BlastPoint's Banking Scorecard
Liberty State Bank
Powers Lake, ND
Liberty State Bank has 3 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 32.01% below tier average
- + ROA 0.60% above tier average
- + Delinquency Rate 0.68% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 29.5% in tier
- - Non-Interest Income / Assets 0.26% below tier average
- - Net Interest Margin 0.92% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$163.7M
+12.6% YoY
+3.9% QoQ
|
-$222.4M |
$386.1M
+0.5% YoY
|
$1.1B
+4.5% YoY
|
$6.2B
+9.1% YoY
|
18% |
| Total Loans ? |
$57.0M
+18.1% YoY
-2.2% QoQ
|
-$198.7M |
$255.7M
+1.1% YoY
|
$779.7M
+5.6% YoY
|
$3.2B
+10.8% YoY
|
Bottom 4.2% in tier |
| Total Deposits ? |
$148.2M
+12.1% YoY
+4.3% QoQ
|
-$179.8M |
$328.0M
+0.1% YoY
|
$930.6M
+2.8% YoY
|
$4.8B
+8.2% YoY
|
21% |
| Return on Assets ? |
1.87%
+6.5% YoY
+9.0% QoQ
|
+0.60% |
1.27%
+12.9% YoY
|
1.38%
+15.2% YoY
|
1.23%
+13.4% YoY
|
84% |
| Net Interest Margin ? |
3.01%
+1.3% YoY
-2.4% QoQ
|
-0.92% |
3.93%
+6.0% YoY
|
3.69%
+5.3% YoY
|
3.89%
+5.7% YoY
|
Bottom 11.7% in tier |
| Efficiency Ratio ? |
33.28%
-16.0% YoY
-13.8% QoQ
|
-32.01% |
65.29%
-4.5% YoY
|
60.25%
-5.8% YoY
|
66.95%
-4.1% YoY
|
Top 1.4% in tier |
| Delinquency Rate ? |
0.20%
+888.8% QoQ
|
-0.68% |
0.89%
+18.8% YoY
|
0.92%
+20.6% YoY
|
0.95%
+18.8% YoY
|
64% |
| Loan-to-Deposit Ratio ? |
38.50%
+5.3% YoY
-6.2% QoQ
|
-38.14% |
76.64%
+0.8% YoY
|
69.27%
+0.4% YoY
|
76.70%
+0.9% YoY
|
Top 3.8% in tier |
| Non-Interest-Bearing Deposit Share ? |
28.19%
-8.7% YoY
-4.5% QoQ
|
+6.17% |
22.02%
-1.0% YoY
|
22.07%
+2.0% YoY
|
22.01%
-1.2% YoY
|
77% |
| Nonperforming Asset Ratio ? |
0.07%
+830.4% QoQ
|
-0.57% |
0.64%
+19.7% YoY
|
0.56%
+12.7% YoY
|
0.67%
+19.3% YoY
|
74% |
| Tier 1 Capital Ratio ? |
13.21%
+0.5% YoY
-0.5% QoQ
|
-2.62% |
15.83%
+1.5% YoY
|
13.00%
+1.5% YoY
|
17.06%
+0.8% YoY
|
49% |
| Non-Interest Income / Assets ? |
0.02%
-14.0% YoY
-83.0% QoQ
|
-0.26% |
0.28%
+9.3% YoY
|
0.12%
+7.9% YoY
|
0.32%
+4.1% YoY
|
Bottom 3.8% in tier |
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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 (1)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.