BlastPoint's Banking Scorecard
TruCommunity Bank
Garrison, ND
4 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 +3.1% year over year ($282.3M on the books).
- Delinquency rate 2.21%.
- Return on assets 1.41%.
- Efficiency ratio 59.97% vs a 64.48% peer average.
- Loan-to-deposit ratio 77.51% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
TruCommunity Bank has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.08% above tier average
- + Net Interest Margin 0.37% above tier average
- + Efficiency Ratio 4.51% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 1.29% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$338.2M
+3.8% YoY
+5.4% QoQ
|
-$48.3M |
$386.6M
+1.2% YoY
|
$1.1B
+6.9% YoY
|
$6.3B
+7.7% YoY
|
52% |
| Total Loans ? |
$218.8M
+0.5% YoY
+8.3% QoQ
|
-$39.5M |
$258.3M
+1.7% YoY
|
$805.2M
+6.2% YoY
|
$3.2B
+9.4% YoY
|
52% |
| Total Deposits ? |
$282.3M
+3.1% YoY
-1.8% QoQ
|
-$44.4M |
$326.7M
+0.7% YoY
|
$922.2M
+5.0% YoY
|
$4.9B
+7.3% YoY
|
51% |
| Return on Assets ? |
1.41%
+4.1% YoY
+9.1% QoQ
|
+0.08% |
1.32%
+10.8% YoY
|
1.44%
+8.8% YoY
|
1.30%
+12.1% YoY
|
60% |
| Net Interest Margin ? |
4.36%
+6.4% YoY
+0.4% QoQ
|
+0.37% |
3.99%
+5.0% YoY
|
3.79%
+4.3% YoY
|
3.95%
+4.9% YoY
|
73% |
| Efficiency Ratio ? |
59.97%
+1.8% YoY
-6.0% QoQ
|
-4.51% |
64.48%
-3.2% YoY
|
59.23%
-3.7% YoY
|
70.05%
+2.5% YoY
|
57% |
| Delinquency Rate ? |
2.21%
+55.4% YoY
+81.5% QoQ
|
+1.29% |
0.92%
+15.7% YoY
|
0.86%
+16.6% YoY
|
0.98%
+16.3% YoY
|
Bottom 11.0% in tier |
| Loan-to-Deposit Ratio ? |
77.51%
-2.6% YoY
+10.3% QoQ
|
-0.44% |
77.95%
+1.0% YoY
|
73.82%
-0.7% YoY
|
79.03%
+2.3% YoY
|
55% |
| Non-Interest-Bearing Deposit Share ? |
20.48%
-3.4% YoY
-7.2% QoQ
|
-1.55% |
22.03%
-0.6% YoY
|
21.56%
+2.8% YoY
|
21.98%
-0.6% YoY
|
48% |
| Nonperforming Asset Ratio ? |
1.43%
+50.5% YoY
+83.6% QoQ
|
+0.76% |
0.67%
+16.4% YoY
|
0.54%
+8.1% YoY
|
0.69%
+15.8% YoY
|
Bottom 12.8% in tier |
| Tier 1 Capital Ratio ? |
11.06%
+1.8% YoY
+1.2% QoQ
|
-4.85% |
15.91%
+1.4% YoY
|
12.90%
+0.7% YoY
|
17.09%
+0.8% YoY
|
24% |
| Non-Interest Income / Assets ? |
0.17%
+10.8% YoY
+96.1% QoQ
|
-0.40% |
0.57%
+7.6% YoY
|
0.22%
-1.4% YoY
|
0.66%
+5.2% YoY
|
39% |
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 |
20.5%
-0.7pp YoY -1.6pp QoQ |
-1.7pp | 22.1% | 21.6% | 22.2% | 47% |
| 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 |
11.5%
+0.4pp YoY +0.2pp QoQ |
0.0pp | 11.6% | 12.9% | 12.5% | 61% |
| CRE | n/a | n/a | 39.5% | 29.0% | 41.4% | n/a |
| 1-4 Family |
5.7%
+1.0pp YoY +0.2pp QoQ |
-27.0pp | 32.6% | 12.3% | 31.3% | 6% |
| Consumer |
7.1%
0.0pp YoY -0.6pp QoQ |
+3.0pp | 4.1% | 4.5% | 5.0% | 86% |
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 |
11.1%
+0.2pp YoY +0.1pp QoQ |
-1.1pp | 12.2% | 10.7% | 12.6% | 52% |
| 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 |
57
0 YoY +1 (+1.8%) QoQ |
-2 | 58 | 138 | 482 | 60% |
| Assets per Employee ($) |
$5.9M
+3.8% YoY +3.5% QoQ |
-$1.6M | $7.5M | $8.3M | $8.8M | 32% |
| Branch Count |
4
0 YoY 0 QoQ |
-1 | 4 | 7 | 18 | 42% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
1.7%
+0.9pp YoY +1.2pp QoQ |
+1.4pp | 0.3% | 0.5% | 0.4% | 96% |
| Nonaccrual |
0.5%
-0.1pp YoY -0.2pp QoQ |
-0.4pp | 0.9% | 0.7% | 1.0% | 52% |
| Allowance Coverage |
0.65x
-36.3% YoY -49.1% QoQ |
-23.51x | 24.15x | 73.79x | 20.23x | 16% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 32% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
14.4%
-0.6pp YoY +1.3pp QoQ |
+2.2pp | 12.2% | 16.0% | 11.6% | 64% |
| Cost of Funds (YTD) |
1.2%
-0.1pp YoY 0.0pp QoQ |
-0.6pp | 1.7% | 1.7% | 1.7% | 17% |
| Net Income ($, YTD) |
$2.3M
+8.0% YoY — QoQ |
-$235K | $2.6M | $7.0M | $40.4M | 58% |
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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.