BlastPoint's Banking Scorecard
Liberty State Bank
$100M-$1B
Specialty: Agricultural
ND
FDIC cert 17096
Powers Lake, 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 +11.6% year over year ($142.2M on the books).
- Delinquency rate 0.09%.
- Return on assets 1.90%.
- Efficiency ratio 33.55% vs a 64.48% peer average.
- Loan-to-deposit ratio 40.74% 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) →
Liberty State Bank has 3 strengths but faces 2 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
- + Efficiency Ratio 30.93% below tier average
- + ROA 0.57% above tier average
- + Delinquency Rate 0.83% below tier average
Key Concerns
Areas that may need attention
- - Non-Interest Income / Assets 0.53% below tier average
- - Net Interest Margin 0.93% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$159.0M
+12.5% YoY
-2.9% QoQ
|
-$227.5M |
$386.6M
+1.2% YoY
|
$1.1B
+6.9% YoY
|
$6.3B
+7.7% YoY
|
17% |
| Total Loans ? |
$57.9M
+9.0% YoY
+1.5% QoQ
|
-$200.4M |
$258.3M
+1.7% YoY
|
$805.2M
+6.2% YoY
|
$3.2B
+9.4% YoY
|
Bottom 4.3% in tier |
| Total Deposits ? |
$142.2M
+11.6% YoY
-4.0% QoQ
|
-$184.6M |
$326.7M
+0.7% YoY
|
$922.2M
+5.0% YoY
|
$4.9B
+7.3% YoY
|
19% |
| Return on Assets ? |
1.90%
+5.6% YoY
+1.4% QoQ
|
+0.57% |
1.32%
+10.8% YoY
|
1.44%
+8.8% YoY
|
1.30%
+12.1% YoY
|
84% |
| Net Interest Margin ? |
3.06%
+0.4% YoY
+1.7% QoQ
|
-0.93% |
3.99%
+5.0% YoY
|
3.79%
+4.3% YoY
|
3.95%
+4.9% YoY
|
Bottom 11.4% in tier |
| Efficiency Ratio ? |
33.55%
-14.1% YoY
+0.8% QoQ
|
-30.93% |
64.48%
-3.2% YoY
|
59.23%
-3.7% YoY
|
70.05%
+2.5% YoY
|
Top 1.3% in tier |
| Delinquency Rate ? |
0.09%
-54.6% YoY
-55.9% QoQ
|
-0.83% |
0.92%
+15.7% YoY
|
0.86%
+16.6% YoY
|
0.98%
+16.3% YoY
|
75% |
| Loan-to-Deposit Ratio ? |
40.74%
-2.3% YoY
+5.8% QoQ
|
-37.21% |
77.95%
+1.0% YoY
|
73.82%
-0.7% YoY
|
79.03%
+2.3% YoY
|
Top 4.5% in tier |
| Non-Interest-Bearing Deposit Share ? |
28.83%
+1.6% YoY
+2.3% QoQ
|
+6.80% |
22.03%
-0.6% YoY
|
21.56%
+2.8% YoY
|
21.98%
-0.6% YoY
|
79% |
| Nonperforming Asset Ratio ? |
0.03%
-56.0% YoY
-53.9% QoQ
|
-0.64% |
0.67%
+16.4% YoY
|
0.54%
+8.1% YoY
|
0.69%
+15.8% YoY
|
82% |
| Tier 1 Capital Ratio ? |
13.66%
+1.6% YoY
+3.5% QoQ
|
-2.24% |
15.91%
+1.4% YoY
|
12.90%
+0.7% YoY
|
17.09%
+0.8% YoY
|
55% |
| Non-Interest Income / Assets ? |
0.04%
-18.1% YoY
+99.0% QoQ
|
-0.53% |
0.57%
+7.6% YoY
|
0.22%
-1.4% YoY
|
0.66%
+5.2% YoY
|
Bottom 3.3% in tier |
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 |
28.8%
+0.5pp YoY +0.6pp QoQ |
+6.7pp | 22.1% | 21.6% | 22.2% | 78% |
| 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 |
5.9%
-2.4pp YoY -0.6pp QoQ |
