BlastPoint's Banking Scorecard
Bryant State Bank
Designations: ✓ Community bank
Bryant, SD
Bryant State Bank shows strong momentum with 5 strengths and 7.8% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 2.92% above tier average
- + Non-Interest Income / Assets 0.17% below tier average
- + ROA 0.88% above tier average
- + Efficiency Ratio 31.20% below tier average
- + Delinquency Rate 0.97% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$55.3M
+7.8% YoY
+2.1% QoQ
|
-$6.8M |
$62.2M
-0.6% YoY
|
$68.7B
+9.0% YoY
|
$6.2B
+9.1% YoY
|
38% |
| Total Loans ? |
$28.8M
+1.0% YoY
-7.4% QoQ
|
-$5.4M |
$34.2M
-1.4% YoY
|
$30.8B
+10.3% YoY
|
$3.2B
+10.8% YoY
|
43% |
| Total Deposits ? |
$48.3M
+8.0% YoY
+2.4% QoQ
|
-$3.4M |
$51.7M
-0.7% YoY
|
$54.8B
+8.5% YoY
|
$4.8B
+8.2% YoY
|
41% |
| Return on Assets ? |
1.72%
+7.6% YoY
+6.9% QoQ
|
+0.88% |
0.84%
-2.3% YoY
|
1.41%
+1.8% YoY
|
1.23%
+13.4% YoY
|
84% |
| Net Interest Margin ? |
6.78%
-6.5% YoY
-5.5% QoQ
|
+2.92% |
3.86%
+2.8% YoY
|
4.19%
+0.4% YoY
|
3.89%
+5.7% YoY
|
Top 0.4% in tier |
| Efficiency Ratio ? |
57.14%
+4.7% YoY
+4.2% QoQ
|
-31.20% |
88.34%
+0.3% YoY
|
64.00%
-0.6% YoY
|
66.95%
-4.1% YoY
|
81% |
| Delinquency Rate ? |
0.40%
-16.2% YoY
-2.9% QoQ
|
-0.97% |
1.37%
+33.8% YoY
|
0.59%
+45.1% YoY
|
0.95%
+18.8% YoY
|
51% |
| Loan-to-Deposit Ratio ? |
59.68%
-6.4% YoY
-9.6% QoQ
|
-4.53% |
64.22%
-0.7% YoY
|
71.70%
+0.3% YoY
|
76.70%
+0.9% YoY
|
59% |
| Non-Interest-Bearing Deposit Share ? |
33.01%
-1.7% YoY
+1.5% QoQ
|
+9.30% |
23.71%
+0.3% YoY
|
23.74%
-0.7% YoY
|
22.01%
-1.2% YoY
|
81% |
| Nonperforming Asset Ratio ? |
0.21%
-21.5% YoY
-11.9% QoQ
|
-0.58% |
0.79%
+28.2% YoY
|
0.41%
+39.3% YoY
|
0.67%
+19.3% YoY
|
52% |
| Tier 1 Capital Ratio ? |
18.53%
+4.8% YoY
+11.8% QoQ
|
-8.15% |
26.68%
+2.0% YoY
|
15.79%
+0.8% YoY
|
17.06%
+0.8% YoY
|
63% |
| Non-Interest Income / Assets ? |
0.49%
+4.3% YoY
-73.7% QoQ
|
-0.17% |
0.67%
+1.9% YoY
|
0.27%
+0.0% YoY
|
0.32%
+4.1% YoY
|
Top 4.6% in tier |
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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.