BlastPoint's Banking Scorecard

Starion Bank

$1B-$10B Specialty: Commercial ND FDIC cert 33758

Designations: ✓ Community bank

Bismarck, ND

16 branches across ND · WI

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 885 banks in the $1B-$10B peer group nationwide — 1 of 12 in ND.
Deposits +3.5% year over year ($1.8B on the books).
Delinquency rate 1.47%.
Return on assets 1.14%.
Efficiency ratio 65.38% vs a 59.73% peer average.
Loan-to-deposit ratio 69.41% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 12 in ND

View $1B-$10B leaderboard (ND) →

Starion Bank faces 5 concerns requiring attention

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

No key strengths identified

Key Concerns

Areas that may need attention

- Flatlined Growth: Bottom 47.5% in tier
- ROA 0.25% below tier average
- Net Interest Margin 0.92% below tier average
- Efficiency Ratio 5.65% above tier average
- Delinquency Rate 0.61% above tier average

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Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (ND)	National Avg	Tier Percentile
Total Assets ?	$2.1B +0.6% YoY -1.8% QoQ	-$695.3M	$2.8B -0.6% YoY	$1.1B +6.9% YoY	$6.3B +7.7% YoY	52%
Total Loans ?	$1.3B +5.3% YoY -0.9% QoQ	-$698.6M	$2.0B -0.3% YoY	$805.2M +6.2% YoY	$3.2B +9.4% YoY	46%
Total Deposits ?	$1.8B +3.5% YoY -1.7% QoQ	-$496.8M	$2.3B -0.5% YoY	$922.2M +5.0% YoY	$4.9B +7.3% YoY	54%
Return on Assets ?	1.14% +31.6% YoY +3.2% QoQ	-0.25%	1.39% +17.0% YoY	1.44% +8.8% YoY	1.30% +12.1% YoY	40%
Net Interest Margin ?	2.95% +22.8% YoY +2.2% QoQ	-0.92%	3.87% +6.2% YoY	3.79% +4.3% YoY	3.95% +4.9% YoY	Bottom 13.2% in tier
Efficiency Ratio ?	65.38% -4.6% YoY -0.2% QoQ	+5.65%	59.73% -12.6% YoY	59.23% -3.7% YoY	70.05% +2.5% YoY	31%
Delinquency Rate ?	1.47% +554.4% YoY +48.5% QoQ	+0.61%	0.87% +11.7% YoY	0.86% +16.6% YoY	0.98% +16.3% YoY	16%
Loan-to-Deposit Ratio ?	69.41% +1.7% YoY +0.8% QoQ	-15.63%	85.04% -0.1% YoY	73.82% -0.7% YoY	79.03% +2.3% YoY	Top 14.7% in tier
Non-Interest-Bearing Deposit Share ?	15.14% +13.9% YoY -2.7% QoQ	-6.14%	21.27% -1.5% YoY	21.56% +2.8% YoY	21.98% -0.6% YoY	28%
Nonperforming Asset Ratio ?	0.89% +584.9% YoY +49.8% QoQ	+0.21%	0.67% +11.7% YoY	0.54% +8.1% YoY	0.69% +15.8% YoY	25%
Tier 1 Capital Ratio ?	14.03% +2.2% YoY +1.2% QoQ	-0.81%	14.84% -0.4% YoY	12.90% +0.7% YoY	17.09% +0.8% YoY	64%
Non-Interest Income / Assets ?	0.36% +14.2% YoY +105.6% QoQ	-0.17%	0.53% +2.5% YoY	0.22% -1.4% YoY	0.66% +5.2% YoY	64%

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	15.1% +1.8pp YoY -0.4pp QoQ	-6.2pp	21.4%	21.6%	22.2%	28%
Brokered Deposits	0.4% -0.4pp YoY 0.0pp QoQ	-9.0pp	9.5%	6.0%	8.5%	10%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (ND)	National Avg	Tier Percentile
C&I	13.8% -1.6pp YoY -1.0pp QoQ	-0.2pp	14.0%	12.9%	12.5%	63%
CRE	49.7% +2.6pp YoY +1.0pp QoQ	-0.3pp	50.0%	29.0%	41.4%	49%
1-4 Family	14.0% +0.5pp YoY +0.6pp QoQ	-12.4pp	26.4%	12.3%	31.3%	28%
Consumer	1.8% -0.1pp YoY -0.2pp QoQ	-2.9pp	4.7%	4.5%	5.0%	60%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (ND)	National Avg	Tier Percentile
CET1 Ratio	14.0% +0.3pp YoY +0.2pp QoQ	-1.6pp	15.6%	15.3%	19.7%	59%
Leverage Ratio	9.4% +0.6pp YoY 0.0pp QoQ	-1.9pp	11.3%	10.7%	12.6%	22%
Total Capital Ratio	15.3% +0.3pp YoY +0.2pp QoQ	-1.4pp	16.7%	16.3%	20.8%	60%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (ND)	National Avg	Tier Percentile
Full-Time Employees	238 +2 (+0.8%) YoY -3 (-1.2%) QoQ	-76	313	138	482	51%
Assets per Employee ($)	$8.8M -0.2% YoY -0.5% QoQ	-$1.7M	$10.5M	$8.3M	$8.8M	52%
Branch Count	16 0 YoY 0 QoQ	-4	20	7	18	53%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (ND)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% 0.0pp YoY 0.0pp QoQ	-0.2pp	0.2%	0.5%	0.4%	26%
Nonaccrual	1.5% +1.3pp YoY +0.5pp QoQ	+0.6pp	0.8%	0.7%	1.0%	86%
Allowance Coverage	1.04x -83.2% YoY -30.9% QoQ	-17.67x	18.71x	73.79x	20.23x	25%
Net Charge-off Rate (YTD)	-0.0% 0.0pp YoY +0.1pp QoQ	-0.3pp	0.3%	0.1%	0.2%	13%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (ND)	National Avg	Tier Percentile
ROE	13.7% +1.2pp YoY +0.4pp QoQ	+1.1pp	12.6%	16.0%	11.6%	63%
Cost of Funds (YTD)	1.9% -0.5pp YoY 0.0pp QoQ	0.0pp	1.9%	1.7%	1.7%	49%
Net Income ($, YTD)	$12.0M +32.0% YoY — QoQ	-$7.3M	$19.2M	$7.0M	$40.4M	48%

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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 (0)

No matched strength signatures this quarter

Concerns (1)

Flatlined Growth

risk

#78 of 162 • Bottom 47.5% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature

Return on Assets: 1.14%

(Tier: 1.39%, National: 1.30%)

worse than tier avg

162 of 162 Mid-Market banks match · 719 nationally

→ Stable +34 banks QoQ | QoQ rank declining

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 885 peers in $1B-$10B

Top Strengths (1 metrics)

131

Loan-to-Deposit Ratio

liquidity

Value: 69.41%

Peer Median: 85.04%

#131 of 885 Top 14.7% in $1B-$10B

Top Weaknesses (2 metrics)

769

Net Interest Margin

profitability

Value: 2.95%

Peer Median: 3.87%

#769 of 885 Bottom 13.2% in $1B-$10B

738

Delinquency Rate

credit_quality

Value: 1.47%

Peer Median: 0.87%

#738 of 882 Bottom 16.4% in $1B-$10B