BlastPoint's Banking Scorecard

First State Bank

$100M-$1B Specialty: Agricultural ND FDIC cert 15539

Buxton, 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 +6.5% year over year ($371.9M on the books).
Delinquency rate 0.00%.
Return on assets 2.08%.
Efficiency ratio 46.81% vs a 64.48% peer average.
Loan-to-deposit ratio 104.37% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 34 in ND

View $100M-$1B leaderboard (ND) →

First State Bank has 5 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

+ Profitability Leader: Top 16.5% in tier
+ Delinquency Rate 0.92% below tier average
+ Nonperforming Asset Ratio 0.67% below tier average
+ Net Interest Margin 0.10% above tier average
+ Efficiency Ratio 17.66% below tier average

Key Concerns

Areas that may need attention

- Loan-to-Deposit Ratio 26.42% above tier average

Get updates when First State Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (ND)	National Avg	Tier Percentile
Total Assets ?	$424.2M +7.4% YoY +2.6% QoQ	+$37.6M	$386.6M +1.2% YoY	$1.1B +6.9% YoY	$6.3B +7.7% YoY	64%
Total Loans ?	$388.1M +9.3% YoY +9.1% QoQ	+$129.8M	$258.3M +1.7% YoY	$805.2M +6.2% YoY	$3.2B +9.4% YoY	78%
Total Deposits ?	$371.9M +6.5% YoY +1.0% QoQ	+$45.1M	$326.7M +0.7% YoY	$922.2M +5.0% YoY	$4.9B +7.3% YoY	66%
Return on Assets ?	2.08% +37.0% YoY -1.4% QoQ	+0.76%	1.32% +10.8% YoY	1.44% +8.8% YoY	1.30% +12.1% YoY	Top 11.6% in tier
Net Interest Margin ?	4.08% +20.1% YoY +5.3% QoQ	+0.10%	3.99% +5.0% YoY	3.79% +4.3% YoY	3.95% +4.9% YoY	58%
Efficiency Ratio ?	46.81% -15.7% YoY -0.3% QoQ	-17.66%	64.48% -3.2% YoY	59.23% -3.7% YoY	70.05% +2.5% YoY	Top 11.4% in tier
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 ?	104.37% +2.7% YoY +8.1% QoQ	+26.42%	77.95% +1.0% YoY	73.82% -0.7% YoY	79.03% +2.3% YoY	Bottom 6.1% in tier
Non-Interest-Bearing Deposit Share ?	14.45% +4.6% YoY -1.7% QoQ	-7.58%	22.03% -0.6% YoY	21.56% +2.8% YoY	21.98% -0.6% YoY	22%
Nonperforming Asset Ratio ?	0.00% -100.0% YoY -100.0% QoQ	-0.67%	0.67% +16.4% YoY	0.54% +8.1% YoY	0.69% +15.8% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	9.83% +2.1% YoY -0.7% QoQ	-6.08%	15.91% +1.4% YoY	12.90% +0.7% YoY	17.09% +0.8% YoY	Bottom 8.3% in tier
Non-Interest Income / Assets ?	0.25% +45.9% YoY +113.9% QoQ	-0.31%	0.57% +7.6% YoY	0.22% -1.4% YoY	0.66% +5.2% YoY	64%

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	14.5% +0.6pp YoY -0.2pp QoQ	-7.7pp	22.1%	21.6%	22.2%	22%
Brokered Deposits	0.0% -1.4pp YoY 0.0pp QoQ	-7.9pp	7.9%	6.0%	8.5%	3%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (ND)	National Avg	Tier Percentile
C&I	16.4% -1.9pp YoY -1.8pp QoQ	+4.9pp	11.6%	12.9%	12.5%	80%
CRE	37.7% +2.3pp YoY +2.0pp QoQ	-1.9pp	39.5%	29.0%	41.4%	48%
1-4 Family	15.6% +1.7pp YoY +0.2pp QoQ	-17.0pp	32.6%	12.3%	31.3%	21%
Consumer	0.7% -0.1pp YoY 0.0pp QoQ	-3.4pp	4.1%	4.5%	5.0%	20%

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	9.8% +0.2pp YoY -0.1pp QoQ	-2.3pp	12.2%	10.7%	12.6%	27%
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	42 -1 (-2.3%) YoY -2 (-4.5%) QoQ	-17	58	138	482	44%
Assets per Employee ($)	$10.1M +9.9% YoY +7.5% QoQ	+$2.6M	$7.5M	$8.3M	$8.8M	86%
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)	0.1% +0.1pp QoQ	0.0pp	0.1%	0.1%	0.2%	81%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (ND)	National Avg	Tier Percentile
ROE	21.5% +5.7pp YoY -0.4pp QoQ	+9.3pp	12.2%	16.0%	11.6%	91%
Cost of Funds (YTD)	2.1% -0.4pp YoY 0.0pp QoQ	+0.4pp	1.7%	1.7%	1.7%	78%
Net Income ($, YTD)	$4.3M +41.7% YoY — QoQ	+$1.8M	$2.6M	$7.0M	$40.4M	83%

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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 (1)

Profitability Leader

growth

#110 of 661 • Top 16.5% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 2.08%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank declining

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 2643 peers in $100M-$1B

Top Strengths (5 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.92%

#1 of 2633 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.67%

#1 of 2643 Top 0.1% in $100M-$1B

303

Efficiency Ratio

profitability

Value: 46.81%

Peer Median: 64.48%

#303 of 2643 Top 11.4% in $100M-$1B

308

Return on Assets

profitability

Value: 2.08%

Peer Median: 1.32%

#308 of 2643 Top 11.6% in $100M-$1B

582

Total Loans

size

Value: $388.13M

Peer Median: $258.35M

#582 of 2643 Top 22.0% in $100M-$1B

Top Weaknesses (3 metrics)

2482

Loan-to-Deposit Ratio

liquidity

Value: 104.37%

Peer Median: 77.95%

#2482 of 2643 Bottom 6.1% in $100M-$1B

2424

Tier 1 Capital Ratio

capital

Value: 9.83%

Peer Median: 15.91%

#2424 of 2643 Bottom 8.3% in $100M-$1B

2063

Non-Interest-Bearing Deposit Share

funding

Value: 14.45%

Peer Median: 22.03%

#2063 of 2643 Bottom 22.0% in $100M-$1B