BlastPoint's Banking Scorecard
CorTrust Bank National Association
Designations: ✓ Community bank
Mitchell, SD
37 branches across SD · MN
CorTrust Bank National Association faces 4 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 18.9% in tier
- - Return on Assets 1.10% below tier average
- - Net Interest Margin 0.15% below tier average
- - Delinquency Rate 0.10% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.6B
+6.4% YoY
+5.1% QoQ
|
-$1.2B |
$2.8B
-0.1% YoY
|
$68.7B
+9.0% YoY
|
$6.2B
+9.1% YoY
|
38% |
| Total Loans ? |
$990.4M
-0.0% YoY
-0.7% QoQ
|
-$974.4M |
$2.0B
+0.6% YoY
|
$30.8B
+10.3% YoY
|
$3.2B
+10.8% YoY
|
31% |
| Total Deposits ? |
$1.4B
+8.6% YoY
+7.6% QoQ
|
-$945.9M |
$2.3B
-0.3% YoY
|
$54.8B
+8.5% YoY
|
$4.8B
+8.2% YoY
|
41% |
| Return on Assets ? |
0.27%
-36.3% YoY
-49.4% QoQ
|
-1.10% |
1.37%
+19.6% YoY
|
1.41%
+1.8% YoY
|
1.23%
+13.4% YoY
|
Bottom 5.4% in tier |
| Net Interest Margin ? |
3.67%
+1.6% YoY
-1.4% QoQ
|
-0.15% |
3.82%
+6.9% YoY
|
4.19%
+0.4% YoY
|
3.89%
+5.7% YoY
|
52% |
| Efficiency Ratio ? |
82.49%
+3.2% YoY
+6.2% QoQ
|
+21.43% |
61.06%
-4.6% YoY
|
64.00%
-0.6% YoY
|
66.95%
-4.1% YoY
|
Bottom 6.2% in tier |
| Delinquency Rate ? |
0.99%
-1.1% QoQ
|
+0.10% |
0.89%
+14.1% YoY
|
0.59%
+45.1% YoY
|
0.95%
+18.8% YoY
|
27% |
| Loan-to-Deposit Ratio ? |
70.88%
-8.0% YoY
-7.7% QoQ
|
-13.33% |
84.20%
+0.3% YoY
|
71.70%
+0.3% YoY
|
76.70%
+0.9% YoY
|
82% |
| Non-Interest-Bearing Deposit Share ? |
24.41%
-7.6% YoY
-5.0% QoQ
|
+3.12% |
21.29%
-2.5% YoY
|
23.74%
-0.7% YoY
|
22.01%
-1.2% YoY
|
70% |
| Nonperforming Asset Ratio ? |
0.62%
-6.6% QoQ
|
-0.06% |
0.67%
+15.6% YoY
|
0.41%
+39.3% YoY
|
0.67%
+19.3% YoY
|
35% |
| Tier 1 Capital Ratio ? |
13.42%
+2.1% YoY
+0.7% QoQ
|
-1.74% |
15.16%
+2.0% YoY
|
15.79%
+0.8% YoY
|
17.06%
+0.8% YoY
|
55% |
| Non-Interest Income / Assets ? |
0.23%
-15.1% YoY
-79.8% QoQ
|
-0.03% |
0.26%
+1.6% YoY
|
0.27%
+0.0% YoY
|
0.32%
+4.1% YoY
|
77% |
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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 (1)
Efficiency Drag
riskEfficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.