BlastPoint's Banking Scorecard

First State Bank

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

Buxton, ND

5 branches across ND

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

First State Bank has 3 strengths but faces 7 concerns

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 13.2% in tier
+ Efficiency Ratio 18.33% below tier average
+ Delinquency Rate 0.58% below tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 2.0% in tier
- Deposit Outflow: Bottom 24.3% in tier
- Credit Risk Growth: Bottom 30.3% in tier
- Credit Quality Pressure: Bottom 38.2% in tier
- Liquidity Strain: Bottom 39.0% in tier
- Capital Constraint: Bottom 40.7% in tier
- Net Interest Margin 0.05% below 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 ?	$413.4M -3.9% YoY +0.9% QoQ	+$27.4M	$386.1M +0.5% YoY	$1.1B +4.5% YoY	$6.2B +9.1% YoY	63%
Total Loans ?	$355.7M +5.1% YoY -2.2% QoQ	+$100.0M	$255.7M +1.1% YoY	$779.7M +5.6% YoY	$3.2B +10.8% YoY	75%
Total Deposits ?	$368.4M -3.4% YoY +0.7% QoQ	+$40.4M	$328.0M +0.1% YoY	$930.6M +2.8% YoY	$4.8B +8.2% YoY	66%
Return on Assets ?	2.11% +48.9% YoY +45.6% QoQ	+0.84%	1.27% +12.9% YoY	1.38% +15.2% YoY	1.23% +13.4% YoY	Top 10.1% in tier
Net Interest Margin ?	3.88% +23.2% YoY +7.1% QoQ	-0.05%	3.93% +6.0% YoY	3.69% +5.3% YoY	3.89% +5.7% YoY	50%
Efficiency Ratio ?	46.96% -14.6% YoY -21.3% QoQ	-18.33%	65.29% -4.5% YoY	60.25% -5.8% YoY	66.95% -4.1% YoY	Top 11.0% in tier
Delinquency Rate ?	0.30%	-0.58%	0.89% +18.8% YoY	0.92% +20.6% YoY	0.95% +18.8% YoY	57%
Loan-to-Deposit Ratio ?	96.56% +8.8% YoY -2.9% QoQ	+19.92%	76.64% +0.8% YoY	69.27% +0.4% YoY	76.70% +0.9% YoY	Bottom 13.0% in tier
Non-Interest-Bearing Deposit Share ?	14.70% -6.5% YoY -4.2% QoQ	-7.32%	22.02% -1.0% YoY	22.07% +2.0% YoY	22.01% -1.2% YoY	23%
Nonperforming Asset Ratio ?	0.26%	-0.38%	0.64% +19.7% YoY	0.56% +12.7% YoY	0.67% +19.3% YoY	54%
Tier 1 Capital Ratio ?	9.90% +4.4% YoY +2.6% QoQ	-5.93%	15.83% +1.5% YoY	13.00% +1.5% YoY	17.06% +0.8% YoY	Bottom 8.7% in tier
Non-Interest Income / Assets ?	0.12% +73.1% YoY -66.6% QoQ	-0.16%	0.28% +9.3% YoY	0.12% +7.9% YoY	0.32% +4.1% YoY	62%

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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

#89 of 666 • Top 13.2% in tier

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

Why this signature

Return on Assets: 2.11%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ

Concerns (6)

Capital Thin

risk

#14 of 666 • Bottom 2.0% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 9.90%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Deposit Outflow

decline

#124 of 506 • Bottom 24.3% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

506 of 506 Community banks match · 656 nationally

→ Stable -8 banks QoQ

Credit Risk Growth

risk

#296 of 973 • Bottom 30.3% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

973 of 973 Community banks match · 1464 nationally

→ Stable -10 banks QoQ

Credit Quality Pressure

risk

#501 of 1308 • Bottom 38.2% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.30%

(Tier: 0.89%, National: 0.95%)

better than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 banks QoQ

Liquidity Strain

risk

#252 of 643 • Bottom 39.0% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 96.56%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank improving

Capital Constraint

risk

#45 of 108 • Bottom 40.7% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.

Why this signature

Loan-to-Deposit Ratio: 96.56%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

Tier 1 Capital Ratio: 9.90%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

108 of 108 Community banks match · 148 nationally

↑ Growing +19 banks QoQ

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 (3 metrics)

270

Return on Assets

profitability

Value: 2.11%

Peer Median: 1.27%

#270 of 2664 Top 10.1% in $100M-$1B

294

Efficiency Ratio

profitability

Value: 46.96%

Peer Median: 65.29%

#294 of 2664 Top 11.0% in $100M-$1B

664

Total Loans

size

Value: $355.69M

Peer Median: $255.72M

#664 of 2664 Top 24.9% in $100M-$1B

Top Weaknesses (3 metrics)

2434

Tier 1 Capital Ratio

capital

Value: 9.90%

Peer Median: 15.83%

#2434 of 2664 Bottom 8.7% in $100M-$1B

2320

Loan-to-Deposit Ratio

liquidity

Value: 96.56%

Peer Median: 76.64%

#2320 of 2664 Bottom 13.0% in $100M-$1B

2046

Non-Interest-Bearing Deposit Share

funding

Value: 14.70%

Peer Median: 22.02%

#2046 of 2664 Bottom 23.2% in $100M-$1B