BlastPoint's Banking Scorecard
Heartland State Bank
Designations: ✓ Community bank
Edgeley, ND
2 branches across ND
Heartland State Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 5.28% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.40% below tier average
- - Net Interest Margin 0.94% below tier average
- - Delinquency Rate 2.15% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$77.6M
+10.3% YoY
+6.9% QoQ
|
+$15.3M |
$62.3M
-0.5% YoY
|
$1.1B
+4.5% YoY
|
$6.2B
+9.0% YoY
|
67% |
| Total Loans ? |
$28.8M
-14.6% YoY
-14.8% QoQ
|
-$5.5M |
$34.3M
-1.5% YoY
|
$779.7M
+5.6% YoY
|
$3.2B
+10.7% YoY
|
42% |
| Total Deposits ? |
$70.4M
+10.4% YoY
+7.7% QoQ
|
+$18.6M |
$51.8M
-0.6% YoY
|
$930.6M
+2.8% YoY
|
$4.8B
+8.0% YoY
|
74% |
| Return on Assets ? |
0.46%
-9.4% YoY
-43.2% QoQ
|
-0.40% |
0.86%
-3.6% YoY
|
1.38%
+15.2% YoY
|
1.24%
+13.1% YoY
|
28% |
| Net Interest Margin ? |
2.93%
-15.4% YoY
-17.6% QoQ
|
-0.94% |
3.87%
+2.7% YoY
|
3.69%
+5.3% YoY
|
3.89%
+5.7% YoY
|
Bottom 13.8% in tier |
| Efficiency Ratio ? |
82.35%
-2.3% YoY
+7.9% QoQ
|
-5.28% |
87.63%
+2.3% YoY
|
60.25%
-5.8% YoY
|
66.84%
-3.8% YoY
|
31% |
| Delinquency Rate ? |
3.51%
+24.7% YoY
+15.2% QoQ
|
+2.15% |
1.36%
+33.7% YoY
|
0.92%
+20.6% YoY
|
0.95%
+18.8% YoY
|
Bottom 10.1% in tier |
| Loan-to-Deposit Ratio ? |
40.84%
-22.6% YoY
-20.9% QoQ
|
-23.27% |
64.11%
-0.9% YoY
|
69.27%
+0.4% YoY
|
76.69%
+0.9% YoY
|
81% |
| Non-Interest-Bearing Deposit Share ? |
32.02%
+10.3% YoY
+0.7% QoQ
|
+8.24% |
23.79%
+0.5% YoY
|
22.07%
+2.0% YoY
|
22.01%
-1.1% YoY
|
78% |
| Nonperforming Asset Ratio ? |
1.30%
-3.4% YoY
-8.2% QoQ
|
+0.53% |
0.77%
+28.7% YoY
|
0.56%
+12.7% YoY
|
0.66%
+19.3% YoY
|
20% |
| Tier 1 Capital Ratio ? |
9.86%
-8.3% YoY
-5.1% QoQ
|
-16.91% |
26.77%
+2.0% YoY
|
13.00%
+1.5% YoY
|
17.06%
+0.8% YoY
|
Bottom 6.0% in tier |
| Non-Interest Income / Assets ? |
0.05%
-11.5% YoY
-77.2% QoQ
|
-0.62% |
0.67%
+1.6% YoY
|
0.12%
+7.9% YoY
|
0.32%
+4.0% YoY
|
45% |
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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.