BlastPoint's Banking Scorecard
First State Bank of Harvey
Harvey, ND
2 branches across ND
First State Bank of Harvey faces 5 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 44.7% in tier
- - Net Interest Margin 1.13% below tier average
- - ROA 0.27% below tier average
- - Efficiency Ratio 0.15% above tier average
- - Delinquency Rate 0.60% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$100.4M
+5.2% YoY
+6.0% QoQ
|
-$285.7M |
$386.1M
+0.5% YoY
|
$1.1B
+4.5% YoY
|
$6.2B
+9.1% YoY
|
Bottom 0.3% in tier |
| Total Loans ? |
$31.4M
+13.2% YoY
-12.9% QoQ
|
-$224.3M |
$255.7M
+1.1% YoY
|
$779.7M
+5.6% YoY
|
$3.2B
+10.8% YoY
|
Bottom 1.0% in tier |
| Total Deposits ? |
$91.9M
+3.9% YoY
+6.7% QoQ
|
-$236.1M |
$328.0M
+0.1% YoY
|
$930.6M
+2.8% YoY
|
$4.8B
+8.2% YoY
|
Bottom 3.2% in tier |
| Return on Assets ? |
1.00%
+22.5% YoY
+6.2% QoQ
|
-0.27% |
1.27%
+12.9% YoY
|
1.38%
+15.2% YoY
|
1.23%
+13.4% YoY
|
38% |
| Net Interest Margin ? |
2.80%
+4.9% YoY
+1.4% QoQ
|
-1.13% |
3.93%
+6.0% YoY
|
3.69%
+5.3% YoY
|
3.89%
+5.7% YoY
|
Bottom 6.7% in tier |
| Efficiency Ratio ? |
65.43%
-6.6% YoY
+0.6% QoQ
|
+0.15% |
65.29%
-4.5% YoY
|
60.25%
-5.8% YoY
|
66.95%
-4.1% YoY
|
43% |
| Delinquency Rate ? |
1.48%
+72.2% YoY
+104.2% QoQ
|
+0.60% |
0.89%
+18.8% YoY
|
0.92%
+20.6% YoY
|
0.95%
+18.8% YoY
|
18% |
| Loan-to-Deposit Ratio ? |
34.16%
+9.0% YoY
-18.4% QoQ
|
-42.48% |
76.64%
+0.8% YoY
|
69.27%
+0.4% YoY
|
76.70%
+0.9% YoY
|
Top 2.5% in tier |
| Non-Interest-Bearing Deposit Share ? |
28.18%
+3.0% YoY
+3.4% QoQ
|
+6.17% |
22.02%
-1.0% YoY
|
22.07%
+2.0% YoY
|
22.01%
-1.2% YoY
|
77% |
| Nonperforming Asset Ratio ? |
0.46%
+85.4% YoY
+67.9% QoQ
|
-0.17% |
0.64%
+19.7% YoY
|
0.56%
+12.7% YoY
|
0.67%
+19.3% YoY
|
40% |
| Tier 1 Capital Ratio ? |
10.24%
-1.8% YoY
+0.3% QoQ
|
-5.59% |
15.83%
+1.5% YoY
|
13.00%
+1.5% YoY
|
17.06%
+0.8% YoY
|
Bottom 12.9% in tier |
| Non-Interest Income / Assets ? |
0.07%
-18.9% YoY
-85.6% QoQ
|
-0.21% |
0.28%
+9.3% YoY
|
0.12%
+7.9% YoY
|
0.32%
+4.1% YoY
|
35% |
Get Full Access to First State Bank of Harvey
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 (1)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.