BlastPoint's Banking Scorecard

Security First Bank of North Dakota

$100M-$1B Specialty: Agricultural ND FDIC cert 11519

New Salem, ND

5 branches across ND

2664 banks in the $100M-$1B peer group nationally 35 in ND

Security First Bank of North Dakota has 3 strengths but faces 1 concern

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

+ ROA 0.52% above tier average
+ Net Interest Margin 0.67% above tier average
+ Efficiency Ratio 4.09% below tier average

Key Concerns

Areas that may need attention

- Delinquency Rate 0.13% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (ND)	National Avg	Tier Percentile
Total Assets ?	$296.6M +7.0% YoY +4.2% QoQ	-$89.4M	$386.1M +0.5% YoY	$1.1B +4.5% YoY	$6.2B +9.1% YoY	46%
Total Loans ?	$219.5M -0.7% YoY -5.1% QoQ	-$36.2M	$255.7M +1.1% YoY	$779.7M +5.6% YoY	$3.2B +10.8% YoY	53%
Total Deposits ?	$251.5M +6.7% YoY +4.9% QoQ	-$76.5M	$328.0M +0.1% YoY	$930.6M +2.8% YoY	$4.8B +8.2% YoY	45%
Return on Assets ?	1.79% +10.4% YoY -4.0% QoQ	+0.52%	1.27% +12.9% YoY	1.38% +15.2% YoY	1.23% +13.4% YoY	81%
Net Interest Margin ?	4.60% +2.6% YoY -4.6% QoQ	+0.67%	3.93% +6.0% YoY	3.69% +5.3% YoY	3.89% +5.7% YoY	85%
Efficiency Ratio ?	61.19% -4.4% YoY +3.5% QoQ	-4.09%	65.29% -4.5% YoY	60.25% -5.8% YoY	66.95% -4.1% YoY	56%
Delinquency Rate ?	1.01% -50.2% YoY +0.4% QoQ	+0.13%	0.89% +18.8% YoY	0.92% +20.6% YoY	0.95% +18.8% YoY	28%
Loan-to-Deposit Ratio ?	87.26% -6.9% YoY -9.5% QoQ	+10.62%	76.64% +0.8% YoY	69.27% +0.4% YoY	76.70% +0.9% YoY	30%
Non-Interest-Bearing Deposit Share ?	21.66% +8.8% YoY -1.1% QoQ	-0.36%	22.02% -1.0% YoY	22.07% +2.0% YoY	22.01% -1.2% YoY	53%
Nonperforming Asset Ratio ?	0.75% -53.8% YoY -8.6% QoQ	+0.11%	0.64% +19.7% YoY	0.56% +12.7% YoY	0.67% +19.3% YoY	28%
Tier 1 Capital Ratio ?	12.99% +6.2% YoY +0.8% QoQ	-2.84%	15.83% +1.5% YoY	13.00% +1.5% YoY	17.06% +0.8% YoY	47%
Non-Interest Income / Assets ?	0.08% +5.8% YoY -77.5% QoQ	-0.20%	0.28% +9.3% YoY	0.12% +7.9% YoY	0.32% +4.1% YoY	42%

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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 2664 peers in $100M-$1B

Top Strengths (2 metrics)

406

Net Interest Margin

profitability

Value: 4.60%

Peer Median: 3.93%

#406 of 2664 Top 15.2% in $100M-$1B

497

Return on Assets

profitability

Value: 1.79%

Peer Median: 1.27%

#497 of 2664 Top 18.6% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available