BlastPoint's Banking Scorecard
Heartland State Bank
Designations: ✓ Community bank
Edgeley, ND
2 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 536 banks in the under $100M peer group nationwide — 1 of 13 in ND.
- Deposits +6.4% year over year ($68.3M on the books).
- Delinquency rate 3.41%.
- Return on assets 0.67%.
- Efficiency ratio 78.40% vs a 119.40% peer average.
- Loan-to-deposit ratio 42.44% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Heartland State Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 41.00% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.32% below tier average
- - Net Interest Margin 0.86% below tier average
- - Delinquency Rate 1.93% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$75.6M
+6.4% YoY
-2.5% QoQ
|
+$13.2M |
$62.4M
-0.0% YoY
|
$1.1B
+6.9% YoY
|
$6.3B
+7.7% YoY
|
64% |
| Total Loans ? |
$29.0M
-13.3% YoY
+0.7% QoQ
|
-$5.9M |
$34.9M
-0.6% YoY
|
$805.2M
+6.2% YoY
|
$3.2B
+9.4% YoY
|
42% |
| Total Deposits ? |
$68.3M
+6.4% YoY
-3.1% QoQ
|
+$16.7M |
$51.6M
-0.2% YoY
|
$922.2M
+5.0% YoY
|
$4.9B
+7.3% YoY
|
71% |
| Return on Assets ? |
0.67%
-11.7% YoY
+47.3% QoQ
|
-0.32% |
1.00%
+3.5% YoY
|
1.44%
+8.8% YoY
|
1.30%
+12.1% YoY
|
34% |
| Net Interest Margin ? |
3.05%
-14.7% YoY
+4.2% QoQ
|
-0.86% |
3.91%
+2.3% YoY
|
3.79%
+4.3% YoY
|
3.95%
+4.9% YoY
|
16% |
| Efficiency Ratio ? |
78.40%
+0.8% YoY
-4.8% QoQ
|
-41.00% |
119.40%
+49.6% YoY
|
59.23%
-3.7% YoY
|
70.05%
+2.5% YoY
|
36% |
| Delinquency Rate ? |
3.41%
+21.9% YoY
-2.9% QoQ
|
+1.93% |
1.48%
+31.8% YoY
|
0.86%
+16.6% YoY
|
0.98%
+16.3% YoY
|
Bottom 10.3% in tier |
| Loan-to-Deposit Ratio ? |
42.44%
-18.5% YoY
+3.9% QoQ
|
-31.77% |
74.21%
+12.6% YoY
|
73.82%
-0.7% YoY
|
79.03%
+2.3% YoY
|
81% |
| Non-Interest-Bearing Deposit Share ? |
30.18%
-4.1% YoY
-5.8% QoQ
|
+6.69% |
23.49%
+0.6% YoY
|
21.56%
+2.8% YoY
|
21.98%
-0.6% YoY
|
75% |
| Nonperforming Asset Ratio ? |
1.31%
-0.6% YoY
+0.3% QoQ
|
+0.47% |
0.84%
+23.0% YoY
|
0.54%
+8.1% YoY
|
0.69%
+15.8% YoY
|
19% |
| Tier 1 Capital Ratio ? |
9.75%
-7.1% YoY
-1.1% QoQ
|
-17.37% |
27.13%
+3.0% YoY
|
12.90%
+0.7% YoY
|
17.09%
+0.8% YoY
|
Bottom 4.1% in tier |
| Non-Interest Income / Assets ? |
0.11%
-4.8% YoY
+105.2% QoQ
|
-1.27% |
1.38%
+6.3% YoY
|
0.22%
-1.4% YoY
|
0.66%
+5.2% YoY
|
44% |
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 |
30.2%
-1.3pp YoY -1.8pp QoQ |
+5.5pp | 24.6% | 21.6% | 22.2% | 73% |
| Brokered Deposits | n/a | n/a | 9.8% | 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 |
8.3%
+3.0pp YoY +1.1pp QoQ |
-5.1pp | 13.4% | 12.9% | 12.5% | 42% |
| CRE | n/a | n/a | 25.2% | 29.0% | 41.4% | n/a |
| 1-4 Family |
3.8%
+0.5pp YoY -0.1pp QoQ |
-31.2pp | 35.0% | 12.3% | 31.3% | 12% |
| Consumer |
7.3%
+0.6pp YoY -0.4pp QoQ |
-0.3pp | 7.7% | 4.5% | 5.0% | 66% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 15.3% | 19.7% | n/a |
| Leverage Ratio |
9.8%
-0.7pp YoY -0.1pp QoQ |
-7.9pp | 17.7% | 10.7% | 12.6% | 16% |
| Total Capital Ratio | n/a | n/a | 39.7% | 16.3% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
11
0 YoY 0 QoQ |
-1 | 12 | 138 | 482 | 50% |
| Assets per Employee ($) |
$6.9M
+6.4% YoY -2.5% QoQ |
+$689K | $6.2M | $8.3M | $8.8M | 64% |
| Branch Count |
2
0 YoY 0 QoQ |
+0 | 1 | 7 | 18 | 63% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.5% | 0.4% | n/a |
| Nonaccrual |
3.4%
+0.6pp YoY -0.1pp QoQ |
+1.7pp | 1.7% | 0.7% | 1.0% | 88% |
| Allowance Coverage |
0.45x
-6.0% YoY +2.2% QoQ |
-5.96x | 6.41x | 73.79x | 20.23x | 17% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp QoQ |
-0.1pp | 0.2% | 0.1% | 0.2% | 48% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
7.6%
-1.0pp YoY +2.4pp QoQ |
+1.2pp | 6.4% | 16.0% | 11.6% | 47% |
| Cost of Funds (YTD) |
1.7%
-0.2pp YoY 0.0pp QoQ |
+0.3pp | 1.4% | 1.7% | 1.7% | 69% |
| Net Income ($, YTD) |
$254,000
-3.1% YoY — QoQ |
-$64K | $317,817 | $7.0M | $40.4M | 44% |
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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.