BlastPoint's Banking Scorecard

Turtle Mountain State Bank

$100M-$1B Specialty: Agricultural ND FDIC cert 58586

Designations: ✓ Minority Depository Institution

Belcourt, ND

2664 banks in the $100M-$1B peer group nationally 35 in ND

Turtle Mountain State Bank has 5 strengths but faces 3 concerns

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

+ Non-Interest-Bearing Deposit Share 34.10% above tier average
+ ROA 0.57% above tier average
+ Net Interest Margin 0.23% above tier average
+ Efficiency Ratio 8.39% below tier average
+ Delinquency Rate 0.48% below tier average

Key Concerns

Areas that may need attention

- Deposit Outflow: Bottom 2.2% in tier
- Cost Spiral: Bottom 23.8% in tier
- Credit Quality Pressure: Bottom 48.1% in tier

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (ND)	National Avg	Tier Percentile
Total Assets ?	$111.4M -17.4% YoY -5.1% QoQ	-$274.7M	$386.1M +0.5% YoY	$1.1B +4.5% YoY	$6.2B +9.1% YoY	Bottom 3.2% in tier
Total Loans ?	$35.2M -4.5% YoY -3.0% QoQ	-$220.6M	$255.7M +1.1% YoY	$779.7M +5.6% YoY	$3.2B +10.8% YoY	Bottom 1.1% in tier
Total Deposits ?	$97.6M -20.4% YoY -5.8% QoQ	-$230.4M	$328.0M +0.1% YoY	$930.6M +2.8% YoY	$4.8B +8.2% YoY	Bottom 4.8% in tier
Return on Assets ?	1.84% -18.8% YoY -34.3% QoQ	+0.57%	1.27% +12.9% YoY	1.38% +15.2% YoY	1.23% +13.4% YoY	83%
Net Interest Margin ?	4.16% -9.7% YoY -14.0% QoQ	+0.23%	3.93% +6.0% YoY	3.69% +5.3% YoY	3.89% +5.7% YoY	66%
Efficiency Ratio ?	56.90% +14.0% YoY +36.6% QoQ	-8.39%	65.29% -4.5% YoY	60.25% -5.8% YoY	66.95% -4.1% YoY	68%
Delinquency Rate ?	0.41%	-0.48%	0.89% +18.8% YoY	0.92% +20.6% YoY	0.95% +18.8% YoY	50%
Loan-to-Deposit Ratio ?	36.02% +20.0% YoY +2.9% QoQ	-40.61%	76.64% +0.8% YoY	69.27% +0.4% YoY	76.70% +0.9% YoY	Top 3.0% in tier
Non-Interest-Bearing Deposit Share ?	56.12% -11.1% YoY +3.1% QoQ	+34.10%	22.02% -1.0% YoY	22.07% +2.0% YoY	22.01% -1.2% YoY	Top 1.0% in tier
Nonperforming Asset Ratio ?	0.13%	-0.51%	0.64% +19.7% YoY	0.56% +12.7% YoY	0.67% +19.3% YoY	67%
Tier 1 Capital Ratio ?	12.59% +19.6% YoY +5.0% QoQ	-3.24%	15.83% +1.5% YoY	13.00% +1.5% YoY	17.06% +0.8% YoY	42%
Non-Interest Income / Assets ?	0.07% +21.1% YoY -76.1% QoQ	-0.21%	0.28% +9.3% YoY	0.12% +7.9% YoY	0.32% +4.1% YoY	35%

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$250B+

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 (3)

Deposit Outflow

decline

#12 of 506 • Bottom 2.2% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

506 of 506 Community banks match · 656 nationally

→ Stable -8 banks QoQ | QoQ rank improving

Cost Spiral

risk

#31 of 126 • Bottom 23.8% in tier

Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.

Why this signature

Efficiency Ratio: 56.90%

(Tier: 65.29%, National: 66.95%)

better than tier avg

126 of 126 Community banks match · 176 nationally

↑ Growing +82 banks QoQ | QoQ rank declining

Credit Quality Pressure

risk

#630 of 1308 • Bottom 48.1% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.41%

(Tier: 0.89%, National: 0.95%)

better than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 banks QoQ

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 2664 peers in $100M-$1B

Top Strengths (3 metrics)

Non-Interest-Bearing Deposit Share

funding

Value: 56.12%

Peer Median: 22.02%

#27 of 2664 Top 1.0% in $100M-$1B

Loan-to-Deposit Ratio

liquidity

Value: 36.02%

Peer Median: 76.64%

#82 of 2664 Top 3.0% in $100M-$1B

461

Return on Assets

profitability

Value: 1.84%

Peer Median: 1.27%

#461 of 2664 Top 17.3% in $100M-$1B

Top Weaknesses (3 metrics)

2636

Total Loans

size

Value: $35.15M

Peer Median: $255.72M

#2636 of 2664 Bottom 1.1% in $100M-$1B

2579

Total Assets

size

Value: $111.43M

Peer Median: $386.08M

#2579 of 2664 Bottom 3.2% in $100M-$1B

2538

Total Deposits

size

Value: $97.59M

Peer Median: $327.97M

#2538 of 2664 Bottom 4.8% in $100M-$1B