BlastPoint's Banking Scorecard

The Bank of Tioga

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

Tioga, ND

2 branches across ND

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

The Bank of Tioga has 3 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 1.0% in tier
+ Profitability Leader: Top 1.5% in tier
+ Efficiency Ratio 33.70% below tier average

Key Concerns

Areas that may need attention

- Deposit Outflow: Bottom 41.3% in tier
- Net Interest Margin 1.53% below tier average
- Non-Interest-Bearing Deposit Share 13.10% below tier average
- Delinquency Rate 0.40% above 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 ?	$413.0M -4.9% YoY +4.7% QoQ	+$26.9M	$386.1M +0.5% YoY	$1.1B +4.5% YoY	$6.2B +9.1% YoY	63%
Total Loans ?	$121.7M +18.3% YoY +3.4% QoQ	-$134.0M	$255.7M +1.1% YoY	$779.7M +5.6% YoY	$3.2B +10.8% YoY	26%
Total Deposits ?	$396.9M -7.7% YoY +2.6% QoQ	+$69.0M	$328.0M +0.1% YoY	$930.6M +2.8% YoY	$4.8B +8.2% YoY	69%
Return on Assets ?	2.62% +361.1% YoY +326.3% QoQ	+1.35%	1.27% +12.9% YoY	1.38% +15.2% YoY	1.23% +13.4% YoY	Top 3.7% in tier
Net Interest Margin ?	2.40% +3.1% YoY +0.7% QoQ	-1.53%	3.93% +6.0% YoY	3.69% +5.3% YoY	3.89% +5.7% YoY	Bottom 2.6% in tier
Efficiency Ratio ?	31.58% -56.8% YoY -48.1% QoQ	-33.70%	65.29% -4.5% YoY	60.25% -5.8% YoY	66.95% -4.1% YoY	Top 1.1% in tier
Delinquency Rate ?	1.29% +133.3% YoY	+0.40%	0.89% +18.8% YoY	0.92% +20.6% YoY	0.95% +18.8% YoY	23%
Loan-to-Deposit Ratio ?	30.66% +28.2% YoY +0.7% QoQ	-45.98%	76.64% +0.8% YoY	69.27% +0.4% YoY	76.70% +0.9% YoY	Top 1.9% in tier
Non-Interest-Bearing Deposit Share ?	8.92% +17.9% YoY -7.0% QoQ	-13.10%	22.02% -1.0% YoY	22.07% +2.0% YoY	22.01% -1.2% YoY	Bottom 8.9% in tier
Nonperforming Asset Ratio ?	0.38% +2.0% YoY +340.5% QoQ	-0.26%	0.64% +19.7% YoY	0.56% +12.7% YoY	0.67% +19.3% YoY	44%
Tier 1 Capital Ratio ?	15.64% +7.0% YoY +2.5% QoQ	-0.19%	15.83% +1.5% YoY	13.00% +1.5% YoY	17.06% +0.8% YoY	70%
Non-Interest Income / Assets ?	0.75% +78.7% QoQ	+0.47%	0.28% +9.3% YoY	0.12% +7.9% YoY	0.32% +4.1% YoY	Top 2.1% in tier

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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 (2)

Revenue Diversifier

growth

#8 of 666 • Top 1.0% 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: 0.75%

(Tier: 0.28%, National: 0.32%)

better than tier avg

Return on Assets: 2.62%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ

Profitability Leader

growth

#11 of 666 • Top 1.5% in tier

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

Why this signature

Return on Assets: 2.62%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ

Concerns (1)

Deposit Outflow

decline

#210 of 506 • Bottom 41.3% 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 | QoQ rank improving

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 (4 metrics)

Efficiency Ratio

profitability

Value: 31.58%

Peer Median: 65.29%

#30 of 2664 Top 1.1% in $100M-$1B

Loan-to-Deposit Ratio

liquidity

Value: 30.66%

Peer Median: 76.64%

#52 of 2664 Top 1.9% in $100M-$1B

Non-Interest Income / Assets

revenue_mix

Value: 0.75%

Peer Median: 0.28%

#56 of 2664 Top 2.1% in $100M-$1B

Return on Assets

profitability

Value: 2.62%

Peer Median: 1.27%

#99 of 2664 Top 3.7% in $100M-$1B

Top Weaknesses (3 metrics)

2597

Net Interest Margin

profitability

Value: 2.40%

Peer Median: 3.93%

#2597 of 2664 Bottom 2.6% in $100M-$1B

2428

Non-Interest-Bearing Deposit Share

funding

Value: 8.92%

Peer Median: 22.02%

#2428 of 2664 Bottom 8.9% in $100M-$1B

2056

Delinquency Rate

credit_quality

Value: 1.29%

Peer Median: 0.89%

#2056 of 2654 Bottom 22.6% in $100M-$1B