BlastPoint's Banking Scorecard

First Security Bank - West

under $100M Specialty: Other ND FDIC cert 10253

Designations: ✓ Community bank

Beulah, ND

2 branches across ND

537 banks in the under $100M peer group nationally 12 in ND

First Security Bank - West has 1 strength but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Efficiency Ratio 18.64% below tier average

Key Concerns

Areas that may need attention

- Delinquency Rate 5.36% above tier average
- Nonperforming Asset Ratio 1.60% above tier average
- ROA 0.45% below tier average
- Net Interest Margin 0.45% below tier average

Get updates when First Security Bank - West releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (ND)	National Avg	Tier Percentile
Total Assets ?	$74.1M +3.5% YoY +5.3% QoQ	+$11.8M	$62.3M -0.5% YoY	$1.1B +4.5% YoY	$6.2B +9.0% YoY	63%
Total Loans ?	$26.1M -3.8% YoY -12.7% QoQ	-$8.2M	$34.3M -1.5% YoY	$779.7M +5.6% YoY	$3.2B +10.7% YoY	38%
Total Deposits ?	$65.8M +1.8% YoY +6.1% QoQ	+$13.9M	$51.8M -0.6% YoY	$930.6M +2.8% YoY	$4.8B +8.0% YoY	67%
Return on Assets ?	0.41% -67.9% YoY -74.6% QoQ	-0.45%	0.86% -3.6% YoY	1.38% +15.2% YoY	1.24% +13.1% YoY	26%
Net Interest Margin ?	3.42% -11.0% YoY -13.6% QoQ	-0.45%	3.87% +2.7% YoY	3.69% +5.3% YoY	3.89% +5.7% YoY	28%
Efficiency Ratio ?	68.99% +4.2% YoY +14.5% QoQ	-18.64%	87.63% +2.3% YoY	60.25% -5.8% YoY	66.84% -3.8% YoY	55%
Delinquency Rate ?	6.72% +78.7% QoQ	+5.36%	1.36% +33.7% YoY	0.92% +20.6% YoY	0.95% +18.8% YoY	Bottom 3.7% in tier
Loan-to-Deposit Ratio ?	39.75% -5.5% YoY -17.7% QoQ	-24.36%	64.11% -0.9% YoY	69.27% +0.4% YoY	76.69% +0.9% YoY	82%
Non-Interest-Bearing Deposit Share ?	27.66% -1.6% YoY -2.7% QoQ	+3.87%	23.79% +0.5% YoY	22.07% +2.0% YoY	22.01% -1.1% YoY	67%
Nonperforming Asset Ratio ?	2.37% +48.2% QoQ	+1.60%	0.77% +28.7% YoY	0.56% +12.7% YoY	0.66% +19.3% YoY	Bottom 8.0% in tier
Tier 1 Capital Ratio ?	41.65% +22.6% YoY +14.4% QoQ	+14.88%	26.77% +2.0% YoY	13.00% +1.5% YoY	17.06% +0.8% YoY	Top 8.8% in tier
Non-Interest Income / Assets ?	0.05% +14.7% YoY -73.3% QoQ	-0.62%	0.67% +1.6% YoY	0.12% +7.9% YoY	0.32% +4.0% YoY	43%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 537 peers in under $100M

Top Strengths (2 metrics)

Tier 1 Capital Ratio

capital

Value: 41.65%

Peer Median: 26.77%

#48 of 537 Top 8.8% in under $100M

Loan-to-Deposit Ratio

liquidity

Value: 39.75%

Peer Median: 64.11%

#99 of 537 Top 18.2% in under $100M

Top Weaknesses (2 metrics)

499

Delinquency Rate

credit_quality

Value: 6.72%

Peer Median: 1.36%

#499 of 517 Bottom 3.7% in under $100M

495

Nonperforming Asset Ratio

credit_quality

Value: 2.37%

Peer Median: 0.77%

#495 of 537 Bottom 8.0% in under $100M