BlastPoint's Banking Scorecard
Starion Bank
Designations: ✓ Community bank
Bismarck, ND
16 branches across ND · WI
Starion 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
- - Flatlined Growth: Bottom 18.0% in tier
- - ROA 0.26% below tier average
- - Net Interest Margin 0.93% below tier average
- - Efficiency Ratio 4.44% above tier average
- - Delinquency Rate 0.10% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.1B
-1.9% YoY
+3.5% QoQ
|
-$680.1M |
$2.8B
-0.1% YoY
|
$1.1B
+4.5% YoY
|
$6.2B
+9.1% YoY
|
54% |
| Total Loans ? |
$1.3B
+6.7% YoY
+2.3% QoQ
|
-$689.2M |
$2.0B
+0.6% YoY
|
$779.7M
+5.6% YoY
|
$3.2B
+10.8% YoY
|
46% |
| Total Deposits ? |
$1.9B
+1.2% YoY
+3.9% QoQ
|
-$490.0M |
$2.3B
-0.3% YoY
|
$930.6M
+2.8% YoY
|
$4.8B
+8.2% YoY
|
56% |
| Return on Assets ? |
1.10%
+43.2% YoY
+37.8% QoQ
|
-0.26% |
1.37%
+19.6% YoY
|
1.38%
+15.2% YoY
|
1.23%
+13.4% YoY
|
40% |
| Net Interest Margin ? |
2.89%
+26.5% YoY
+13.7% QoQ
|
-0.93% |
3.82%
+6.9% YoY
|
3.69%
+5.3% YoY
|
3.89%
+5.7% YoY
|
Bottom 13.6% in tier |
| Efficiency Ratio ? |
65.50%
-6.8% YoY
-5.1% QoQ
|
+4.44% |
61.06%
-4.6% YoY
|
60.25%
-5.8% YoY
|
66.95%
-4.1% YoY
|
32% |
| Delinquency Rate ? |
0.99%
+205.1% YoY
+8.7% QoQ
|
+0.10% |
0.89%
+14.1% YoY
|
0.92%
+20.6% YoY
|
0.95%
+18.8% YoY
|
27% |
| Loan-to-Deposit Ratio ? |
68.83%
+5.4% YoY
-1.5% QoQ
|
-15.37% |
84.20%
+0.3% YoY
|
69.27%
+0.4% YoY
|
76.70%
+0.9% YoY
|
84% |
| Non-Interest-Bearing Deposit Share ? |
15.55%
+18.2% YoY
+10.3% QoQ
|
-5.74% |
21.29%
-2.5% YoY
|
22.07%
+2.0% YoY
|
22.01%
-1.2% YoY
|
30% |
| Nonperforming Asset Ratio ? |
0.59%
+231.9% YoY
+7.5% QoQ
|
-0.08% |
0.67%
+15.6% YoY
|
0.56%
+12.7% YoY
|
0.67%
+19.3% YoY
|
37% |
| Tier 1 Capital Ratio ? |
13.86%
+1.2% YoY
+0.6% QoQ
|
-1.30% |
15.16%
+2.0% YoY
|
13.00%
+1.5% YoY
|
17.06%
+0.8% YoY
|
61% |
| Non-Interest Income / Assets ? |
0.17%
+22.2% YoY
-75.1% QoQ
|
-0.08% |
0.26%
+1.6% YoY
|
0.12%
+7.9% YoY
|
0.32%
+4.1% YoY
|
62% |
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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)
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.