BlastPoint's Banking Scorecard
State Bank & Trust of Kenmare
Kenmare, ND
3 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 +9.6% year over year ($182.8M on the books).
- Delinquency rate 1.11%.
- Return on assets 1.15%.
- Efficiency ratio 56.07% vs a 64.48% peer average.
- Loan-to-deposit ratio 45.77% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
State Bank & Trust of Kenmare has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 8.41% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.33% below tier average
- - Non-Interest Income / Assets 0.52% below tier average
- - ROA 0.18% below tier average
- - Delinquency Rate 0.19% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$201.1M
+10.6% YoY
+1.7% QoQ
|
-$185.5M |
$386.6M
+1.2% YoY
|
$1.1B
+6.9% YoY
|
$6.3B
+7.7% YoY
|
27% |
| Total Loans ? |
$83.7M
-6.7% YoY
-0.5% QoQ
|
-$174.7M |
$258.3M
+1.7% YoY
|
$805.2M
+6.2% YoY
|
$3.2B
+9.4% YoY
|
Bottom 12.1% in tier |
| Total Deposits ? |
$182.8M
+9.6% YoY
+1.1% QoQ
|
-$143.9M |
$326.7M
+0.7% YoY
|
$922.2M
+5.0% YoY
|
$4.9B
+7.3% YoY
|
30% |
| Return on Assets ? |
1.15%
+44.5% YoY
+19.3% QoQ
|
-0.18% |
1.32%
+10.8% YoY
|
1.44%
+8.8% YoY
|
1.30%
+12.1% YoY
|
44% |
| Net Interest Margin ? |
2.66%
+3.9% YoY
+1.7% QoQ
|
-1.33% |
3.99%
+5.0% YoY
|
3.79%
+4.3% YoY
|
3.95%
+4.9% YoY
|
Bottom 4.3% in tier |
| Efficiency Ratio ? |
56.07%
-16.0% YoY
-7.4% QoQ
|
-8.41% |
64.48%
-3.2% YoY
|
59.23%
-3.7% YoY
|
70.05%
+2.5% YoY
|
69% |
| Delinquency Rate ? | 1.11% | +0.19% |
0.92%
+15.7% YoY
|
0.86%
+16.6% YoY
|
0.98%
+16.3% YoY
|
26% |
| Loan-to-Deposit Ratio ? |
45.77%
-14.8% YoY
-1.6% QoQ
|
-32.18% |
77.95%
+1.0% YoY
|
73.82%
-0.7% YoY
|
79.03%
+2.3% YoY
|
Top 6.4% in tier |
| Non-Interest-Bearing Deposit Share ? |
13.72%
+14.5% YoY
+11.0% QoQ
|
-8.31% |
22.03%
-0.6% YoY
|
21.56%
+2.8% YoY
|
21.98%
-0.6% YoY
|
20% |
| Nonperforming Asset Ratio ? | 0.46% | -0.21% |
0.67%
+16.4% YoY
|
0.54%
+8.1% YoY
|
0.69%
+15.8% YoY
|
41% |
| Tier 1 Capital Ratio ? |
16.93%
+12.2% YoY
+3.7% QoQ
|
+1.02% |
15.91%
+1.4% YoY
|
12.90%
+0.7% YoY
|
17.09%
+0.8% YoY
|
77% |
| Non-Interest Income / Assets ? |
0.05%
+79.0% YoY
+195.0% QoQ
|
-0.52% |
0.57%
+7.6% YoY
|
0.22%
-1.4% YoY
|
0.66%
+5.2% YoY
|
Bottom 5.5% 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 |
13.7%
+1.7pp YoY +1.4pp QoQ |
-8.4pp | 22.1% | 21.6% | 22.2% | 19% |
| 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 |
20.4%
-0.5pp YoY -0.1pp QoQ |
+8.8pp | 11.6% | 12.9% | 12.5% | 89% |
| CRE |
18.5%
-1.1pp YoY -2.4pp QoQ |
-21.0pp | 39.5% | 29.0% | 41.4% | 15% |
| 1-4 Family |
12.5%
+3.5pp YoY -0.2pp QoQ |
-20.1pp | 32.6% | 12.3% | 31.3% | 14% |
| Consumer |
2.5%
-0.4pp YoY -0.4pp QoQ |
-1.6pp | 4.1% | 4.5% | 5.0% | 54% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
16.9%
+1.8pp YoY +0.6pp QoQ |
-1.9pp | 18.8% | 15.3% | 19.7% | 63% |
| Leverage Ratio |
9.2%
+0.1pp YoY +0.2pp QoQ |
-2.9pp | 12.2% | 10.7% | 12.6% | 16% |
| Total Capital Ratio |
17.8%
+1.9pp YoY +0.6pp QoQ |
-2.2pp | 19.9% | 16.3% | 20.8% | 62% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
22
+1 (+4.8%) YoY +4 (+22.2%) QoQ |
-37 | 58 | 138 | 482 | 14% |
| Assets per Employee ($) |
$9.1M
+5.6% YoY -16.8% QoQ |
+$1.6M | $7.5M | $8.3M | $8.8M | 80% |
| Branch Count |
3
0 YoY 0 QoQ |
-2 | 4 | 7 | 18 | 26% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | 1.1% | +0.8pp | 0.3% | 0.5% | 0.4% | 92% |
| Nonaccrual |
0.0%
0.0pp QoQ |
-0.9pp | 0.9% | 0.7% | 1.0% | 6% |
| Allowance Coverage |
1.01x
-97.8% QoQ |
-23.14x | 24.15x | 73.79x | 20.23x | 27% |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 0.1% | 0.1% | 0.2% | 6% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
16.2%
+2.1pp YoY +2.4pp QoQ |
+4.0pp | 12.2% | 16.0% | 11.6% | 74% |
| Cost of Funds (YTD) |
1.8%
-0.3pp YoY 0.0pp QoQ |
0.0pp | 1.7% | 1.7% | 1.7% | 54% |
| Net Income ($, YTD) |
$1.1M
+57.4% YoY — QoQ |
-$1.4M | $2.6M | $7.0M | $40.4M | 31% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.