BlastPoint's Banking Scorecard
Bryant State Bank
Designations: ✓ Community bank
Bryant, SD
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 14 in SD.
- Deposits +5.2% year over year ($45.7M on the books).
- Delinquency rate 0.42%.
- Return on assets 1.96%.
- Efficiency ratio 55.61% vs a 119.40% peer average.
- Loan-to-deposit ratio 62.42% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Bryant State Bank demonstrates 5 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 2.98% above tier average
- + Non-Interest Income / Assets 0.34% below tier average
- + ROA 0.96% above tier average
- + Efficiency Ratio 63.79% below tier average
- + Delinquency Rate 1.06% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$52.9M
+3.9% YoY
-4.3% QoQ
|
-$9.5M |
$62.4M
-0.0% YoY
|
$70.4B
+8.4% YoY
|
$6.3B
+7.7% YoY
|
35% |
| Total Loans ? |
$28.6M
-2.8% YoY
-1.0% QoQ
|
-$6.3M |
$34.9M
-0.6% YoY
|
$31.5B
+10.3% YoY
|
$3.2B
+9.4% YoY
|
41% |
| Total Deposits ? |
$45.7M
+5.2% YoY
-5.4% QoQ
|
-$5.9M |
$51.6M
-0.2% YoY
|
$56.5B
+10.5% YoY
|
$4.9B
+7.3% YoY
|
37% |
| Return on Assets ? |
1.96%
+17.9% YoY
+14.2% QoQ
|
+0.96% |
1.00%
+3.5% YoY
|
1.40%
+6.8% YoY
|
1.30%
+12.1% YoY
|
Top 11.9% in tier |
| Net Interest Margin ? |
6.90%
-5.2% YoY
+1.8% QoQ
|
+2.98% |
3.91%
+2.3% YoY
|
4.26%
+1.1% YoY
|
3.95%
+4.9% YoY
|
Top 0.6% in tier |
| Efficiency Ratio ? |
55.61%
+1.9% YoY
-2.7% QoQ
|
-63.79% |
119.40%
+49.6% YoY
|
60.99%
-4.4% YoY
|
70.05%
+2.5% YoY
|
82% |
| Delinquency Rate ? |
0.42%
+2.8% YoY
+4.5% QoQ
|
-1.06% |
1.48%
+31.8% YoY
|
0.78%
+47.6% YoY
|
0.98%
+16.3% YoY
|
52% |
| Loan-to-Deposit Ratio ? |
62.42%
-7.5% YoY
+4.6% QoQ
|
-11.79% |
74.21%
+12.6% YoY
|
73.26%
-0.6% YoY
|
79.03%
+2.3% YoY
|
56% |
| Non-Interest-Bearing Deposit Share ? |
30.10%
-3.4% YoY
-8.8% QoQ
|
+6.61% |
23.49%
+0.6% YoY
|
23.46%
+3.2% YoY
|
21.98%
-0.6% YoY
|
74% |
| Nonperforming Asset Ratio ? |
0.23%
-3.8% YoY
+8.1% QoQ
|
-0.61% |
0.84%
+23.0% YoY
|
0.54%
+39.8% YoY
|
0.69%
+15.8% YoY
|
52% |
| Tier 1 Capital Ratio ? |
18.83%
+9.8% YoY
+1.6% QoQ
|
-8.29% |
27.13%
+3.0% YoY
|
15.80%
+1.0% YoY
|
17.09%
+0.8% YoY
|
64% |
| Non-Interest Income / Assets ? |
1.04%
+7.8% YoY
+111.2% QoQ
|
-0.34% |
1.38%
+6.3% YoY
|
0.54%
-0.1% YoY
|
0.66%
+5.2% YoY
|
Top 4.9% in tier |
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 |
30.1%
-1.1pp YoY -2.9pp QoQ |
+5.5pp | 24.6% | 23.5% | 22.2% | 73% |
| Brokered Deposits | n/a | n/a | 9.8% | 8.7% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
26.3%
+6.7pp YoY +1.1pp QoQ |
+12.9pp | 13.4% | 14.1% | 12.5% | 87% |
| CRE | n/a | n/a | 25.2% | 31.5% | 41.4% | n/a |
| 1-4 Family |
1.7%
-0.6pp YoY -0.6pp QoQ |
-33.2pp | 35.0% | 14.9% | 31.3% | 8% |
| Consumer |
12.3%
-0.5pp YoY -0.4pp QoQ |
+4.6pp | 7.7% | 8.5% | 5.0% | 84% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
18.8%
+1.7pp YoY +0.3pp QoQ |
-19.9pp | 38.7% | 17.6% | 19.7% | 38% |
| Leverage Ratio |
11.6%
+0.3pp YoY +0.4pp QoQ |
-6.1pp | 17.7% | 11.9% | 12.6% | 35% |
| Total Capital Ratio |
20.1%
+1.7pp YoY +0.3pp QoQ |
-19.5pp | 39.7% | 18.8% | 20.8% | 40% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
8
0 YoY 0 QoQ |
-4 | 12 | 6,279 | 482 | 29% |
| Assets per Employee ($) |
$6.6M
+3.9% YoY -4.3% QoQ |
+$430K | $6.2M | $8.1M | $8.8M | 60% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 92 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.2% | 0.4% | n/a |
| Nonaccrual |
0.4%
0.0pp YoY 0.0pp QoQ |
-1.3pp | 1.7% | 1.0% | 1.0% | 35% |
| Allowance Coverage |
14.39x
-3.7% YoY -4.8% QoQ |
+7.98x | 6.41x | 96.54x | 20.23x | 91% |
| Net Charge-off Rate (YTD) |
3.6%
-0.5pp YoY -0.1pp QoQ |
+3.4pp | 0.2% | 0.7% | 0.2% | 99% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
17.4%
+2.2pp YoY +1.9pp QoQ |
+11.0pp | 6.4% | 12.4% | 11.6% | 90% |
| Cost of Funds (YTD) |
1.2%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 1.4% | 1.7% | 1.7% | 38% |
| Net Income ($, YTD) |
$531,000
+22.6% YoY — QoQ |
+$213K | $317,817 | $418.8M | $40.4M | 77% |
Get Full Access to Bryant State Bank
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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.