BlastPoint's Banking Scorecard
State Bank & Trust of Kenmare
Kenmare, ND
3 branches across ND
State Bank & Trust of Kenmare has 2 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 12.0% in tier
- + Efficiency Ratio 4.76% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 4.3% in tier
- - Net Interest Margin 1.32% below tier average
- - Non-Interest Income / Assets 0.26% below tier average
- - ROA 0.31% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$197.7M
+7.3% YoY
+3.4% QoQ
|
-$188.4M |
$386.1M
+0.5% YoY
|
$1.1B
+4.5% YoY
|
$6.2B
+9.1% YoY
|
26% |
| Total Loans ? |
$84.1M
-1.1% YoY
-3.3% QoQ
|
-$171.6M |
$255.7M
+1.1% YoY
|
$779.7M
+5.6% YoY
|
$3.2B
+10.8% YoY
|
Bottom 13.1% in tier |
| Total Deposits ? |
$180.8M
+5.9% YoY
+3.9% QoQ
|
-$147.2M |
$328.0M
+0.1% YoY
|
$930.6M
+2.8% YoY
|
$4.8B
+8.2% YoY
|
29% |
| Return on Assets ? |
0.96%
+37.2% YoY
+39.8% QoQ
|
-0.31% |
1.27%
+12.9% YoY
|
1.38%
+15.2% YoY
|
1.23%
+13.4% YoY
|
35% |
| Net Interest Margin ? |
2.61%
+6.3% YoY
+0.0% QoQ
|
-1.32% |
3.93%
+6.0% YoY
|
3.69%
+5.3% YoY
|
3.89%
+5.7% YoY
|
Bottom 4.4% in tier |
| Efficiency Ratio ? |
60.52%
-12.5% YoY
-14.3% QoQ
|
-4.76% |
65.29%
-4.5% YoY
|
60.25%
-5.8% YoY
|
66.95%
-4.1% YoY
|
58% |
| Delinquency Rate ? |
0.02%
-20.4% QoQ
|
-0.86% |
0.89%
+18.8% YoY
|
0.92%
+20.6% YoY
|
0.95%
+18.8% YoY
|
84% |
| Loan-to-Deposit Ratio ? |
46.50%
-6.6% YoY
-7.0% QoQ
|
-30.14% |
76.64%
+0.8% YoY
|
69.27%
+0.4% YoY
|
76.70%
+0.9% YoY
|
Top 7.1% in tier |
| Non-Interest-Bearing Deposit Share ? |
12.36%
-10.9% YoY
-7.9% QoQ
|
-9.66% |
22.02%
-1.0% YoY
|
22.07%
+2.0% YoY
|
22.01%
-1.2% YoY
|
16% |
| Nonperforming Asset Ratio ? |
0.01%
-25.6% QoQ
|
-0.63% |
0.64%
+19.7% YoY
|
0.56%
+12.7% YoY
|
0.67%
+19.3% YoY
|
Top 13.9% in tier |
| Tier 1 Capital Ratio ? |
16.32%
+6.0% YoY
+1.8% QoQ
|
+0.49% |
15.83%
+1.5% YoY
|
13.00%
+1.5% YoY
|
17.06%
+0.8% YoY
|
74% |
| Non-Interest Income / Assets ? |
0.02%
+9.8% YoY
-70.4% QoQ
|
-0.26% |
0.28%
+9.3% YoY
|
0.12%
+7.9% YoY
|
0.32%
+4.1% YoY
|
Bottom 3.2% in tier |
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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 (1)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.