BlastPoint's Banking Scorecard
Security First Bank of North Dakota
New Salem, ND
5 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 +4.9% year over year ($246.8M on the books).
- Delinquency rate 0.00%.
- Return on assets 1.86%.
- Efficiency ratio 61.48% vs a 64.48% peer average.
- Loan-to-deposit ratio 92.64% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Security First Bank of North Dakota has 4 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.92% below tier average
- + ROA 0.54% above tier average
- + Net Interest Margin 0.73% above tier average
- + Efficiency Ratio 2.99% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 10.3% in tier
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$293.2M
+5.5% YoY
-1.2% QoQ
|
-$93.4M |
$386.6M
+1.2% YoY
|
$1.1B
+6.9% YoY
|
$6.3B
+7.7% YoY
|
44% |
| Total Loans ? |
$228.7M
+0.6% YoY
+4.2% QoQ
|
-$29.7M |
$258.3M
+1.7% YoY
|
$805.2M
+6.2% YoY
|
$3.2B
+9.4% YoY
|
54% |
| Total Deposits ? |
$246.8M
+4.9% YoY
-1.9% QoQ
|
-$79.9M |
$326.7M
+0.7% YoY
|
$922.2M
+5.0% YoY
|
$4.9B
+7.3% YoY
|
44% |
| Return on Assets ? |
1.86%
-1.8% YoY
+3.9% QoQ
|
+0.54% |
1.32%
+10.8% YoY
|
1.44%
+8.8% YoY
|
1.30%
+12.1% YoY
|
83% |
| Net Interest Margin ? |
4.72%
-0.3% YoY
+2.5% QoQ
|
+0.73% |
3.99%
+5.0% YoY
|
3.79%
+4.3% YoY
|
3.95%
+4.9% YoY
|
Top 13.7% in tier |
| Efficiency Ratio ? |
61.48%
+1.4% YoY
+0.5% QoQ
|
-2.99% |
64.48%
-3.2% YoY
|
59.23%
-3.7% YoY
|
70.05%
+2.5% YoY
|
53% |
| Delinquency Rate ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-0.92% |
0.92%
+15.7% YoY
|
0.86%
+16.6% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
92.64%
-4.1% YoY
+6.2% QoQ
|
+14.69% |
77.95%
+1.0% YoY
|
73.82%
-0.7% YoY
|
79.03%
+2.3% YoY
|
21% |
| Non-Interest-Bearing Deposit Share ? |
19.51%
+3.4% YoY
-9.9% QoQ
|
-2.52% |
22.03%
-0.6% YoY
|
21.56%
+2.8% YoY
|
21.98%
-0.6% YoY
|
43% |
| Nonperforming Asset Ratio ? |
0.74%
-54.0% YoY
-0.6% QoQ
|
+0.08% |
0.67%
+16.4% YoY
|
0.54%
+8.1% YoY
|
0.69%
+15.8% YoY
|
29% |
| Tier 1 Capital Ratio ? |
12.99%
+5.9% YoY
-0.0% QoQ
|
-2.91% |
15.91%
+1.4% YoY
|
12.90%
+0.7% YoY
|
17.09%
+0.8% YoY
|
48% |
| Non-Interest Income / Assets ? |
0.17%
-4.1% YoY
+109.3% QoQ
|
-0.39% |
0.57%
+7.6% YoY
|
0.22%
-1.4% YoY
|
0.66%
+5.2% YoY
|
43% |
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 |
19.5%
+0.6pp YoY -2.2pp QoQ |
-2.6pp | 22.1% | 21.6% | 22.2% | 43% |
| 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 |
9.5%
-3.1pp YoY +0.1pp QoQ |
-2.0pp | 11.6% | 12.9% | 12.5% | 49% |
| CRE |
39.0%
-6.9pp YoY -1.5pp QoQ |
-0.5pp | 39.5% | 29.0% | 41.4% | 51% |
| 1-4 Family |
14.0%
+3.3pp YoY +0.6pp QoQ |
-18.6pp | 32.6% | 12.3% | 31.3% | 18% |
| Consumer |
1.6%
+0.1pp YoY 0.0pp QoQ |
-2.5pp | 4.1% | 4.5% | 5.0% | 41% |
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 |
13.0%
+0.7pp YoY 0.0pp QoQ |
+0.8pp | 12.2% | 10.7% | 12.6% | 75% |
| 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 |
38
+1 (+2.7%) YoY +1 (+2.7%) QoQ |
-21 | 58 | 138 | 482 | 39% |
| Assets per Employee ($) |
$7.7M
+2.8% YoY -3.8% QoQ |
+$196K | $7.5M | $8.3M | $8.8M | 64% |
| Branch Count |
5
0 YoY 0 QoQ |
0 | 4 | 7 | 18 | 55% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.5% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 0.9% | 0.7% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 24.15x | 73.79x | 20.23x | n/a |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.1% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
14.8%
-1.4pp YoY +0.4pp QoQ |
+2.6pp | 12.2% | 16.0% | 11.6% | 67% |
| Cost of Funds (YTD) |
1.2%
-0.3pp YoY 0.0pp QoQ |
-0.5pp | 1.7% | 1.7% | 1.7% | 19% |
| Net Income ($, YTD) |
$2.7M
+3.9% YoY — QoQ |
+$161K | $2.6M | $7.0M | $40.4M | 65% |
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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)
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.