BlastPoint's Banking Scorecard

Strasburg State Bank

$100M-$1B Specialty: Agricultural ND FDIC cert 17922

Strasburg, ND

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

Strasburg State Bank has 3 strengths but faces 3 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

+ Credit Quality Leader: Top 36.0% in tier
+ Nonperforming Asset Ratio 0.64% below tier average
+ Efficiency Ratio 11.81% below tier average

Key Concerns

Areas that may need attention

- Non-Interest Income / Assets 0.26% below tier average
- ROA 0.09% below tier average
- Net Interest Margin 0.79% below tier average

Get updates when Strasburg State Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (ND)	National Avg	Tier Percentile
Total Assets ?	$109.0M +8.3% YoY +9.4% QoQ	-$277.1M	$386.1M +0.5% YoY	$1.1B +4.5% YoY	$6.2B +9.1% YoY	Bottom 2.6% in tier
Total Loans ?	$45.1M +5.4% YoY -15.0% QoQ	-$210.6M	$255.7M +1.1% YoY	$779.7M +5.6% YoY	$3.2B +10.8% YoY	Bottom 2.2% in tier
Total Deposits ?	$98.6M +8.7% YoY +10.4% QoQ	-$229.4M	$328.0M +0.1% YoY	$930.6M +2.8% YoY	$4.8B +8.2% YoY	Bottom 5.3% in tier
Return on Assets ?	1.18% +1.7% YoY +2.5% QoQ	-0.09%	1.27% +12.9% YoY	1.38% +15.2% YoY	1.23% +13.4% YoY	48%
Net Interest Margin ?	3.14% +3.6% YoY -4.7% QoQ	-0.79%	3.93% +6.0% YoY	3.69% +5.3% YoY	3.89% +5.7% YoY	16%
Efficiency Ratio ?	53.48% +1.0% YoY -0.5% QoQ	-11.81%	65.29% -4.5% YoY	60.25% -5.8% YoY	66.95% -4.1% YoY	77%
Delinquency Rate ?	0.00%	-0.89%	0.89% +18.8% YoY	0.92% +20.6% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	45.72% -3.1% YoY -23.0% QoQ	-30.91%	76.64% +0.8% YoY	69.27% +0.4% YoY	76.70% +0.9% YoY	Top 6.7% in tier
Non-Interest-Bearing Deposit Share ?	15.50% -7.1% YoY +3.1% QoQ	-6.52%	22.02% -1.0% YoY	22.07% +2.0% YoY	22.01% -1.2% YoY	26%
Nonperforming Asset Ratio ?	0.00%	-0.64%	0.64% +19.7% YoY	0.56% +12.7% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	12.70% -7.4% YoY +0.7% QoQ	-3.13%	15.83% +1.5% YoY	13.00% +1.5% YoY	17.06% +0.8% YoY	44%
Non-Interest Income / Assets ?	0.02% +3.9% YoY -74.3% QoQ	-0.26%	0.28% +9.3% YoY	0.12% +7.9% YoY	0.32% +4.1% YoY	Bottom 3.0% in tier

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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)

Credit Quality Leader

growth

#240 of 664 • Top 36.0% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.00%

(Tier: 0.89%, National: 0.95%)

better than tier avg

664 of 664 Community banks match · 922 nationally

→ Stable +2 banks QoQ

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).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (4 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 2654 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.64%

#1 of 2664 Top 0.1% in $100M-$1B

180

Loan-to-Deposit Ratio

liquidity

Value: 45.72%

Peer Median: 76.64%

#180 of 2664 Top 6.7% in $100M-$1B

601

Efficiency Ratio

profitability

Value: 53.48%

Peer Median: 65.29%

#601 of 2664 Top 22.5% in $100M-$1B

Top Weaknesses (5 metrics)

2607

Total Loans

size

Value: $45.09M

Peer Median: $255.72M

#2607 of 2664 Bottom 2.2% in $100M-$1B

2597

Total Assets

size

Value: $108.98M

Peer Median: $386.08M

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

2584

Non-Interest Income / Assets

revenue_mix

Value: 0.02%

Peer Median: 0.28%

#2584 of 2664 Bottom 3.0% in $100M-$1B

2525

Total Deposits

size

Value: $98.62M

Peer Median: $327.97M

#2525 of 2664 Bottom 5.3% in $100M-$1B

2241

Net Interest Margin

profitability

Value: 3.14%

Peer Median: 3.93%

#2241 of 2664 Bottom 15.9% in $100M-$1B