BlastPoint's Banking Scorecard
First State Bank of Harvey
Designations: ✓ Community bank
Harvey, ND
2 branches across ND
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 13 in ND.
- Deposits -0.6% year over year ($84.6M on the books).
- Delinquency rate 1.15%.
- Return on assets 1.00%.
- Efficiency ratio 67.59% vs a 119.40% peer average.
- Loan-to-deposit ratio 41.17% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
First State Bank of Harvey has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 51.80% below tier average
- + Delinquency Rate 0.33% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.97% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$94.6M
+2.3% YoY
-5.8% QoQ
|
+$32.2M |
$62.4M
-0.0% YoY
|
$1.1B
+6.9% YoY
|
$6.3B
+7.7% YoY
|
Top 7.5% in tier |
| Total Loans ? |
$34.8M
+11.0% YoY
+10.9% QoQ
|
-$87K |
$34.9M
-0.6% YoY
|
$805.2M
+6.2% YoY
|
$3.2B
+9.4% YoY
|
54% |
| Total Deposits ? |
$84.6M
-0.6% YoY
-8.0% QoQ
|
+$32.9M |
$51.6M
-0.2% YoY
|
$922.2M
+5.0% YoY
|
$4.9B
+7.3% YoY
|
Top 3.9% in tier |
| Return on Assets ? |
1.00%
+44.4% YoY
-0.4% QoQ
|
+0.00% |
1.00%
+3.5% YoY
|
1.44%
+8.8% YoY
|
1.30%
+12.1% YoY
|
50% |
| Net Interest Margin ? |
2.94%
+10.5% YoY
+5.1% QoQ
|
-0.97% |
3.91%
+2.3% YoY
|
3.79%
+4.3% YoY
|
3.95%
+4.9% YoY
|
Bottom 14.0% in tier |
| Efficiency Ratio ? |
67.59%
-9.0% YoY
+3.3% QoQ
|
-51.80% |
119.40%
+49.6% YoY
|
59.23%
-3.7% YoY
|
70.05%
+2.5% YoY
|
57% |
| Delinquency Rate ? |
1.15%
-0.5% YoY
-22.6% QoQ
|
-0.33% |
1.48%
+31.8% YoY
|
0.86%
+16.6% YoY
|
0.98%
+16.3% YoY
|
33% |
| Loan-to-Deposit Ratio ? |
41.17%
+11.7% YoY
+20.5% QoQ
|
-33.04% |
74.21%
+12.6% YoY
|
73.82%
-0.7% YoY
|
79.03%
+2.3% YoY
|
82% |
| Non-Interest-Bearing Deposit Share ? |
27.32%
+3.2% YoY
-3.1% QoQ
|
+3.83% |
23.49%
+0.6% YoY
|
21.56%
+2.8% YoY
|
21.98%
-0.6% YoY
|
66% |
| Nonperforming Asset Ratio ? |
0.42%
+8.0% YoY
-8.9% QoQ
|
-0.41% |
0.84%
+23.0% YoY
|
0.54%
+8.1% YoY
|
0.69%
+15.8% YoY
|
43% |
| Tier 1 Capital Ratio ? |
10.40%
+0.5% YoY
+1.6% QoQ
|
-16.72% |
27.13%
+3.0% YoY
|
12.90%
+0.7% YoY
|
17.09%
+0.8% YoY
|
Bottom 8.4% in tier |
| Non-Interest Income / Assets ? |
0.16%
-16.3% YoY
+110.9% QoQ
|
-1.22% |
1.38%
+6.3% YoY
|
0.22%
-1.4% YoY
|
0.66%
+5.2% YoY
|
59% |
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 (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
27.3%
+0.9pp YoY -0.9pp QoQ |
+2.7pp | 24.6% | 21.6% | 22.2% | 64% |
| Brokered Deposits | n/a | n/a | 9.8% | 6.0% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
9.1%
+1.1pp YoY 0.0pp QoQ |
-4.3pp | 13.4% | 12.9% | 12.5% | 47% |
| CRE |
24.3%
+3.6pp YoY -2.3pp QoQ |
-0.9pp | 25.2% | 29.0% | 41.4% | 61% |
| 1-4 Family |
18.7%
-2.8pp YoY -1.3pp QoQ |
-16.2pp | 35.0% | 12.3% | 31.3% | 35% |
| Consumer |
11.5%
+1.0pp YoY -1.3pp QoQ |
+3.9pp | 7.7% | 4.5% | 5.0% | 82% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 15.3% | 19.7% | n/a |
| Leverage Ratio |
10.4%
+0.1pp YoY +0.2pp QoQ |
-7.3pp | 17.7% | 10.7% | 12.6% | 22% |
| Total Capital Ratio | n/a | n/a | 39.7% | 16.3% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
15
+1 (+7.1%) YoY 0 QoQ |
+3 | 12 | 138 | 482 | 73% |
| Assets per Employee ($) |
$6.3M
-4.5% YoY -5.8% QoQ |
+$118K | $6.2M | $8.3M | $8.8M | 55% |
| Branch Count |
2
0 YoY 0 QoQ |
+0 | 1 | 7 | 18 | 63% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.5% | 0.4% | n/a |
| Nonaccrual | 1.1% | -0.6pp | 1.7% | 0.7% | 1.0% | 60% |
| Allowance Coverage |
0.91x
-17.4% YoY +6.3% QoQ |
-5.50x | 6.41x | 73.79x | 20.23x | 41% |
| Net Charge-off Rate (YTD) |
0.2%
+0.2pp YoY |
0.0pp | 0.2% | 0.1% | 0.2% | 78% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
12.2%
+1.8pp YoY -0.3pp QoQ |
+5.8pp | 6.4% | 16.0% | 11.6% | 73% |
| Cost of Funds (YTD) |
1.3%
-0.1pp YoY 0.0pp QoQ |
-0.1pp | 1.4% | 1.7% | 1.7% | 44% |
| Net Income ($, YTD) |
$481,000
+51.3% YoY — QoQ |
+$163K | $317,817 | $7.0M | $40.4M | 72% |
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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.