BlastPoint's Banking Scorecard

The Bank of Tioga

$100M-$1B Specialty: Agricultural ND FDIC cert 17280

Tioga, ND

2 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 -4.4% year over year ($396.6M on the books).
Delinquency rate 1.16%.
Return on assets 1.32%.
Efficiency ratio 46.80% vs a 64.48% peer average.
Loan-to-deposit ratio 34.02% 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) →

The Bank of Tioga has 2 strengths but faces 4 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

+ Revenue Diversifier: Top 21.8% in tier
+ Efficiency Ratio 17.68% below tier average

Key Concerns

Areas that may need attention

- Deposit Outflow: Bottom 40.9% in tier
- Net Interest Margin 1.54% below tier average
- Non-Interest-Bearing Deposit Share 13.25% below tier average
- Delinquency Rate 0.24% above tier average

Get updates when The Bank of Tioga releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (ND)	National Avg	Tier Percentile
Total Assets ?	$412.1M -4.0% YoY -0.2% QoQ	+$25.5M	$386.6M +1.2% YoY	$1.1B +6.9% YoY	$6.3B +7.7% YoY	63%
Total Loans ?	$134.9M +18.2% YoY +10.9% QoQ	-$123.4M	$258.3M +1.7% YoY	$805.2M +6.2% YoY	$3.2B +9.4% YoY	30%
Total Deposits ?	$396.6M -4.4% YoY -0.1% QoQ	+$69.9M	$326.7M +0.7% YoY	$922.2M +5.0% YoY	$4.9B +7.3% YoY	69%
Return on Assets ?	1.32% +462.9% YoY -49.4% QoQ	+0.00%	1.32% +10.8% YoY	1.44% +8.8% YoY	1.30% +12.1% YoY	54%
Net Interest Margin ?	2.45% +6.2% YoY +2.1% QoQ	-1.54%	3.99% +5.0% YoY	3.79% +4.3% YoY	3.95% +4.9% YoY	Bottom 2.7% in tier
Efficiency Ratio ?	46.80% -35.7% YoY +48.2% QoQ	-17.68%	64.48% -3.2% YoY	59.23% -3.7% YoY	70.05% +2.5% YoY	Top 11.4% in tier
Delinquency Rate ?	1.16% +151.8% YoY -9.8% QoQ	+0.24%	0.92% +15.7% YoY	0.86% +16.6% YoY	0.98% +16.3% YoY	25%
Loan-to-Deposit Ratio ?	34.02% +23.6% YoY +11.0% QoQ	-43.94%	77.95% +1.0% YoY	73.82% -0.7% YoY	79.03% +2.3% YoY	Top 2.3% in tier
Non-Interest-Bearing Deposit Share ?	8.78% +11.0% YoY -1.6% QoQ	-13.25%	22.03% -0.6% YoY	21.56% +2.8% YoY	21.98% -0.6% YoY	Bottom 8.3% in tier
Nonperforming Asset Ratio ?	0.44% +62.9% YoY +17.2% QoQ	-0.22%	0.67% +16.4% YoY	0.54% +8.1% YoY	0.69% +15.8% YoY	42%
Tier 1 Capital Ratio ?	15.38% +10.1% YoY -1.7% QoQ	-0.53%	15.91% +1.4% YoY	12.90% +0.7% YoY	17.09% +0.8% YoY	69%
Non-Interest Income / Assets ?	0.72% -3.2% QoQ	+0.16%	0.57% +7.6% YoY	0.22% -1.4% YoY	0.66% +5.2% YoY	Top 5.6% in tier

