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Turtle Mountain State Bank

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

Designations: ✓ Minority Depository Institution

Belcourt, 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 34 in ND.
  • Deposits -16.2% year over year ($99.8M on the books).
  • Delinquency rate 1.77%.
  • Return on assets 2.33%.
  • Efficiency ratio 47.99% vs a 64.48% peer average.
  • Loan-to-deposit ratio 40.56% vs a 77.95% peer average.

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

2643 banks in the $100M-$1B peer group nationally 34 in ND
View $100M-$1B leaderboard (ND) →

Turtle Mountain State Bank has 4 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

  • + Return on Assets 1.01% above tier average
  • + Non-Interest-Bearing Deposit Share 37.40% above tier average
  • + Net Interest Margin 0.32% above tier average
  • + Efficiency Ratio 16.49% below tier average

Key Concerns

Areas that may need attention

  • - Deposit Outflow: Bottom 3.7% in tier
  • - Cost Spiral: Bottom 20.3% in tier
  • - Delinquency Rate 0.85% above tier average
Get updates when Turtle Mountain State Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (ND) National Avg Tier Percentile
Total Assets ? $114.1M
-13.8% YoY +2.4% QoQ
-$272.5M $386.6M
+1.2% YoY
$1.1B
+6.9% YoY
$6.3B
+7.7% YoY
Bottom 3.8% in tier
Total Loans ? $40.5M
+3.0% YoY +15.2% QoQ
-$217.9M $258.3M
+1.7% YoY
$805.2M
+6.2% YoY
$3.2B
+9.4% YoY
Bottom 1.6% in tier
Total Deposits ? $99.8M
-16.2% YoY +2.3% QoQ
-$226.9M $326.7M
+0.7% YoY
$922.2M
+5.0% YoY
$4.9B
+7.3% YoY
Bottom 5.4% in tier
Return on Assets ? 2.33%
-19.5% YoY +27.0% QoQ
+1.01% 1.32%
+10.8% YoY
1.44%
+8.8% YoY
1.30%
+12.1% YoY
Top 6.8% in tier
Net Interest Margin ? 4.31%
-11.9% YoY +3.5% QoQ
+0.32% 3.99%
+5.0% YoY
3.79%
+4.3% YoY
3.95%
+4.9% YoY
71%
Efficiency Ratio ? 47.99%
+20.6% YoY -15.7% QoQ
-16.49% 64.48%
-3.2% YoY
59.23%
-3.7% YoY
70.05%
+2.5% YoY
Top 13.0% in tier
Delinquency Rate ? 1.77%
+332.4% QoQ
+0.85% 0.92%
+15.7% YoY
0.86%
+16.6% YoY
0.98%
+16.3% YoY
15%
Loan-to-Deposit Ratio ? 40.56%
+22.9% YoY +12.6% QoQ
-37.40% 77.95%
+1.0% YoY
73.82%
-0.7% YoY
79.03%
+2.3% YoY
Top 4.4% in tier
Non-Interest-Bearing Deposit Share ? 59.43%
-5.0% YoY +5.9% QoQ
+37.40% 22.03%
-0.6% YoY
21.56%
+2.8% YoY
21.98%
-0.6% YoY
Top 0.7% in tier
Nonperforming Asset Ratio ? 0.63%
+386.2% QoQ
-0.04% 0.67%
+16.4% YoY
0.54%
+8.1% YoY
0.69%
+15.8% YoY
33%
Tier 1 Capital Ratio ? 12.85%
+24.3% YoY +2.0% QoQ
-3.06% 15.91%
+1.4% YoY
12.90%
+0.7% YoY
17.09%
+0.8% YoY
45%
Non-Interest Income / Assets ? 0.19%
+55.0% YoY +152.9% QoQ
-0.38% 0.57%
+7.6% YoY
0.22%
-1.4% YoY
0.66%
+5.2% YoY
46%

