BlastPoint's Banking Scorecard
The Goose River Bank
Mayville, ND
3 branches across ND
The Goose River Bank has 1 strength but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.28% above tier average
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 28.7% in tier
- - Delinquency Rate 1.45% above tier average
- - Nonperforming Asset Ratio 1.04% above tier average
- - ROA 0.27% below tier average
- - Efficiency Ratio 10.91% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$179.2M
-0.8% YoY
+0.5% QoQ
|
-$206.9M |
$386.1M
+0.5% YoY
|
$1.1B
+4.5% YoY
|
$6.2B
+9.1% YoY
|
21% |
| Total Loans ? |
$128.6M
-1.5% YoY
+0.4% QoQ
|
-$127.2M |
$255.7M
+1.1% YoY
|
$779.7M
+5.6% YoY
|
$3.2B
+10.8% YoY
|
29% |
| Total Deposits ? |
$153.6M
-0.5% YoY
+0.7% QoQ
|
-$174.4M |
$328.0M
+0.1% YoY
|
$930.6M
+2.8% YoY
|
$4.8B
+8.2% YoY
|
22% |
| Return on Assets ? |
1.00%
+17.5% YoY
-23.6% QoQ
|
-0.27% |
1.27%
+12.9% YoY
|
1.38%
+15.2% YoY
|
1.23%
+13.4% YoY
|
37% |
| Net Interest Margin ? |
4.21%
+5.8% YoY
+1.3% QoQ
|
+0.28% |
3.93%
+6.0% YoY
|
3.69%
+5.3% YoY
|
3.89%
+5.7% YoY
|
69% |
| Efficiency Ratio ? |
76.20%
+0.0% YoY
+14.5% QoQ
|
+10.91% |
65.29%
-4.5% YoY
|
60.25%
-5.8% YoY
|
66.95%
-4.1% YoY
|
20% |
| Delinquency Rate ? |
2.33%
-29.9% YoY
-16.3% QoQ
|
+1.45% |
0.89%
+18.8% YoY
|
0.92%
+20.6% YoY
|
0.95%
+18.8% YoY
|
Bottom 9.5% in tier |
| Loan-to-Deposit Ratio ? |
83.71%
-1.0% YoY
-0.3% QoQ
|
+7.07% |
76.64%
+0.8% YoY
|
69.27%
+0.4% YoY
|
76.70%
+0.9% YoY
|
38% |
| Non-Interest-Bearing Deposit Share ? |
26.87%
+6.0% YoY
+3.8% QoQ
|
+4.85% |
22.02%
-1.0% YoY
|
22.07%
+2.0% YoY
|
22.01%
-1.2% YoY
|
73% |
| Nonperforming Asset Ratio ? |
1.67%
-30.4% YoY
-16.3% QoQ
|
+1.04% |
0.64%
+19.7% YoY
|
0.56%
+12.7% YoY
|
0.67%
+19.3% YoY
|
Bottom 9.5% in tier |
| Tier 1 Capital Ratio ? |
11.49%
+7.0% YoY
-0.7% QoQ
|
-4.34% |
15.83%
+1.5% YoY
|
13.00%
+1.5% YoY
|
17.06%
+0.8% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.07%
-3.6% YoY
-74.4% QoQ
|
-0.21% |
0.28%
+9.3% YoY
|
0.12%
+7.9% YoY
|
0.32%
+4.1% YoY
|
35% |
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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 (1)
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.