-5.7pp | 11.6% | 12.9% | 12.5% | 25% |
| CRE |
9.4%
+1.2pp YoY -0.8pp QoQ |
-30.1pp | 39.5% | 29.0% | 41.4% | 4% |
| 1-4 Family |
14.8%
-0.6pp YoY -0.2pp QoQ |
-17.8pp | 32.6% | 12.3% | 31.3% | 19% |
| Consumer |
4.2%
-0.1pp YoY -0.3pp QoQ |
+0.1pp | 4.1% | 4.5% | 5.0% | 72% |
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 |
13.7%
+0.2pp YoY +0.5pp QoQ |
+1.5pp | 12.2% | 10.7% | 12.6% | 80% |
| 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 |
11
0 YoY 0 QoQ |
-48 | 58 | 138 | 482 | 1% |
| Assets per Employee ($) |
$14.5M
+12.5% YoY -2.9% QoQ |
+$6.9M | $7.5M | $8.3M | $8.8M | 96% |
| Branch Count |
1
0 YoY 0 QoQ |
-4 | 4 | 7 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.1%
-0.1pp YoY -0.1pp QoQ |
-0.2pp | 0.3% | 0.5% | 0.4% | 48% |
| Nonaccrual | n/a | n/a | 0.9% | 0.7% | 1.0% | n/a |
| Allowance Coverage |
20.13x
+135.4% YoY +112.3% QoQ |
-4.02x | 24.15x | 73.79x | 20.23x | 88% |
| Net Charge-off Rate (YTD) |
0.0%
+0.7pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 63% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
20.0%
-4.2pp YoY -0.4pp QoQ |
+7.8pp | 12.2% | 16.0% | 11.6% | 88% |
| Cost of Funds (YTD) |
1.7%
-0.1pp YoY 0.0pp QoQ |
0.0pp | 1.7% | 1.7% | 1.7% | 53% |
| Net Income ($, YTD) |
$1.5M
+18.9% YoY — QoQ |
-$1.0M | $2.6M | $7.0M | $40.4M | 42% |
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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).
Top Strengths (6 metrics)
36
Efficiency Ratio
profitability
Value:
33.55%
Peer Median: 64.48%
#36 of 2643
Top 1.3% in $100M-$1B
119
Loan-to-Deposit Ratio
liquidity
Value:
40.74%
Peer Median: 77.95%
#119 of 2643
Top 4.5% in $100M-$1B
429
Return on Assets
profitability
Value:
1.90%
Peer Median: 1.32%
#429 of 2643
Top 16.2% in $100M-$1B
489
Nonperforming Asset Ratio
credit_quality
Value:
0.03%
Peer Median: 0.67%
#489 of 2643
Top 18.5% in $100M-$1B
566
Non-Interest-Bearing Deposit Share
funding
Value:
28.83%
Peer Median: 22.03%
#566 of 2643
Top 21.4% in $100M-$1B
652
Delinquency Rate
credit_quality
Value:
0.09%
Peer Median: 0.92%
#652 of 2633
Top 24.7% in $100M-$1B
Top Weaknesses (5 metrics)
2557
Non-Interest Income / Assets
revenue_mix
Value:
0.04%
Peer Median: 0.57%
#2557 of 2643
Bottom 3.3% in $100M-$1B
2531
Total Loans
size
Value:
$57.92M
Peer Median: $258.35M
#2531 of 2643
Bottom 4.3% in $100M-$1B
2344
Net Interest Margin
profitability
Value:
3.06%
Peer Median: 3.99%
#2344 of 2643
Bottom 11.4% in $100M-$1B
2200
Total Assets
size
Value:
$159.05M
Peer Median: $386.57M
#2200 of 2643
Bottom 16.8% in $100M-$1B
2143
Total Deposits
size
Value:
$142.17M
Peer Median: $326.73M
#2143 of 2643
Bottom 19.0% in $100M-$1B