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 59.4%
-3.1pp YoY
+3.3pp QoQ
 +37.3pp 22.1% 21.6% 22.2% 99%
Brokered Deposits n/a n/a 7.9% 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 38.5%
-17.3pp YoY
-6.8pp QoQ
 +26.9pp 11.6% 12.9% 12.5% 98%
CRE n/a n/a 39.5% 29.0% 41.4% n/a
1-4 Family 1.6%
-0.2pp YoY
-0.3pp QoQ
 -31.0pp 32.6% 12.3% 31.3% 2%
Consumer 8.7%
+0.9pp YoY
-1.4pp QoQ
 +4.6pp 4.1% 4.5% 5.0% 90%

Capital

Metric Current vs Tier Tier Avg State Avg (ND) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 15.3% 19.7% n/a
Leverage Ratio 12.9%
+2.5pp YoY
+0.3pp QoQ
 +0.7pp 12.2% 10.7% 12.6% 74%
Total Capital Ratio n/a n/a 19.9% 16.3% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (ND) National Avg Tier Percentile
Full-Time Employees 17
0 YoY
0 QoQ
 -42 58 138 482 7%
Assets per Employee ($) $6.7M
-13.8% YoY
+2.4% QoQ
 -$805K $7.5M $8.3M $8.8M 47%
Branch Count 1
0 YoY
0 QoQ
 -4 4 7 18 0%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (ND) National Avg Tier Percentile
Past Due 90+ Days 1.3%
+1.0pp QoQ
 +1.0pp 0.3% 0.5% 0.4% 94%
Nonaccrual 0.5%
+0.4pp YoY
+0.3pp QoQ
 -0.5pp 0.9% 0.7% 1.0% 51%
Allowance Coverage 0.65x
-95.8% YoY
-81.6% QoQ
 -23.50x 24.15x 73.79x 20.23x 16%
Net Charge-off Rate (YTD) 0.2%
+0.1pp YoY
 +0.1pp 0.1% 0.1% 0.2% 87%

Profitability

Metric Current vs Tier Tier Avg State Avg (ND) National Avg Tier Percentile
ROE 19.4%
-11.4pp YoY
+3.9pp QoQ
 +7.2pp 12.2% 16.0% 11.6% 87%
Cost of Funds (YTD) 0.7%
+0.1pp YoY
0.0pp QoQ
 -1.0pp 1.7% 1.7% 1.7% 4%
Net Income ($, YTD) $1.3M
-29.8% YoY
— QoQ
 -$1.2M $2.6M $7.0M $40.4M 37%

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 (2)

Deposit Outflow

decline
#21 of 535 • Bottom 3.7% in tier

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

535 of 535 Community banks match · 686 nationally
→ Stable +31 banks QoQ | QoQ rank declining

Cost Spiral

risk
#29 of 138 • Bottom 20.3% 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: 47.99%
(Tier: 64.48%, National: 70.05%)
better than tier avg
138 of 138 Community banks match · 184 nationally
→ Stable +9 banks QoQ | QoQ rank improving

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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (4 metrics)

20
Non-Interest-Bearing Deposit Share
funding
Value: 59.43%
Peer Median: 22.03%
#20 of 2643 Top 0.7% in $100M-$1B
116
Loan-to-Deposit Ratio
liquidity
Value: 40.56%
Peer Median: 77.95%
#116 of 2643 Top 4.4% in $100M-$1B
181
Return on Assets
profitability
Value: 2.33%
Peer Median: 1.32%
#181 of 2643 Top 6.8% in $100M-$1B
344
Efficiency Ratio
profitability
Value: 47.99%
Peer Median: 64.48%
#344 of 2643 Top 13.0% in $100M-$1B

Top Weaknesses (4 metrics)

2603
Total Loans
size
Value: $40.48M
Peer Median: $258.35M
#2603 of 2643 Bottom 1.6% in $100M-$1B
2543
Total Assets
size
Value: $114.12M
Peer Median: $386.57M
#2543 of 2643 Bottom 3.8% in $100M-$1B
2502
Total Deposits
size
Value: $99.81M
Peer Median: $326.73M
#2502 of 2643 Bottom 5.4% in $100M-$1B
2232
Delinquency Rate
credit_quality
Value: 1.77%
Peer Median: 0.92%
#2232 of 2633 Bottom 15.3% in $100M-$1B
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