BlastPoint's Banking Scorecard
Border Bank
Designations: ✓ Community bank
Fargo, ND
11 branches across MN · ND
Border Bank faces 5 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 38.5% in tier
- - Delinquency Rate 1.20% above tier average
- - Nonperforming Asset Ratio 1.21% above tier average
- - ROA 0.24% below tier average
- - Efficiency Ratio 3.97% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.1B
+6.8% YoY
+0.0% QoQ
|
-$1.8B |
$2.8B
-0.1% YoY
|
$1.1B
+4.5% YoY
|
$6.2B
+9.1% YoY
|
Bottom 6.8% in tier |
| Total Loans ? |
$893.3M
+9.8% YoY
+0.4% QoQ
|
-$1.1B |
$2.0B
+0.6% YoY
|
$779.7M
+5.6% YoY
|
$3.2B
+10.8% YoY
|
24% |
| Total Deposits ? |
$915.7M
+3.7% YoY
+0.3% QoQ
|
-$1.4B |
$2.3B
-0.3% YoY
|
$930.6M
+2.8% YoY
|
$4.8B
+8.2% YoY
|
Bottom 8.5% in tier |
| Return on Assets ? |
1.13%
+112.3% YoY
+17.3% QoQ
|
-0.24% |
1.37%
+19.6% YoY
|
1.38%
+15.2% YoY
|
1.23%
+13.4% YoY
|
42% |
| Net Interest Margin ? |
3.80%
+14.9% YoY
+3.1% QoQ
|
-0.02% |
3.82%
+6.9% YoY
|
3.69%
+5.3% YoY
|
3.89%
+5.7% YoY
|
60% |
| Efficiency Ratio ? |
65.03%
-18.3% YoY
-8.0% QoQ
|
+3.97% |
61.06%
-4.6% YoY
|
60.25%
-5.8% YoY
|
66.95%
-4.1% YoY
|
34% |
| Delinquency Rate ? |
2.09%
+39.3% YoY
+3.0% QoQ
|
+1.20% |
0.89%
+14.1% YoY
|
0.92%
+20.6% YoY
|
0.95%
+18.8% YoY
|
Bottom 8.9% in tier |
| Loan-to-Deposit Ratio ? |
97.56%
+5.9% YoY
+0.1% QoQ
|
+13.35% |
84.20%
+0.3% YoY
|
69.27%
+0.4% YoY
|
76.70%
+0.9% YoY
|
19% |
| Non-Interest-Bearing Deposit Share ? |
21.57%
+2.4% YoY
-0.7% QoQ
|
+0.28% |
21.29%
-2.5% YoY
|
22.07%
+2.0% YoY
|
22.01%
-1.2% YoY
|
59% |
| Nonperforming Asset Ratio ? |
1.88%
+51.8% YoY
+3.2% QoQ
|
+1.21% |
0.67%
+15.6% YoY
|
0.56%
+12.7% YoY
|
0.67%
+19.3% YoY
|
Bottom 7.2% in tier |
| Tier 1 Capital Ratio ? |
10.22%
-0.8% YoY
+2.2% QoQ
|
-4.94% |
15.16%
+2.0% YoY
|
13.00%
+1.5% YoY
|
17.06%
+0.8% YoY
|
Bottom 6.4% in tier |
| Non-Interest Income / Assets ? |
0.12%
+8.0% YoY
-81.0% QoQ
|
-0.14% |
0.26%
+1.6% YoY
|
0.12%
+7.9% YoY
|
0.32%
+4.1% YoY
|
40% |
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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 (1)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.