BlastPoint's Banking Scorecard
First Security Bank - West
Designations: ✓ Community bank
Beulah, ND
2 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 536 banks in the under $100M peer group nationwide — 1 of 13 in ND.
- Deposits +6.5% year over year ($66.5M on the books).
- Delinquency rate 4.70%.
- Return on assets 0.78%.
- Efficiency ratio 72.54% vs a 119.40% peer average.
- Loan-to-deposit ratio 31.97% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
First Security Bank - West has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 46.85% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 3.22% above tier average
- - ROA 0.22% below tier average
- - Net Interest Margin 0.52% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$75.2M
+7.6% YoY
+1.4% QoQ
|
+$12.7M |
$62.4M
-0.0% YoY
|
$1.1B
+6.9% YoY
|
$6.3B
+7.7% YoY
|
64% |
| Total Loans ? |
$21.3M
-29.0% YoY
-18.6% QoQ
|
-$13.6M |
$34.9M
-0.6% YoY
|
$805.2M
+6.2% YoY
|
$3.2B
+9.4% YoY
|
30% |
| Total Deposits ? |
$66.5M
+6.5% YoY
+1.1% QoQ
|
+$14.9M |
$51.6M
-0.2% YoY
|
$922.2M
+5.0% YoY
|
$4.9B
+7.3% YoY
|
69% |
| Return on Assets ? |
0.78%
-46.0% YoY
+43.0% QoQ
|
-0.22% |
1.00%
+3.5% YoY
|
1.44%
+8.8% YoY
|
1.30%
+12.1% YoY
|
39% |
| Net Interest Margin ? |
3.40%
-12.2% YoY
-0.6% QoQ
|
-0.52% |
3.91%
+2.3% YoY
|
3.79%
+4.3% YoY
|
3.95%
+4.9% YoY
|
26% |
| Efficiency Ratio ? |
72.54%
+13.5% YoY
-0.3% QoQ
|
-46.85% |
119.40%
+49.6% YoY
|
59.23%
-3.7% YoY
|
70.05%
+2.5% YoY
|
46% |
| Delinquency Rate ? |
4.70%
-30.0% QoQ
|
+3.22% |
1.48%
+31.8% YoY
|
0.86%
+16.6% YoY
|
0.98%
+16.3% YoY
|
Bottom 6.0% in tier |
| Loan-to-Deposit Ratio ? |
31.97%
-33.4% YoY
-19.6% QoQ
|
-42.24% |
74.21%
+12.6% YoY
|
73.82%
-0.7% YoY
|
79.03%
+2.3% YoY
|
Top 10.1% in tier |
| Non-Interest-Bearing Deposit Share ? |
25.78%
-6.0% YoY
-6.8% QoQ
|
+2.29% |
23.49%
+0.6% YoY
|
21.56%
+2.8% YoY
|
21.98%
-0.6% YoY
|
61% |
| Nonperforming Asset Ratio ? |
1.33%
-43.9% QoQ
|
+0.49% |
0.84%
+23.0% YoY
|
0.54%
+8.1% YoY
|
0.69%
+15.8% YoY
|
19% |
| Tier 1 Capital Ratio ? |
45.99%
+36.7% YoY
+10.4% QoQ
|
+18.86% |
27.13%
+3.0% YoY
|
12.90%
+0.7% YoY
|
17.09%
+0.8% YoY
|
Top 8.8% in tier |
| Non-Interest Income / Assets ? |
0.09%
-0.0% YoY
+84.2% QoQ
|
-1.29% |
1.38%
+6.3% 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 |
25.8%
-1.6pp YoY -1.9pp QoQ |
+1.1pp | 24.6% | 21.6% | 22.2% | 59% |
| Brokered Deposits | n/a | n/a | 9.8% | 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 |
13.1%
-0.5pp YoY +2.3pp QoQ |
-0.3pp | 13.4% | 12.9% | 12.5% | 61% |
| CRE | n/a | n/a | 25.2% | 29.0% | 41.4% | n/a |
| 1-4 Family |
9.9%
+6.9pp YoY +2.5pp QoQ |
-25.1pp | 35.0% | 12.3% | 31.3% | 20% |
| Consumer |
3.6%
+2.4pp YoY -0.6pp QoQ |
-4.0pp | 7.7% | 4.5% | 5.0% | 38% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
46.0%
+12.3pp YoY +4.3pp QoQ |
+7.3pp | 38.7% | 15.3% | 19.7% | 85% |
| Leverage Ratio |
12.9%
+0.7pp YoY -0.6pp QoQ |
-4.8pp | 17.7% | 10.7% | 12.6% | 51% |
| Total Capital Ratio |
47.2%
+12.4pp YoY +4.5pp QoQ |
+7.6pp | 39.7% | 16.3% | 20.8% | 85% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
9
0 YoY 0 QoQ |
-3 | 12 | 138 | 482 | 36% |
| Assets per Employee ($) |
$8.4M
+7.6% YoY +1.4% QoQ |
+$2.2M | $6.2M | $8.3M | $8.8M | 83% |
| Branch Count |
2
0 YoY 0 QoQ |
+0 | 1 | 7 | 18 | 63% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
4.7%
+0.4pp QoQ |
+3.7pp | 1.0% | 0.5% | 0.4% | 97% |
| Nonaccrual | n/a | n/a | 1.7% | 0.7% | 1.0% | n/a |
| Allowance Coverage |
0.26x
+84.1% QoQ |
-6.15x | 6.41x | 73.79x | 20.23x | 5% |
| Net Charge-off Rate (YTD) |
0.0%
+0.1pp YoY -0.2pp QoQ |
-0.1pp | 0.2% | 0.1% | 0.2% | 46% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
6.8%
-7.8pp YoY +2.1pp QoQ |
+0.4pp | 6.4% | 16.0% | 11.6% | 41% |
| Cost of Funds (YTD) |
0.7%
0.0pp YoY 0.0pp QoQ |
-0.7pp | 1.4% | 1.7% | 1.7% | 14% |
| Net Income ($, YTD) |
$284,000
-43.8% YoY — QoQ |
-$34K | $317,817 | $7.0M | $40.4M | 49% |
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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.