BlastPoint's Banking Scorecard
Strasburg State Bank
Strasburg, 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 +7.6% year over year ($93.4M on the books).
- Delinquency rate 0.00%.
- Return on assets 1.19%.
- Efficiency ratio 53.34% vs a 64.48% peer average.
- Loan-to-deposit ratio 47.70% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Strasburg State Bank has 3 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 33.2% in tier
- + Nonperforming Asset Ratio 0.67% below tier average
- + Efficiency Ratio 11.14% below tier average
Key Concerns
Areas that may need attention
- - Non-Interest Income / Assets 0.52% below tier average
- - ROA 0.14% below tier average
- - Net Interest Margin 0.84% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$104.2M
+7.2% YoY
-4.4% QoQ
|
-$282.4M |
$386.6M
+1.2% YoY
|
$1.1B
+6.9% YoY
|
$6.3B
+7.7% YoY
|
Bottom 1.0% in tier |
| Total Loans ? |
$44.6M
-0.8% YoY
-1.2% QoQ
|
-$213.8M |
$258.3M
+1.7% YoY
|
$805.2M
+6.2% YoY
|
$3.2B
+9.4% YoY
|
Bottom 2.0% in tier |
| Total Deposits ? |
$93.4M
+7.6% YoY
-5.3% QoQ
|
-$233.3M |
$326.7M
+0.7% YoY
|
$922.2M
+5.0% YoY
|
$4.9B
+7.3% YoY
|
Bottom 3.7% in tier |
| Return on Assets ? |
1.19%
-3.8% YoY
+0.9% QoQ
|
-0.14% |
1.32%
+10.8% YoY
|
1.44%
+8.8% YoY
|
1.30%
+12.1% YoY
|
46% |
| Net Interest Margin ? |
3.15%
-0.8% YoY
+0.0% QoQ
|
-0.84% |
3.99%
+5.0% YoY
|
3.79%
+4.3% YoY
|
3.95%
+4.9% YoY
|
Bottom 14.4% in tier |
| Efficiency Ratio ? |
53.34%
+0.9% YoY
-0.3% QoQ
|
-11.14% |
64.48%
-3.2% YoY
|
59.23%
-3.7% YoY
|
70.05%
+2.5% YoY
|
76% |
| Delinquency Rate ? | 0.00% | -0.92% |
0.92%
+15.7% YoY
|
0.86%
+16.6% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
47.70%
-7.9% YoY
+4.3% QoQ
|
-30.25% |
77.95%
+1.0% YoY
|
73.82%
-0.7% YoY
|
79.03%
+2.3% YoY
|
Top 7.3% in tier |
| Non-Interest-Bearing Deposit Share ? |
14.74%
+4.7% YoY
-4.9% QoQ
|
-7.29% |
22.03%
-0.6% YoY
|
21.56%
+2.8% YoY
|
21.98%
-0.6% YoY
|
23% |
| Nonperforming Asset Ratio ? | 0.00% | -0.67% |
0.67%
+16.4% YoY
|
0.54%
+8.1% YoY
|
0.69%
+15.8% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
13.67%
-2.7% YoY
+7.6% 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%
+193.2% YoY
+155.7% QoQ
|
-0.52% |
0.57%
+7.6% YoY
|
0.22%
-1.4% YoY
|
0.66%
+5.2% YoY
|
Bottom 4.5% 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 |
14.7%
+0.7pp YoY -0.8pp QoQ |
-7.4pp | 22.1% | 21.6% | 22.2% | 23% |
| 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 |
4.0%
-0.9pp YoY -1.7pp QoQ |
-7.6pp | 11.6% | 12.9% | 12.5% | 14% |
| CRE | n/a | n/a | 39.5% | 29.0% | 41.4% | n/a |
| 1-4 Family | n/a | n/a | 32.6% | 12.3% | 31.3% | n/a |
| Consumer |
0.5%
0.0pp YoY 0.0pp QoQ |
-3.6pp | 4.1% | 4.5% | 5.0% | 16% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
13.7%
-0.4pp YoY +1.0pp QoQ |
-5.2pp | 18.8% | 15.3% | 19.7% | 36% |
| Leverage Ratio |
8.7%
-0.2pp YoY +0.2pp QoQ |
-3.5pp | 12.2% | 10.7% | 12.6% | 8% |
| Total Capital Ratio |
14.1%
-0.4pp YoY +1.0pp QoQ |
-5.8pp | 19.9% | 16.3% | 20.8% | 28% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
7
0 YoY 0 QoQ |
-52 | 58 | 138 | 482 | 0% |
| Assets per Employee ($) |
$14.9M
+7.2% YoY -4.4% QoQ |
+$7.4M | $7.5M | $8.3M | $8.8M | 97% |
| Branch Count |
1
0 YoY 0 QoQ |
-4 | 4 | 7 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.5% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 0.9% | 0.7% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 24.15x | 73.79x | 20.23x | n/a |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 43% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
13.6%
-0.2pp YoY 0.0pp QoQ |
+1.4pp | 12.2% | 16.0% | 11.6% | 59% |
| Cost of Funds (YTD) |
2.0%
-0.2pp YoY 0.0pp QoQ |
+0.2pp | 1.7% | 1.7% | 1.7% | 68% |
| Net Income ($, YTD) |
$619,000
+1.8% YoY — QoQ |
-$1.9M | $2.6M | $7.0M | $40.4M | 14% |
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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 (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.