BlastPoint's Banking Scorecard
Aspire Bank
Designations: ✓ Community bank
Fargo, 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 -5.4% year over year ($48.8M on the books).
- Delinquency rate 0.00%.
- Return on assets 1.04%.
- Efficiency ratio 67.40% vs a 119.40% peer average.
- Loan-to-deposit ratio 109.75% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Aspire Bank has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.42% above tier average
- + Efficiency Ratio 52.00% below tier average
- + Delinquency Rate 1.48% below tier average
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 35.54% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$60.9M
-4.2% YoY
-1.7% QoQ
|
-$1.5M |
$62.4M
-0.0% YoY
|
$1.1B
+6.9% YoY
|
$6.3B
+7.7% YoY
|
46% |
| Total Loans ? |
$53.6M
-5.0% YoY
-2.6% QoQ
|
+$18.7M |
$34.9M
-0.6% YoY
|
$805.2M
+6.2% YoY
|
$3.2B
+9.4% YoY
|
80% |
| Total Deposits ? |
$48.8M
-5.4% YoY
-4.1% QoQ
|
-$2.8M |
$51.6M
-0.2% YoY
|
$922.2M
+5.0% YoY
|
$4.9B
+7.3% YoY
|
43% |
| Return on Assets ? |
1.04%
+0.8% YoY
-2.3% QoQ
|
+0.04% |
1.00%
+3.5% YoY
|
1.44%
+8.8% YoY
|
1.30%
+12.1% YoY
|
52% |
| Net Interest Margin ? |
4.33%
+17.1% YoY
-0.3% QoQ
|
+0.42% |
3.91%
+2.3% YoY
|
3.79%
+4.3% YoY
|
3.95%
+4.9% YoY
|
68% |
| Efficiency Ratio ? |
67.40%
+2.6% YoY
+3.0% QoQ
|
-52.00% |
119.40%
+49.6% YoY
|
59.23%
-3.7% YoY
|
70.05%
+2.5% YoY
|
58% |
| Delinquency Rate ? |
0.00%
-99.6% YoY
+2.7% QoQ
|
-1.48% |
1.48%
+31.8% YoY
|
0.86%
+16.6% YoY
|
0.98%
+16.3% YoY
|
72% |
| Loan-to-Deposit Ratio ? |
109.75%
+0.4% YoY
+1.5% QoQ
|
+35.54% |
74.21%
+12.6% YoY
|
73.82%
-0.7% YoY
|
79.03%
+2.3% YoY
|
Bottom 4.3% in tier |
| Non-Interest-Bearing Deposit Share ? |
20.16%
+28.0% YoY
+14.9% QoQ
|
-3.33% |
23.49%
+0.6% YoY
|
21.56%
+2.8% YoY
|
21.98%
-0.6% YoY
|
40% |
| Nonperforming Asset Ratio ? |
0.00%
-99.6% YoY
+1.7% QoQ
|
-0.83% |
0.84%
+23.0% YoY
|
0.54%
+8.1% YoY
|
0.69%
+15.8% YoY
|
71% |
| Tier 1 Capital Ratio ? |
11.40%
+14.8% YoY
+4.6% QoQ
|
-15.73% |
27.13%
+3.0% YoY
|
12.90%
+0.7% YoY
|
17.09%
+0.8% YoY
|
17% |
| Non-Interest Income / Assets ? |
0.08%
-67.7% YoY
+597.5% QoQ
|
-1.30% |
1.38%
+6.3% YoY
|
0.22%
-1.4% YoY
|
0.66%
+5.2% YoY
|
31% |
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 |
20.2%
+4.4pp YoY +2.6pp QoQ |
-4.5pp | 24.6% | 21.6% | 22.2% | 37% |
| 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 |
21.6%
+0.3pp YoY +0.8pp QoQ |
+8.2pp | 13.4% | 12.9% | 12.5% | 81% |
| CRE |
49.9%
+1.4pp YoY +1.1pp QoQ |
+24.6pp | 25.2% | 29.0% | 41.4% | 91% |
| 1-4 Family |
16.6%
-0.9pp YoY -1.7pp QoQ |
-18.4pp | 35.0% | 12.3% | 31.3% | 31% |
| Consumer |
2.3%
+0.4pp YoY +0.4pp QoQ |
-5.4pp | 7.7% | 4.5% | 5.0% | 24% |
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 |
11.4%
+1.5pp YoY +0.5pp QoQ |
-6.3pp | 17.7% | 10.7% | 12.6% | 33% |
| 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
+1 (+10.0%) YoY 0 QoQ |
-1 | 12 | 138 | 482 | 50% |
| Assets per Employee ($) |
$5.5M
-12.9% YoY -1.7% QoQ |
-$651K | $6.2M | $8.3M | $8.8M | 44% |
| Branch Count |
2
0 YoY 0 QoQ |
+0 | 1 | 7 | 18 | 63% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
0.0pp QoQ |
-1.0pp | 1.0% | 0.5% | 0.4% | 1% |
| Nonaccrual | n/a | n/a | 1.7% | 0.7% | 1.0% | n/a |
| Allowance Coverage |
275.50x
+23507.4% YoY +0.5% QoQ |
+269.09x | 6.41x | 73.79x | 20.23x | 100% |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 0.2% | 0.1% | 0.2% | 27% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
9.0%
-1.1pp YoY -0.4pp QoQ |
+2.6pp | 6.4% | 16.0% | 11.6% | 55% |
| Cost of Funds (YTD) |
2.0%
-0.5pp YoY 0.0pp QoQ |
+0.6pp | 1.4% | 1.7% | 1.7% | 83% |
| Net Income ($, YTD) |
$320,000
-2.1% YoY — QoQ |
+$2K | $317,817 | $7.0M | $40.4M | 55% |
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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.