.3M
+7.9% YoY
+9.6% QoQ
|
-$613.3M |
$1.2B
+1.7% YoY
|
$905.0M
+3.6% YoY
|
$4.7B
+6.3% YoY
|
21% |
| Return on Assets ? |
1.69%
+21.5% YoY
+5.9% QoQ
|
+0.52% |
1.16%
+17.2% YoY
|
1.32%
+12.0% YoY
|
1.12%
+15.6% YoY
|
83% |
| Net Interest Margin ? |
4.88%
+1.3% YoY
-0.5% QoQ
|
+1.21% |
3.66%
+9.1% YoY
|
3.71%
+7.8% YoY
|
3.75%
+7.1% YoY
|
Top 6% in tier |
| Efficiency Ratio ? |
59.03%
-11.0% YoY
-1.8% QoQ
|
-3.60% |
62.63%
-5.3% YoY
|
61.23%
-5.7% YoY
|
65.09%
-5.1% YoY
|
60% |
| Delinquency Rate ? |
0.18%
-39.1% YoY
-44.8% QoQ
|
-0.45% |
0.63%
+18.3% YoY
|
0.75%
+12.5% YoY
|
0.66%
+20.3% YoY
|
73% |
| Loan-to-Deposit Ratio ? |
108.48%
+1.2% YoY
-7.1% QoQ
|
+25.42% |
83.06%
+0.3% YoY
|
72.91%
+0.6% YoY
|
78.04%
+0.7% YoY
|
Bottom 4% in tier |
| Non-Interest-Bearing Deposit Share ? |
25.76%
-4.5% YoY
+5.9% QoQ
|
+4.71% |
21.05%
-0.9% YoY
|
21.38%
-4.0% YoY
|
21.79%
-1.3% YoY
|
72% |
| Nonperforming Asset Ratio ? |
0.15%
-38.1% YoY
-45.1% QoQ
|
-0.35% |
0.50%
+20.3% YoY
|
0.49%
+9.5% YoY
|
0.48%
+20.8% YoY
|
70% |
| Tier 1 Capital Ratio ? |
10.24%
+3.8% YoY
+2.8% QoQ
|
0 |
10.24%
-0.6% YoY
|
7.43%
-1.1% YoY
|
9.75%
-1.9% YoY
|
32% |
| Non-Interest Income / Assets ? |
0.26%
+54.3% YoY
+39.0% QoQ
|
-0.48% |
0.74%
-1.3% YoY
|
0.45%
-9.1% YoY
|
0.65%
+0.6% YoY
|
18% |
Signature Analysis
Strengths (2)
Profitability Leader
growth
#180 of 371 · Top 48% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
1.69%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank improving
Net Interest Margin
metric
Top 6%
in Community
Why this stands out
Current:
4.88%
(Tier avg: 3.66%, National avg: 3.75%)
Concerns (1)
Loan-to-Deposit Ratio
metric
Bottom 4%
in Community
Why this stands out
Current:
108.48%
(Tier avg: 83.06%, National avg: 78.04%)
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
94
94th pctile
Net Interest Margin
Current: 4.88% · Tier avg: 3.66%
83
83th pctile
Return on Assets
Current: 1.69% · Tier avg: 1.16%
73
73th pctile
Delinquency Rate
Current: 0.18% · Tier avg: 0.63%
72
72th pctile
Non-Interest-Bearing Deposit Share
Current: 25.76% · Tier avg: 21.05%
70
70th pctile
Nonperforming Asset Ratio
Current: 0.15% · Tier avg: 0.50%
60
60th pctile
Efficiency Ratio
Current: 59.03% · Tier avg: 62.63%
41
41th pctile
Total Loans
Current: $598.1M · Tier avg: $975.5M
32
32th pctile
Tier 1 Capital Ratio
Current: 10.24% · Tier avg: 10.24%
27
27th pctile
Total Assets
Current: $697.0M · Tier avg: $1.4B
21
21th pctile
Total Deposits
Current: $551.3M · Tier avg: $1.2B
18
18th pctile
Non-Interest Income / Assets
Current: 0.26% · Tier avg: 0.74%
4
4th pctile
Loan-to-Deposit Ratio
Current: 108.48% · Tier avg: 83.06%
Top Weaknesses
4
4th pctile
Loan-to-Deposit Ratio
Current: 108.48% · Tier avg: 83.06%
18
18th pctile
Non-Interest Income / Assets
Current: 0.26% · Tier avg: 0.74%
21
21th pctile
Total Deposits
Current: $551.3M · Tier avg: $1.2B
27
27th pctile
Total Assets
Current: $697.0M · Tier avg: $1.4B
32
32th pctile
Tier 1 Capital Ratio
Current: 10.24% · Tier avg: 10.24%
41
41th pctile
Total Loans
Current: $598.1M · Tier avg: $975.5M
60
60th pctile
Efficiency Ratio
Current: 59.03% · Tier avg: 62.63%
70
70th pctile
Nonperforming Asset Ratio
Current: 0.15% · Tier avg: 0.50%
72
72th pctile
Non-Interest-Bearing Deposit Share
Current: 25.76% · Tier avg: 21.05%
73
73th pctile
Delinquency Rate
Current: 0.18% · Tier avg: 0.63%
83
83th pctile
Return on Assets
Current: 1.69% · Tier avg: 1.16%
94
94th pctile
Net Interest Margin
Current: 4.88% · Tier avg: 3.66%