BlastPoint's Banking Scorecard
The Goose River Bank
Mayville, ND
3 branches across ND
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 34 in ND.
- Deposits +2.9% year over year ($147.3M on the books).
- Delinquency rate 1.73%.
- Return on assets 1.20%.
- Efficiency ratio 70.47% vs a 64.48% peer average.
- Loan-to-deposit ratio 87.66% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The Goose River Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.35% above tier average
Key Concerns
Areas that may need attention
- - ROA 0.12% below tier average
- - Efficiency Ratio 5.99% above tier average
- - Delinquency Rate 0.81% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$173.4M
+0.9% YoY
-3.2% QoQ
|
-$213.1M |
$386.6M
+1.2% YoY
|
$1.1B
+6.9% YoY
|
$6.3B
+7.7% YoY
|
20% |
| Total Loans ? |
$129.1M
-3.3% YoY
+0.4% QoQ
|
-$129.2M |
$258.3M
+1.7% YoY
|
$805.2M
+6.2% YoY
|
$3.2B
+9.4% YoY
|
28% |
| Total Deposits ? |
$147.3M
+2.9% YoY
-4.1% QoQ
|
-$179.4M |
$326.7M
+0.7% YoY
|
$922.2M
+5.0% YoY
|
$4.9B
+7.3% YoY
|
21% |
| Return on Assets ? |
1.20%
+7.0% YoY
+20.4% QoQ
|
-0.12% |
1.32%
+10.8% YoY
|
1.44%
+8.8% YoY
|
1.30%
+12.1% YoY
|
47% |
| Net Interest Margin ? |
4.34%
+7.0% YoY
+3.0% QoQ
|
+0.35% |
3.99%
+5.0% YoY
|
3.79%
+4.3% YoY
|
3.95%
+4.9% YoY
|
72% |
| Efficiency Ratio ? |
70.47%
+0.7% YoY
-7.5% QoQ
|
+5.99% |
64.48%
-3.2% YoY
|
59.23%
-3.7% YoY
|
70.05%
+2.5% YoY
|
29% |
| Delinquency Rate ? |
1.73%
-51.5% YoY
-26.1% QoQ
|
+0.81% |
0.92%
+15.7% YoY
|
0.86%
+16.6% YoY
|
0.98%
+16.3% YoY
|
16% |
| Loan-to-Deposit Ratio ? |
87.66%
-6.0% YoY
+4.7% QoQ
|
+9.71% |
77.95%
+1.0% YoY
|
73.82%
-0.7% YoY
|
79.03%
+2.3% YoY
|
31% |
| Non-Interest-Bearing Deposit Share ? |
24.27%
+5.6% YoY
-9.7% QoQ
|
+2.24% |
22.03%
-0.6% YoY
|
21.56%
+2.8% YoY
|
21.98%
-0.6% YoY
|
63% |
| Nonperforming Asset Ratio ? |
1.28%
-53.5% YoY
-23.3% QoQ
|
+0.62% |
0.67%
+16.4% YoY
|
0.54%
+8.1% YoY
|
0.69%
+15.8% YoY
|
15% |
| Tier 1 Capital Ratio ? |
11.48%
+5.2% YoY
-0.1% QoQ
|
-4.43% |
15.91%
+1.4% YoY
|
12.90%
+0.7% YoY
|
17.09%
+0.8% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.16%
+2.8% YoY
+115.2% QoQ
|
-0.41% |
0.57%
+7.6% YoY
|
0.22%
-1.4% YoY
|
0.66%
+5.2% YoY
|
38% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
24.3%
+1.3pp YoY -2.6pp QoQ |
+2.1pp | 22.1% | 21.6% | 22.2% | 63% |
| Brokered Deposits |
6.8%
-0.2pp YoY +0.3pp QoQ |
-1.1pp | 7.9% | 6.0% | 8.5% | 63% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
17.4%
-4.6pp YoY -0.3pp QoQ |
+5.9pp | 11.6% | 12.9% | 12.5% | 83% |
| CRE | n/a | n/a | 39.5% | 29.0% | 41.4% | n/a |
| 1-4 Family |
4.6%
-1.2pp YoY -0.9pp QoQ |
-28.0pp | 32.6% | 12.3% | 31.3% | 4% |
| Consumer |
2.9%
-0.1pp YoY +0.1pp QoQ |
-1.3pp | 4.1% | 4.5% | 5.0% | 58% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 15.3% | 19.7% | n/a |
| Leverage Ratio |
11.5%
+0.6pp YoY 0.0pp QoQ |
-0.7pp | 12.2% | 10.7% | 12.6% | 58% |
| Total Capital Ratio | n/a | n/a | 19.9% | 16.3% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
23
+1 (+4.5%) YoY +1 (+4.5%) QoQ |
-36 | 58 | 138 | 482 | 15% |
| Assets per Employee ($) |
$7.5M
-3.4% YoY -7.4% QoQ |
+$22K | $7.5M | $8.3M | $8.8M | 62% |
| Branch Count |
3
0 YoY 0 QoQ |
-2 | 4 | 7 | 18 | 26% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.2%
-3.3pp YoY -0.2pp QoQ |
-0.1pp | 0.3% | 0.5% | 0.4% | 67% |
| Nonaccrual |
1.5%
-0.4pp QoQ |
+0.6pp | 0.9% | 0.7% | 1.0% | 82% |
| Allowance Coverage |
0.56x
+101.6% YoY +42.2% QoQ |
-23.59x | 24.15x | 73.79x | 20.23x | 12% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY |
-0.1pp | 0.1% | 0.1% | 0.2% | 32% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
10.8%
-0.5pp YoY +1.7pp QoQ |
-1.4pp | 12.2% | 16.0% | 11.6% | 42% |
| Cost of Funds (YTD) |
1.5%
-0.3pp YoY 0.0pp QoQ |
-0.2pp | 1.7% | 1.7% | 1.7% | 35% |
| Net Income ($, YTD) |
$1.1M
+6.3% YoY — QoQ |
-$1.5M | $2.6M | $7.0M | $40.4M | 28% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.