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	8.8% +0.9pp YoY -0.1pp QoQ	-13.4pp	22.1%	21.6%	22.2%	8%
Brokered Deposits	35.9% +3.3pp YoY +0.1pp QoQ	+28.0pp	7.9%	6.0%	8.5%	98%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (ND)	National Avg	Tier Percentile
C&I	18.3% +1.0pp YoY -0.3pp QoQ	+6.8pp	11.6%	12.9%	12.5%	85%
CRE	24.2% +8.3pp YoY +4.1pp QoQ	-15.3pp	39.5%	29.0%	41.4%	25%
1-4 Family	14.7% -2.2pp YoY -1.4pp QoQ	-17.9pp	32.6%	12.3%	31.3%	19%
Consumer	2.7% -1.3pp YoY -0.6pp QoQ	-1.4pp	4.1%	4.5%	5.0%	57%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (ND)	National Avg	Tier Percentile
CET1 Ratio	15.4% +1.4pp YoY -0.3pp QoQ	-3.4pp	18.8%	15.3%	19.7%	53%
Leverage Ratio	9.4% +1.9pp YoY 0.0pp QoQ	-2.8pp	12.2%	10.7%	12.6%	19%
Total Capital Ratio	15.9% +1.4pp YoY -0.3pp QoQ	-4.0pp	19.9%	16.3%	20.8%	47%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (ND)	National Avg	Tier Percentile
Full-Time Employees	32 +3 (+10.3%) YoY +1 (+3.2%) QoQ	-27	58	138	482	30%
Assets per Employee ($)	$12.9M -13.0% YoY -3.3% QoQ	+$5.4M	$7.5M	$8.3M	$8.8M	94%
Branch Count	2 0 YoY 0 QoQ	-3	4	7	18	11%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (ND)	National Avg	Tier Percentile
Past Due 90+ Days	0.2% -0.3pp YoY 0.0pp QoQ	-0.1pp	0.3%	0.5%	0.4%	64%
Nonaccrual	1.2% +0.6pp YoY +0.1pp QoQ	+0.2pp	0.9%	0.7%	1.0%	75%
Allowance Coverage	0.78x -62.3% YoY +3.9% QoQ	-23.38x	24.15x	73.79x	20.23x	20%
Net Charge-off Rate (YTD)	0.1% +0.1pp YoY -0.1pp QoQ	0.0pp	0.1%	0.1%	0.2%	76%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (ND)	National Avg	Tier Percentile
ROE	83.1% -111.6pp QoQ	+70.9pp	12.2%	16.0%	11.6%	100%
Cost of Funds (YTD)	2.5% -0.1pp YoY 0.0pp QoQ	+0.7pp	1.7%	1.7%	1.7%	88%
Net Income ($, YTD)	$2.7M +429.7% YoY — QoQ	+$136K	$2.6M	$7.0M	$40.4M	65%

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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)

Revenue Diversifier

growth

#145 of 661 • Top 21.8% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.72%

(Tier: 0.57%, National: 0.66%)

better than tier avg

Return on Assets: 1.32%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank declining

Concerns (1)

Deposit Outflow

decline

#220 of 535 • Bottom 40.9% in tier

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

535 of 535 Community banks match · 686 nationally

→ Stable +31 banks QoQ | QoQ rank declining

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 (3 metrics)

Loan-to-Deposit Ratio

liquidity

Value: 34.02%

Peer Median: 77.95%

#63 of 2643 Top 2.3% in $100M-$1B

148

Non-Interest Income / Assets

revenue_mix

Value: 0.72%

Peer Median: 0.57%

#148 of 2643 Top 5.6% in $100M-$1B

302

Efficiency Ratio

profitability

Value: 46.80%

Peer Median: 64.48%

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

Top Weaknesses (3 metrics)

2572

Net Interest Margin

profitability

Value: 2.45%

Peer Median: 3.99%

#2572 of 2643 Bottom 2.7% in $100M-$1B

2424

Non-Interest-Bearing Deposit Share

funding

Value: 8.78%

Peer Median: 22.03%

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

1979

Delinquency Rate

credit_quality

Value: 1.16%

Peer Median: 0.92%

#1979 of 2633 Bottom 24.9% in $100M-$1B