BlastPoint's Banking Scorecard
Rolette State Bank
Micro
Specialty: Agricultural
ND
FDIC cert 9120
Designations: ✓ Community bank
Rolette, ND
2498
banks in Micro tier nationally
40 in ND
View Micro leaderboard (ND) →
Rolette State Bank shows strong momentum with 2 strengths and 5.9% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.30% above tier
- + Non-Interest Income / Assets 0.36% 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 (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$49.2M
+5.9% YoY
+2.7% QoQ
|
-$168.2M |
$217.5M
+2.3% YoY
|
$1.1B
+4.8% YoY
|
$5.9B
+6.5% YoY
|
Bottom 7% in tier |
| Total Loans ? |
$34.5M
-0.3% YoY
-2.7% QoQ
|
-$104.7M |
$139.2M
+2.8% YoY
|
$765.4M
+5.0% YoY
|
$3.1B
+8.5% YoY
|
Bottom 13% in tier |
| Total Deposits ? |
$44.0M
+8.1% YoY
+3.4% QoQ
|
-$139.7M |
$183.7M
+1.8% YoY
|
$905.0M
+3.6% YoY
|
$4.7B
+6.3% YoY
|
Bottom 8% in tier |
| Return on Assets ? |
1.63%
+73.7% YoY
-28.9% QoQ
|
+0.55% |
1.08%
+14.7% YoY
|
1.32%
+12.0% YoY
|
1.12%
+15.6% YoY
|
80% |
| Net Interest Margin ? |
5.15%
+16.4% YoY
+0.5% QoQ
|
+1.30% |
3.85%
+6.6% YoY
|
3.71%
+7.8% YoY
|
3.75%
+7.1% YoY
|
Top 7% in tier |
| Efficiency Ratio ? |
65.56%
-15.4% YoY
+12.4% QoQ
|
-2.17% |
67.73%
-4.8% YoY
|
61.23%
-5.7% YoY
|
65.09%
-5.1% YoY
|
52% |
| Delinquency Rate ? |
0.03%
-7.4% YoY
-97.9% QoQ
|
-0.61% |
0.64%
+24.4% YoY
|
0.75%
+12.5% YoY
|
0.66%
+20.3% YoY
|
77% |
| Loan-to-Deposit Ratio ? |
78.42%
-7.7% YoY
-5.9% QoQ
|
+3.89% |
74.53%
+0.5% YoY
|
72.91%
+0.6% YoY
|
78.04%
+0.7% YoY
|
46% |
| Non-Interest-Bearing Deposit Share ? |
23.84%
-7.1% YoY
+10.3% QoQ
|
+1.44% |
22.39%
-1.3% YoY
|
21.38%
-4.0% YoY
|
21.79%
-1.3% YoY
|
59% |
| Nonperforming Asset Ratio ? |
0.02%
-12.8% YoY
-98.0% QoQ
|
-0.43% |
0.45%
+25.1% YoY
|
0.49%
+9.5% YoY
|
0.48%
+20.8% YoY
|
78% |
| 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 ? |
0.92%
+50.8% YoY
+9.5% QoQ
|
+0.36% |
0.56%
+0.3% YoY
|
0.45%
-9.1% YoY
|
0.65%
+0.6% YoY
|
Top 9% in tier |
Signature Analysis
Strengths (2)
Net Interest Margin
metric
Top 7%
in Micro
Why this stands out
Current:
5.15%
(Tier avg: 3.85%, National avg: 3.75%)
Non-Interest Income / Assets
metric
Top 9%
in Micro
Why this stands out
Current:
0.92%
(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
93
93th pctile
Net Interest Margin
Current: 5.15% · Tier avg: 3.85%
91
91th pctile
Non-Interest Income / Assets
Current: 0.92% · Tier avg: 0.56%
80
80th pctile
Return on Assets
Current: 1.63% · Tier avg: 1.08%
78
78th pctile
Nonperforming Asset Ratio
Current: 0.02% · Tier avg: 0.45%
77
77th pctile
Delinquency Rate
Current: 0.03% · Tier avg: 0.64%
59
59th pctile
Non-Interest-Bearing Deposit Share
Current: 23.84% · Tier avg: 22.39%
52
52th pctile
Efficiency Ratio
Current: 65.56% · Tier avg: 67.73%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
46
46th pctile
Loan-to-Deposit Ratio
Current: 78.42% · Tier avg: 74.53%
13
13th pctile
Total Loans
Current: $34.5M · Tier avg: $139.2M
8
8th pctile
Total Deposits
Current: $44.0M · Tier avg: $183.7M
7
7th pctile
Total Assets
Current: $49.2M · Tier avg: $217.5M
Top Weaknesses
7
7th pctile
Total Assets
Current: $49.2M · Tier avg: $217.5M
8
8th pctile
Total Deposits
Current: $44.0M · Tier avg: $183.7M
13
13th pctile
Total Loans
Current: $34.5M · Tier avg: $139.2M
46
46th pctile
Loan-to-Deposit Ratio
Current: 78.42% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
52
52th pctile
Efficiency Ratio
Current: 65.56% · Tier avg: 67.73%
59
59th pctile
Non-Interest-Bearing Deposit Share
Current: 23.84% · Tier avg: 22.39%
77
77th pctile
Delinquency Rate
Current: 0.03% · Tier avg: 0.64%
78
78th pctile
Nonperforming Asset Ratio
Current: 0.02% · Tier avg: 0.45%
80
80th pctile
Return on Assets
Current: 1.63% · Tier avg: 1.08%
91
91th pctile
Non-Interest Income / Assets
Current: 0.92% · Tier avg: 0.56%
93
93th pctile
Net Interest Margin
Current: 5.15% · Tier avg: 3.85%