BlastPoint's Banking Scorecard
First United Bank
Park River, ND
19 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 +15.2% year over year ($702.1M on the books).
- Delinquency rate 0.01%.
- Return on assets 1.66%.
- Efficiency ratio 55.56% vs a 64.48% peer average.
- Loan-to-deposit ratio 81.91% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
First United Bank shows strong momentum with 3 strengths and 13.8% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.34% above tier average
- + Efficiency Ratio 8.92% below tier average
- + Delinquency Rate 0.91% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$810.8M
+13.8% YoY
+9.6% QoQ
|
+$424.3M |
$386.6M
+1.2% YoY
|
$1.1B
+6.9% YoY
|
$6.3B
+7.7% YoY
|
Top 7.6% in tier |
| Total Loans ? |
$575.1M
+13.3% YoY
+11.7% QoQ
|
+$316.8M |
$258.3M
+1.7% YoY
|
$805.2M
+6.2% YoY
|
$3.2B
+9.4% YoY
|
Top 7.1% in tier |
| Total Deposits ? |
$702.1M
+15.2% YoY
+9.7% QoQ
|
+$375.4M |
$326.7M
+0.7% YoY
|
$922.2M
+5.0% YoY
|
$4.9B
+7.3% YoY
|
Top 6.7% in tier |
| Return on Assets ? |
1.66%
+33.1% YoY
+23.0% QoQ
|
+0.34% |
1.32%
+10.8% YoY
|
1.44%
+8.8% YoY
|
1.30%
+12.1% YoY
|
74% |
| Net Interest Margin ? |
4.00%
+16.7% YoY
+6.9% QoQ
|
+0.01% |
3.99%
+5.0% YoY
|
3.79%
+4.3% YoY
|
3.95%
+4.9% YoY
|
53% |
| Efficiency Ratio ? |
55.56%
-5.7% YoY
-8.4% QoQ
|
-8.92% |
64.48%
-3.2% YoY
|
59.23%
-3.7% YoY
|
70.05%
+2.5% YoY
|
71% |
| Delinquency Rate ? |
0.01%
-87.8% YoY
-66.2% QoQ
|
-0.91% |
0.92%
+15.7% YoY
|
0.86%
+16.6% YoY
|
0.98%
+16.3% YoY
|
Top 14.1% in tier |
| Loan-to-Deposit Ratio ? |
81.91%
-1.7% YoY
+1.7% QoQ
|
+3.96% |
77.95%
+1.0% YoY
|
73.82%
-0.7% YoY
|
79.03%
+2.3% YoY
|
46% |
| Non-Interest-Bearing Deposit Share ? |
21.68%
+6.9% YoY
-1.7% QoQ
|
-0.35% |
22.03%
-0.6% YoY
|
21.56%
+2.8% YoY
|
21.98%
-0.6% YoY
|
53% |
| Nonperforming Asset Ratio ? |
0.09%
+52.4% YoY
-19.1% QoQ
|
-0.58% |
0.67%
+16.4% YoY
|
0.54%
+8.1% YoY
|
0.69%
+15.8% YoY
|
73% |
| Tier 1 Capital Ratio ? |
10.13%
+0.6% YoY
-2.0% QoQ
|
-5.78% |
15.91%
+1.4% YoY
|
12.90%
+0.7% YoY
|
17.09%
+0.8% YoY
|
Bottom 12.4% in tier |
| Non-Interest Income / Assets ? |
0.16%
-3.3% YoY
+88.6% QoQ
|
-0.41% |
0.57%
+7.6% YoY
|
0.22%
-1.4% YoY
|
0.66%
+5.2% YoY
|
36% |
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 |
21.7%
+1.4pp YoY -0.4pp QoQ |
-0.5pp | 22.1% | 21.6% | 22.2% | 53% |
| Brokered Deposits |
1.4%
-3.3pp YoY -0.9pp QoQ |
-6.4pp | 7.9% | 6.0% | 8.5% | 24% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
10.4%
-0.1pp YoY +0.9pp QoQ |
-1.2pp | 11.6% | 12.9% | 12.5% | 55% |
| CRE |
19.7%
-3.3pp YoY -2.2pp QoQ |
-19.9pp | 39.5% | 29.0% | 41.4% | 18% |
| 1-4 Family |
9.5%
+0.9pp YoY 0.0pp QoQ |
-23.2pp | 32.6% | 12.3% | 31.3% | 10% |
| Consumer |
2.5%
-0.4pp YoY -0.1pp QoQ |
-1.7pp | 4.1% | 4.5% | 5.0% | 54% |
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 |
10.1%
+0.1pp YoY -0.2pp QoQ |
-2.0pp | 12.2% | 10.7% | 12.6% | 34% |
| 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 |
96
+2 (+2.1%) YoY +4 (+4.3%) QoQ |
+37 | 58 | 138 | 482 | 85% |
| Assets per Employee ($) |
$8.4M
+11.4% YoY +5.1% QoQ |
+$928K | $7.5M | $8.3M | $8.8M | 74% |
| Branch Count |
19
+3 (+18.8%) YoY +3 (+18.8%) QoQ |
+14 | 4 | 7 | 18 | 99% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
0.0pp YoY |
-0.3pp | 0.3% | 0.5% | 0.4% | 1% |
| Nonaccrual |
0.0%
-0.1pp YoY 0.0pp QoQ |
-0.9pp | 0.9% | 0.7% | 1.0% | 3% |
| Allowance Coverage |
139.94x
+682.0% YoY +179.5% QoQ |
+115.79x | 24.15x | 73.79x | 20.23x | 97% |
| Net Charge-off Rate (YTD) |
0.0%
+0.1pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 40% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
16.0%
+2.5pp YoY +2.9pp QoQ |
+3.8pp | 12.2% | 16.0% | 11.6% | 73% |
| Cost of Funds (YTD) |
1.7%
-0.2pp YoY -0.1pp QoQ |
0.0pp | 1.7% | 1.7% | 1.7% | 51% |
| Net Income ($, YTD) |
$6.3M
+38.7% YoY — QoQ |
+$3.8M | $2.6M | $7.0M | $40.4M | 93% |
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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.