BlastPoint's Banking Scorecard
First State Bank of Golva
Golva, 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 +2.4% year over year ($110.1M on the books).
- Delinquency rate 2.53%.
- Return on assets 2.29%.
- Efficiency ratio 40.47% vs a 64.48% peer average.
- Loan-to-deposit ratio 47.93% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
First State Bank of Golva has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 0.97% above tier average
- + Efficiency Ratio 24.00% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 1.61% above tier average
- - Non-Interest Income / Assets 0.54% below tier average
- - Net Interest Margin 0.05% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$123.5M
+8.1% YoY
+2.2% QoQ
|
-$263.0M |
$386.6M
+1.2% YoY
|
$1.1B
+6.9% YoY
|
$6.3B
+7.7% YoY
|
Bottom 6.7% in tier |
| Total Loans ? |
$52.8M
+17.2% YoY
+19.4% QoQ
|
-$205.6M |
$258.3M
+1.7% YoY
|
$805.2M
+6.2% YoY
|
$3.2B
+9.4% YoY
|
Bottom 3.3% in tier |
| Total Deposits ? |
$110.1M
+2.4% YoY
-2.6% QoQ
|
-$216.6M |
$326.7M
+0.7% YoY
|
$922.2M
+5.0% YoY
|
$4.9B
+7.3% YoY
|
Bottom 8.7% in tier |
| Return on Assets ? |
2.29%
-6.9% YoY
-1.3% QoQ
|
+0.97% |
1.32%
+10.8% YoY
|
1.44%
+8.8% YoY
|
1.30%
+12.1% YoY
|
Top 7.2% in tier |
| Net Interest Margin ? |
3.93%
-5.0% YoY
-0.0% QoQ
|
-0.05% |
3.99%
+5.0% YoY
|
3.79%
+4.3% YoY
|
3.95%
+4.9% YoY
|
50% |
| Efficiency Ratio ? |
40.47%
+1.2% YoY
+3.1% QoQ
|
-24.00% |
64.48%
-3.2% YoY
|
59.23%
-3.7% YoY
|
70.05%
+2.5% YoY
|
Top 4.4% in tier |
| Delinquency Rate ? |
2.53%
-16.4% YoY
-17.2% QoQ
|
+1.61% |
0.92%
+15.7% YoY
|
0.86%
+16.6% YoY
|
0.98%
+16.3% YoY
|
Bottom 8.6% in tier |
| Loan-to-Deposit Ratio ? |
47.93%
+14.4% YoY
+22.6% QoQ
|
-30.02% |
77.95%
+1.0% YoY
|
73.82%
-0.7% YoY
|
79.03%
+2.3% YoY
|
Top 7.4% in tier |
| Non-Interest-Bearing Deposit Share ? |
26.50%
+4.6% YoY
+2.2% QoQ
|
+4.47% |
22.03%
-0.6% YoY
|
21.56%
+2.8% YoY
|
21.98%
-0.6% YoY
|
72% |
| Nonperforming Asset Ratio ? |
1.08%
-9.3% YoY
-3.3% QoQ
|
+0.41% |
0.67%
+16.4% YoY
|
0.54%
+8.1% YoY
|
0.69%
+15.8% YoY
|
19% |
| Tier 1 Capital Ratio ? |
15.38%
-11.8% YoY
+0.1% QoQ
|
-0.53% |
15.91%
+1.4% YoY
|
12.90%
+0.7% YoY
|
17.09%
+0.8% YoY
|
69% |
| Non-Interest Income / Assets ? |
0.03%
-25.6% YoY
+201.7% QoQ
|
-0.54% |
0.57%
+7.6% YoY
|
0.22%
-1.4% YoY
|
0.66%
+5.2% YoY
|
Bottom 2.7% in tier |
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 |
26.5%
+1.2pp YoY +0.6pp QoQ |
+4.3pp | 22.1% | 21.6% | 22.2% | 71% |
| Brokered Deposits | n/a | n/a | 7.9% | 6.0% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
11.7%
+1.5pp YoY +1.6pp QoQ |
+0.1pp | 11.6% | 12.9% | 12.5% | 62% |
| CRE | n/a | n/a | 39.5% | 29.0% | 41.4% | n/a |
| 1-4 Family |
12.5%
-1.0pp YoY -1.4pp QoQ |
-20.2pp | 32.6% | 12.3% | 31.3% | 14% |
| Consumer |
6.6%
-0.3pp YoY -0.5pp QoQ |
+2.5pp | 4.1% | 4.5% | 5.0% | 84% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
15.4%
-2.1pp YoY 0.0pp QoQ |
-3.4pp | 18.8% | 15.3% | 19.7% | 53% |
| Leverage Ratio |
9.0%
-0.6pp YoY -0.5pp QoQ |
-3.2pp | 12.2% | 10.7% | 12.6% | 12% |
| Total Capital Ratio |
16.3%
-2.2pp YoY +0.1pp QoQ |
-3.6pp | 19.9% | 16.3% | 20.8% | 51% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
10
+1 (+11.1%) YoY 0 QoQ |
-49 | 58 | 138 | 482 | 1% |
| Assets per Employee ($) |
$12.4M
-2.7% YoY +2.2% QoQ |
+$4.8M | $7.5M | $8.3M | $8.8M | 93% |
| Branch Count |
3
0 YoY 0 QoQ |
-2 | 4 | 7 | 18 | 26% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.5% | 0.4% | n/a |
| Nonaccrual |
2.5%
-0.5pp YoY -0.5pp QoQ |
+1.6pp | 0.9% | 0.7% | 1.0% | 92% |
| Allowance Coverage |
0.31x
+3.8% YoY +1.2% QoQ |
-23.84x | 24.15x | 73.79x | 20.23x | 4% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.1% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
36.0%
-8.2pp YoY +0.5pp QoQ |
+23.8pp | 12.2% | 16.0% | 11.6% | 99% |
| Cost of Funds (YTD) |
0.8%
-0.1pp YoY 0.0pp QoQ |
-0.9pp | 1.7% | 1.7% | 1.7% | 5% |
| Net Income ($, YTD) |
$1.4M
+0.5% YoY — QoQ |
-$1.2M | $2.6M | $7.0M | $40.4M | 38% |
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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.