BlastPoint's Banking Scorecard
Citizens State Bank of Lankin
Micro
Specialty: Agricultural
ND
FDIC cert 9422
Designations: ✓ Community bank
Lankin, ND
2498
banks in Micro tier nationally
40 in ND
View Micro leaderboard (ND) →
Citizens State Bank of Lankin shows strong momentum with 1 strength and 7.0% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 14.41% 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 ? |
$72.2M
+7.0% YoY
+2.5% QoQ
|
-$145.3M |
$217.5M
+2.3% YoY
|
$1.1B
+4.8% YoY
|
$5.9B
+6.5% YoY
|
Bottom 14% in tier |
| Total Loans ? |
$51.1M
+9.9% YoY
+2.1% QoQ
|
-$88.1M |
$139.2M
+2.8% YoY
|
$765.4M
+5.0% YoY
|
$3.1B
+8.5% YoY
|
20% |
| Total Deposits ? |
$61.3M
+9.0% YoY
+4.7% QoQ
|
-$122.3M |
$183.7M
+1.8% YoY
|
$905.0M
+3.6% YoY
|
$4.7B
+6.3% YoY
|
Bottom 14% in tier |
| Return on Assets ? |
1.32%
+60.9% YoY
-2.4% QoQ
|
+0.24% |
1.08%
+14.7% YoY
|
1.32%
+12.0% YoY
|
1.12%
+15.6% YoY
|
66% |
| Net Interest Margin ? |
4.87%
+12.3% YoY
+0.8% QoQ
|
+1.01% |
3.85%
+6.6% YoY
|
3.71%
+7.8% YoY
|
3.75%
+7.1% YoY
|
Top 12% in tier |
| Efficiency Ratio ? |
69.22%
-13.1% YoY
+3.5% QoQ
|
+1.49% |
67.73%
-4.8% YoY
|
61.23%
-5.7% YoY
|
65.09%
-5.1% YoY
|
42% |
| Delinquency Rate ? |
1.49%
+177.0% YoY
+179.3% QoQ
|
+0.85% |
0.64%
+24.4% YoY
|
0.75%
+12.5% YoY
|
0.66%
+20.3% YoY
|
19% |
| Loan-to-Deposit Ratio ? |
83.30%
+0.9% YoY
-2.5% QoQ
|
+8.77% |
74.53%
+0.5% YoY
|
72.91%
+0.6% YoY
|
78.04%
+0.7% YoY
|
35% |
| Non-Interest-Bearing Deposit Share ? |
36.80%
-14.2% YoY
-3.5% QoQ
|
+14.41% |
22.39%
-1.3% YoY
|
21.38%
-4.0% YoY
|
21.79%
-1.3% YoY
|
Top 10% in tier |
| Nonperforming Asset Ratio ? |
1.05%
+184.6% YoY
+178.0% QoQ
|
+0.60% |
0.45%
+25.1% YoY
|
0.49%
+9.5% YoY
|
0.48%
+20.8% YoY
|
18% |
| 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 ? |
0.30%
+1.0% YoY
+41.7% QoQ
|
-0.26% |
0.56%
+0.3% YoY
|
0.45%
-9.1% YoY
|
0.65%
+0.6% YoY
|
40% |
Signature Analysis
Strengths (1)
Non-Interest-Bearing Deposit Share
metric
Top 10%
in Micro
Why this stands out
Current:
36.80%
(Tier avg: 22.39%, National avg: 21.79%)
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
90
90th pctile
Non-Interest-Bearing Deposit Share
Current: 36.80% · Tier avg: 22.39%
88
88th pctile
Net Interest Margin
Current: 4.87% · Tier avg: 3.85%
66
66th pctile
Return on Assets
Current: 1.32% · Tier avg: 1.08%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
42
42th pctile
Efficiency Ratio
Current: 69.22% · Tier avg: 67.73%
40
40th pctile
Non-Interest Income / Assets
Current: 0.30% · Tier avg: 0.56%
35
35th pctile
Loan-to-Deposit Ratio
Current: 83.30% · Tier avg: 74.53%
20
20th pctile
Total Loans
Current: $51.1M · Tier avg: $139.2M
19
19th pctile
Delinquency Rate
Current: 1.49% · Tier avg: 0.64%
18
18th pctile
Nonperforming Asset Ratio
Current: 1.05% · Tier avg: 0.45%
14
14th pctile
Total Deposits
Current: $61.3M · Tier avg: $183.7M
14
14th pctile
Total Assets
Current: $72.2M · Tier avg: $217.5M
Top Weaknesses
14
14th pctile
Total Assets
Current: $72.2M · Tier avg: $217.5M
14
14th pctile
Total Deposits
Current: $61.3M · Tier avg: $183.7M
18
18th pctile
Nonperforming Asset Ratio
Current: 1.05% · Tier avg: 0.45%
19
19th pctile
Delinquency Rate
Current: 1.49% · Tier avg: 0.64%
20
20th pctile
Total Loans
Current: $51.1M · Tier avg: $139.2M
35
35th pctile
Loan-to-Deposit Ratio
Current: 83.30% · Tier avg: 74.53%
40
40th pctile
Non-Interest Income / Assets
Current: 0.30% · Tier avg: 0.56%
42
42th pctile
Efficiency Ratio
Current: 69.22% · Tier avg: 67.73%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
66
66th pctile
Return on Assets
Current: 1.32% · Tier avg: 1.08%
88
88th pctile
Net Interest Margin
Current: 4.87% · Tier avg: 3.85%
90
90th pctile
Non-Interest-Bearing Deposit Share
Current: 36.80% · Tier avg: 22.39%