BlastPoint's Banking Scorecard
CorTrust Bank National Association
Designations: ✓ Community bank
Mitchell, SD
37 branches across SD · MN
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 885 banks in the $1B-$10B peer group nationwide — 1 of 16 in SD.
- Deposits +8.0% year over year ($1.4B on the books).
- Delinquency rate 0.71%.
- Return on assets 0.38%.
- Efficiency ratio 79.74% vs a 59.73% peer average.
- Loan-to-deposit ratio 72.89% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
CorTrust Bank National Association has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.16% below tier average
Key Concerns
Areas that may need attention
- - Return on Assets 1.01% below tier average
- - Efficiency Ratio 20.01% above tier average
- - Net Interest Margin 0.13% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.6B
+3.4% YoY
-1.1% QoQ
|
-$1.2B |
$2.8B
-0.6% YoY
|
$70.4B
+8.4% YoY
|
$6.3B
+7.7% YoY
|
37% |
| Total Loans ? |
$1.0B
+0.5% YoY
+1.2% QoQ
|
-$960.6M |
$2.0B
-0.3% YoY
|
$31.5B
+10.3% YoY
|
$3.2B
+9.4% YoY
|
31% |
| Total Deposits ? |
$1.4B
+8.0% YoY
-1.6% QoQ
|
-$943.2M |
$2.3B
-0.5% YoY
|
$56.5B
+10.5% YoY
|
$4.9B
+7.3% YoY
|
40% |
| Return on Assets ? |
0.38%
-11.9% YoY
+43.6% QoQ
|
-1.01% |
1.39%
+17.0% YoY
|
1.40%
+6.8% YoY
|
1.30%
+12.1% YoY
|
Bottom 5.2% in tier |
| Net Interest Margin ? |
3.74%
+2.7% YoY
+2.1% QoQ
|
-0.13% |
3.87%
+6.2% YoY
|
4.26%
+1.1% YoY
|
3.95%
+4.9% YoY
|
52% |
| Efficiency Ratio ? |
79.74%
-0.4% YoY
-3.3% QoQ
|
+20.01% |
59.73%
-12.6% YoY
|
60.99%
-4.4% YoY
|
70.05%
+2.5% YoY
|
Bottom 7.2% in tier |
| Delinquency Rate ? |
0.71%
+34.7% YoY
-28.2% QoQ
|
-0.16% |
0.87%
+11.7% YoY
|
0.78%
+47.6% YoY
|
0.98%
+16.3% YoY
|
39% |
| Loan-to-Deposit Ratio ? |
72.89%
-7.0% YoY
+2.8% QoQ
|
-12.15% |
85.04%
-0.1% YoY
|
73.26%
-0.6% YoY
|
79.03%
+2.3% YoY
|
80% |
| Non-Interest-Bearing Deposit Share ? |
24.34%
-4.4% YoY
-0.3% QoQ
|
+3.07% |
21.27%
-1.5% YoY
|
23.46%
+3.2% YoY
|
21.98%
-0.6% YoY
|
69% |
| Nonperforming Asset Ratio ? |
0.45%
+30.9% YoY
-26.5% QoQ
|
-0.22% |
0.67%
+11.7% YoY
|
0.54%
+39.8% YoY
|
0.69%
+15.8% YoY
|
47% |
| Tier 1 Capital Ratio ? |
13.27%
+1.6% YoY
-1.2% QoQ
|
-1.58% |
14.84%
-0.4% YoY
|
15.80%
+1.0% YoY
|
17.09%
+0.8% YoY
|
53% |
| Non-Interest Income / Assets ? |
0.52%
-6.5% YoY
+124.8% QoQ
|
-0.01% |
0.53%
+2.5% YoY
|
0.54%
-0.1% YoY
|
0.66%
+5.2% YoY
|
81% |
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 (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
24.3%
-1.1pp YoY -0.1pp QoQ |
+3.0pp | 21.4% | 23.5% | 22.2% | 69% |
| Brokered Deposits |
3.8%
+1.8pp YoY +0.1pp QoQ |
-5.6pp | 9.5% | 8.7% | 8.5% | 40% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
17.2%
+0.2pp YoY -0.5pp QoQ |
+3.2pp | 14.0% | 14.1% | 12.5% | 74% |
| CRE |
51.5%
+1.2pp YoY +0.4pp QoQ |
+1.5pp | 50.0% | 31.5% | 41.4% | 56% |
| 1-4 Family |
19.9%
+0.1pp YoY +0.4pp QoQ |
-6.5pp | 26.4% | 14.9% | 31.3% | 42% |
| Consumer |
2.9%
-0.8pp YoY -0.2pp QoQ |
-1.8pp | 4.7% | 8.5% | 5.0% | 73% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
13.3%
+0.2pp YoY -0.2pp QoQ |
-2.3pp | 15.6% | 17.6% | 19.7% | 46% |
| Leverage Ratio |
9.9%
-0.1pp YoY -0.2pp QoQ |
-1.4pp | 11.3% | 11.9% | 12.6% | 34% |
| Total Capital Ratio |
14.3%
+0.1pp YoY -0.2pp QoQ |
-2.4pp | 16.7% | 18.8% | 20.8% | 44% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
299
-4 (-1.3%) YoY 0 QoQ |
-15 | 313 | 6,279 | 482 | 65% |
| Assets per Employee ($) |
$5.2M
+4.7% YoY -1.1% QoQ |
-$5.2M | $10.5M | $8.1M | $8.8M | 5% |
| Branch Count |
37
0 YoY 0 QoQ |
+17 | 20 | 92 | 18 | 88% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
-0.5pp YoY -0.2pp QoQ |
-0.2pp | 0.2% | 0.2% | 0.4% | 3% |
| Nonaccrual |
0.7%
+0.7pp YoY -0.1pp QoQ |
-0.1pp | 0.8% | 1.0% | 1.0% | 62% |
| Allowance Coverage |
1.71x
-34.0% YoY +31.9% QoQ |
-17.00x | 18.71x | 96.54x | 20.23x | 42% |
| Net Charge-off Rate (YTD) |
0.7%
+0.1pp YoY 0.0pp QoQ |
+0.5pp | 0.3% | 0.7% | 0.2% | 94% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
4.3%
-0.8pp YoY +1.3pp QoQ |
-8.3pp | 12.6% | 12.4% | 11.6% | 6% |
| Cost of Funds (YTD) |
1.5%
-0.1pp YoY 0.0pp QoQ |
-0.4pp | 1.9% | 1.7% | 1.7% | 22% |
| Net Income ($, YTD) |
$3.0M
-9.5% YoY — QoQ |
-$16.3M | $19.2M | $418.8M | $40.4M | 5% |
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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.