BlastPoint's Banking Scorecard
The Citizens State Bank at Mohall
Micro
Specialty: Agricultural
ND
FDIC cert 8632
Designations: ✓ Community bank
Mohall, ND
2498
banks in Micro tier nationally
40 in ND
View Micro leaderboard (ND) →
The Citizens State Bank at Mohall 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
- - Non-Interest Income / Assets 0.45% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$79.5M
+9.4% YoY
+2.9% QoQ
|
-$138.0M |
$217.5M
+2.3% YoY
|
$1.1B
+4.8% YoY
|
$5.9B
+6.5% YoY
|
16% |
| Total Loans ? |
$58.4M
+8.0% YoY
+4.0% QoQ
|
-$80.8M |
$139.2M
+2.8% YoY
|
$765.4M
+5.0% YoY
|
$3.1B
+8.5% YoY
|
24% |
| Total Deposits ? |
$65.6M
+3.9% YoY
+2.1% QoQ
|
-$118.1M |
$183.7M
+1.8% YoY
|
$905.0M
+3.6% YoY
|
$4.7B
+6.3% YoY
|
16% |
| Return on Assets ? |
0.95%
+50.8% YoY
-3.5% QoQ
|
-0.14% |
1.08%
+14.7% YoY
|
1.32%
+12.0% YoY
|
1.12%
+15.6% YoY
|
42% |
| Net Interest Margin ? |
3.79%
+5.3% YoY
-0.7% QoQ
|
-0.06% |
3.85%
+6.6% YoY
|
3.71%
+7.8% YoY
|
3.75%
+7.1% YoY
|
49% |
| Efficiency Ratio ? |
74.70%
-9.5% YoY
+1.0% QoQ
|
+6.97% |
67.73%
-4.8% YoY
|
61.23%
-5.7% YoY
|
65.09%
-5.1% YoY
|
29% |
| Delinquency Rate ? |
0.74%
-32.2% YoY
+5.2% QoQ
|
+0.10% |
0.64%
+24.4% YoY
|
0.75%
+12.5% YoY
|
0.66%
+20.3% YoY
|
36% |
| Loan-to-Deposit Ratio ? |
88.98%
+4.0% YoY
+1.8% QoQ
|
+14.46% |
74.53%
+0.5% YoY
|
72.91%
+0.6% YoY
|
78.04%
+0.7% YoY
|
25% |
| Non-Interest-Bearing Deposit Share ? |
24.37%
-5.2% YoY
-3.3% QoQ
|
+1.98% |
22.39%
-1.3% YoY
|
21.38%
-4.0% YoY
|
21.79%
-1.3% YoY
|
61% |
| Nonperforming Asset Ratio ? |
0.54%
-33.0% YoY
+6.4% QoQ
|
+0.09% |
0.45%
+25.1% YoY
|
0.49%
+9.5% YoY
|
0.48%
+20.8% YoY
|
35% |
| Tier 1 Capital Ratio ? |
13.84%
-9.6% YoY
-9.5% QoQ
|
+4.99% |
8.85%
-3.4% YoY
|
7.43%
-1.1% YoY
|
9.75%
-1.9% YoY
|
67% |
| Non-Interest Income / Assets ? |
0.11%
-4.2% YoY
+35.8% QoQ
|
-0.45% |
0.56%
+0.3% YoY
|
0.45%
-9.1% YoY
|
0.65%
+0.6% YoY
|
Bottom 9% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Non-Interest Income / Assets
metric
Bottom 9%
in Micro
Why this stands out
Current:
0.11%
(Tier avg: 0.56%, National avg: 0.65%)
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
67
67th pctile
Tier 1 Capital Ratio
Current: 13.84% · Tier avg: 8.85%
61
61th pctile
Non-Interest-Bearing Deposit Share
Current: 24.37% · Tier avg: 22.39%
49
49th pctile
Net Interest Margin
Current: 3.79% · Tier avg: 3.85%
42
42th pctile
Return on Assets
Current: 0.95% · Tier avg: 1.08%
36
36th pctile
Delinquency Rate
Current: 0.74% · Tier avg: 0.64%
35
35th pctile
Nonperforming Asset Ratio
Current: 0.54% · Tier avg: 0.45%
29
29th pctile
Efficiency Ratio
Current: 74.70% · Tier avg: 67.73%
25
25th pctile
Loan-to-Deposit Ratio
Current: 88.98% · Tier avg: 74.53%
24
24th pctile
Total Loans
Current: $58.4M · Tier avg: $139.2M
16
16th pctile
Total Assets
Current: $79.5M · Tier avg: $217.5M
16
16th pctile
Total Deposits
Current: $65.6M · Tier avg: $183.7M
9
9th pctile
Non-Interest Income / Assets
Current: 0.11% · Tier avg: 0.56%
Top Weaknesses
9
9th pctile
Non-Interest Income / Assets
Current: 0.11% · Tier avg: 0.56%
16
16th pctile
Total Deposits
Current: $65.6M · Tier avg: $183.7M
16
16th pctile
Total Assets
Current: $79.5M · Tier avg: $217.5M
24
24th pctile
Total Loans
Current: $58.4M · Tier avg: $139.2M
25
25th pctile
Loan-to-Deposit Ratio
Current: 88.98% · Tier avg: 74.53%
29
29th pctile
Efficiency Ratio
Current: 74.70% · Tier avg: 67.73%
35
35th pctile
Nonperforming Asset Ratio
Current: 0.54% · Tier avg: 0.45%
36
36th pctile
Delinquency Rate
Current: 0.74% · Tier avg: 0.64%
42
42th pctile
Return on Assets
Current: 0.95% · Tier avg: 1.08%
49
49th pctile
Net Interest Margin
Current: 3.79% · Tier avg: 3.85%
61
61th pctile
Non-Interest-Bearing Deposit Share
Current: 24.37% · Tier avg: 22.39%
67
67th pctile
Tier 1 Capital Ratio
Current: 13.84% · Tier avg: 8.85%