BlastPoint's Banking Scorecard

State Bank of Lakota

under $100M Specialty: Agricultural ND FDIC cert 16477

Designations: ✓ Community bank

Lakota, ND

541 banks in the under $100M peer group nationally 12 in ND

State Bank of Lakota 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 0.58% above tier average
+ Efficiency Ratio 28.69% below tier average
+ Delinquency Rate 0.92% below tier average

Key Concerns

Areas that may need attention

- Net Interest Margin 0.15% below tier average

Get updates when State Bank of Lakota releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (ND)	National Avg	Tier Percentile
Total Assets ?	$66.3M -1.1% YoY -1.0% QoQ	+$4.1M	$62.2M -0.6% YoY	$1.1B +4.5% YoY	$6.2B +9.1% YoY	52%
Total Loans ?	$35.1M -4.9% YoY -11.9% QoQ	+$892K	$34.2M -1.4% YoY	$779.7M +5.6% YoY	$3.2B +10.8% YoY	55%
Total Deposits ?	$59.7M -1.7% YoY -1.4% QoQ	+$8.0M	$51.7M -0.7% YoY	$930.6M +2.8% YoY	$4.8B +8.2% YoY	57%
Return on Assets ?	1.41% +21.7% YoY +11.9% QoQ	+0.58%	0.84% -2.3% YoY	1.38% +15.2% YoY	1.23% +13.4% YoY	74%
Net Interest Margin ?	3.71% +13.2% YoY +1.6% QoQ	-0.15%	3.86% +2.8% YoY	3.69% +5.3% YoY	3.89% +5.7% YoY	45%
Efficiency Ratio ?	59.65% -5.6% YoY -7.8% QoQ	-28.69%	88.34% +0.3% YoY	60.25% -5.8% YoY	66.95% -4.1% YoY	74%
Delinquency Rate ?	0.45% +46.6% YoY -9.8% QoQ	-0.92%	1.37% +33.8% YoY	0.92% +20.6% YoY	0.95% +18.8% YoY	49%
Loan-to-Deposit Ratio ?	58.82% -3.3% YoY -10.6% QoQ	-5.40%	64.22% -0.7% YoY	69.27% +0.4% YoY	76.70% +0.9% YoY	60%
Non-Interest-Bearing Deposit Share ?	25.53% +3.9% YoY -7.0% QoQ	+1.82%	23.71% +0.3% YoY	22.07% +2.0% YoY	22.01% -1.2% YoY	57%
Nonperforming Asset Ratio ?	0.24% +41.1% YoY -19.7% QoQ	-0.55%	0.79% +28.2% YoY	0.56% +12.7% YoY	0.67% +19.3% YoY	50%
Tier 1 Capital Ratio ?	15.09% +7.5% YoY +6.4% QoQ	-11.59%	26.68% +2.0% YoY	13.00% +1.5% YoY	17.06% +0.8% YoY	48%
Non-Interest Income / Assets ?	0.06% +203.5% YoY -41.2% QoQ	-0.61%	0.67% +1.9% YoY	0.12% +7.9% YoY	0.32% +4.1% YoY	48%

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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 541 peers in under $100M

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (0 metrics)

No weakness rankings available