BlastPoint's Banking Scorecard

BankNorth

$100M-$1B Specialty: Agricultural ND FDIC cert 8387

Arthur, ND

11 branches across ND · SD

2664 banks in the $100M-$1B peer group nationally 35 in ND

BankNorth has 4 strengths but faces 1 concern

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Net Interest Margin 1.14% above tier average
+ ROA 0.47% above tier average
+ Efficiency Ratio 6.46% below tier average
+ Delinquency Rate 0.45% below tier average

Key Concerns

Areas that may need attention

- Loan-to-Deposit Ratio 25.78% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (ND)	National Avg	Tier Percentile
Total Assets ?	$669.2M +5.9% YoY -4.0% QoQ	+$283.2M	$386.1M +0.5% YoY	$1.1B +4.5% YoY	$6.2B +9.1% YoY	Top 14.2% in tier
Total Loans ?	$586.0M +8.7% YoY -2.0% QoQ	+$330.3M	$255.7M +1.1% YoY	$779.7M +5.6% YoY	$3.2B +10.8% YoY	Top 6.5% in tier
Total Deposits ?	$572.1M +7.8% YoY +3.8% QoQ	+$244.2M	$328.0M +0.1% YoY	$930.6M +2.8% YoY	$4.8B +8.2% YoY	Top 14.6% in tier
Return on Assets ?	1.74% +15.6% YoY +3.0% QoQ	+0.47%	1.27% +12.9% YoY	1.38% +15.2% YoY	1.23% +13.4% YoY	79%
Net Interest Margin ?	5.07% +4.0% YoY +4.0% QoQ	+1.14%	3.93% +6.0% YoY	3.69% +5.3% YoY	3.89% +5.7% YoY	Top 6.2% in tier
Efficiency Ratio ?	58.82% -11.0% YoY -0.4% QoQ	-6.46%	65.29% -4.5% YoY	60.25% -5.8% YoY	66.95% -4.1% YoY	63%
Delinquency Rate ?	0.43% -6.0% YoY +143.3% QoQ	-0.45%	0.89% +18.8% YoY	0.92% +20.6% YoY	0.95% +18.8% YoY	49%
Loan-to-Deposit Ratio ?	102.42% +0.9% YoY -5.6% QoQ	+25.78%	76.64% +0.8% YoY	69.27% +0.4% YoY	76.70% +0.9% YoY	Bottom 6.5% in tier
Non-Interest-Bearing Deposit Share ?	25.03% -0.7% YoY -2.8% QoQ	+3.01%	22.02% -1.0% YoY	22.07% +2.0% YoY	22.01% -1.2% YoY	66%
Nonperforming Asset Ratio ?	0.38% -3.5% YoY +148.2% QoQ	-0.26%	0.64% +19.7% YoY	0.56% +12.7% YoY	0.67% +19.3% YoY	45%
Tier 1 Capital Ratio ?	10.54% +1.2% YoY +2.9% QoQ	-5.29%	15.83% +1.5% YoY	13.00% +1.5% YoY	17.06% +0.8% YoY	17%
Non-Interest Income / Assets ?	0.08% +7.1% YoY -68.2% QoQ	-0.20%	0.28% +9.3% YoY	0.12% +7.9% YoY	0.32% +4.1% YoY	41%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (5 metrics)

166

Net Interest Margin

profitability

Value: 5.07%

Peer Median: 3.93%

#166 of 2664 Top 6.2% in $100M-$1B

175

Total Loans

size

Value: $585.97M

Peer Median: $255.72M

#175 of 2664 Top 6.5% in $100M-$1B

379

Total Assets

size

Value: $669.24M

Peer Median: $386.08M

#379 of 2664 Top 14.2% in $100M-$1B

389

Total Deposits

size

Value: $572.14M

Peer Median: $327.97M

#389 of 2664 Top 14.6% in $100M-$1B

560

Return on Assets

profitability

Value: 1.74%

Peer Median: 1.27%

#560 of 2664 Top 21.0% in $100M-$1B

Top Weaknesses (2 metrics)

2493

Loan-to-Deposit Ratio

liquidity

Value: 102.42%

Peer Median: 76.64%

#2493 of 2664 Bottom 6.5% in $100M-$1B

2220

Tier 1 Capital Ratio

capital

Value: 10.54%

Peer Median: 15.83%

#2220 of 2664 Bottom 16.7% in $100M-$1B