BlastPoint's Banking Scorecard

BankNorth

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

Arthur, ND

11 branches across ND · 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 34 in ND.
Deposits +10.0% year over year ($549.6M on the books).
Delinquency rate 0.58%.
Return on assets 1.94%.
Efficiency ratio 54.78% vs a 64.48% peer average.
Loan-to-deposit ratio 110.73% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 34 in ND

View $100M-$1B leaderboard (ND) →

BankNorth has 4 strengths but faces 3 concerns

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 1.04% above tier average
+ ROA 0.62% above tier average
+ Efficiency Ratio 9.70% below tier average
+ Delinquency Rate 0.34% below tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 46.5% in tier
- Credit Quality Pressure: Bottom 47.3% in tier
- Loan-to-Deposit Ratio 32.78% above tier average

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Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (ND)	National Avg	Tier Percentile
Total Assets ?	$694.1M +6.7% YoY +3.7% QoQ	+$307.5M	$386.6M +1.2% YoY	$1.1B +6.9% YoY	$6.3B +7.7% YoY	Top 12.6% in tier
Total Loans ?	$608.6M +7.8% YoY +3.9% QoQ	+$350.3M	$258.3M +1.7% YoY	$805.2M +6.2% YoY	$3.2B +9.4% YoY	Top 5.7% in tier
Total Deposits ?	$549.6M +10.0% YoY -3.9% QoQ	+$222.9M	$326.7M +0.7% YoY	$922.2M +5.0% YoY	$4.9B +7.3% YoY	84%
Return on Assets ?	1.94% +14.0% YoY +11.8% QoQ	+0.62%	1.32% +10.8% YoY	1.44% +8.8% YoY	1.30% +12.1% YoY	Top 14.4% in tier
Net Interest Margin ?	5.03% +2.0% YoY -0.9% QoQ	+1.04%	3.99% +5.0% YoY	3.79% +4.3% YoY	3.95% +4.9% YoY	Top 7.7% in tier
Efficiency Ratio ?	54.78% -8.7% YoY -6.9% QoQ	-9.70%	64.48% -3.2% YoY	59.23% -3.7% YoY	70.05% +2.5% YoY	72%
Delinquency Rate ?	0.58% +116.6% YoY +34.4% QoQ	-0.34%	0.92% +15.7% YoY	0.86% +16.6% YoY	0.98% +16.3% YoY	43%
Loan-to-Deposit Ratio ?	110.73% -1.9% YoY +8.1% QoQ	+32.78%	77.95% +1.0% YoY	73.82% -0.7% YoY	79.03% +2.3% YoY	Bottom 2.7% in tier
Non-Interest-Bearing Deposit Share ?	23.55% +0.4% YoY -5.9% QoQ	+1.52%	22.03% -0.6% YoY	21.56% +2.8% YoY	21.98% -0.6% YoY	61%
Nonperforming Asset Ratio ?	0.51% +119.0% YoY +34.6% QoQ	-0.16%	0.67% +16.4% YoY	0.54% +8.1% YoY	0.69% +15.8% YoY	39%
Tier 1 Capital Ratio ?	10.47% +2.1% YoY -0.7% QoQ	-5.44%	15.91% +1.4% YoY	12.90% +0.7% YoY	17.09% +0.8% YoY	16%
Non-Interest Income / Assets ?	0.15% +16.4% YoY +83.0% QoQ	-0.42%	0.57% +7.6% YoY	0.22% -1.4% YoY	0.66% +5.2% YoY	35%

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	23.6% +0.1pp YoY -1.5pp QoQ	+1.4pp	22.1%	21.6%	22.2%	61%
Brokered Deposits	5.1% +0.3pp YoY -0.3pp QoQ	-2.8pp	7.9%	6.0%	8.5%	53%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (ND)	National Avg	Tier Percentile
C&I	11.6% +1.7pp YoY +1.7pp QoQ	0.0pp	11.6%	12.9%	12.5%	61%
CRE	7.1% +0.3pp YoY -0.3pp QoQ	-32.4pp	39.5%	29.0%	41.4%	2%
1-4 Family	3.1% 0.0pp YoY 0.0pp QoQ	-29.5pp	32.6%	12.3%	31.3%	3%
Consumer	1.5% -0.3pp YoY -0.1pp QoQ	-2.6pp	4.1%	4.5%	5.0%	39%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (ND)	National Avg	Tier Percentile
CET1 Ratio	10.5% +0.2pp YoY -0.1pp QoQ	-8.4pp	18.8%	15.3%	19.7%	5%
Leverage Ratio	10.3% +0.1pp YoY +0.1pp QoQ	-1.8pp	12.2%	10.7%	12.6%	38%
Total Capital Ratio	11.5% +0.3pp YoY -0.1pp QoQ	-8.4pp	19.9%	16.3%	20.8%	4%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (ND)	National Avg	Tier Percentile
Full-Time Employees	100 +1 (+1.0%) YoY +3 (+3.1%) QoQ	+41	58	138	482	87%
Assets per Employee ($)	$6.9M +5.6% YoY +0.6% QoQ	-$578K	$7.5M	$8.3M	$8.8M	51%
Branch Count	11 0 YoY 0 QoQ	+6	4	7	18	93%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (ND)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% 0.0pp YoY 0.0pp QoQ	-0.3pp	0.3%	0.5%	0.4%	24%
Nonaccrual	0.6% +0.3pp YoY +0.1pp QoQ	-0.4pp	0.9%	0.7%	1.0%	56%
Allowance Coverage	1.82x -51.6% YoY -25.2% QoQ	-22.34x	24.15x	73.79x	20.23x	45%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	50%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (ND)	National Avg	Tier Percentile
ROE	17.4% +1.8pp YoY +1.9pp QoQ	+5.2pp	12.2%	16.0%	11.6%	79%
Cost of Funds (YTD)	1.9% -0.2pp YoY 0.0pp QoQ	+0.1pp	1.7%	1.7%	1.7%	62%
Net Income ($, YTD)	$6.7M +21.5% YoY — QoQ	+$4.1M	$2.6M	$7.0M	$40.4M	94%

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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 (2)

Credit Risk Growth

risk

#436 of 936 • Bottom 46.5% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally

→ Stable -58 banks QoQ

Credit Quality Pressure

risk

#595 of 1256 • Bottom 47.3% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.58%

(Tier: 0.92%, National: 0.98%)

better than tier avg

1256 of 1256 Community banks match · 1820 nationally

→ Stable -71 banks QoQ

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 2643 peers in $100M-$1B

Top Strengths (5 metrics)

152

Total Loans

size

Value: $608.62M

Peer Median: $258.35M

#152 of 2643 Top 5.7% in $100M-$1B

204

Net Interest Margin

profitability

Value: 5.03%

Peer Median: 3.99%

#204 of 2643 Top 7.7% in $100M-$1B

334

Total Assets

size

Value: $694.06M

Peer Median: $386.57M

#334 of 2643 Top 12.6% in $100M-$1B

382

Return on Assets

profitability

Value: 1.94%

Peer Median: 1.32%

#382 of 2643 Top 14.4% in $100M-$1B

419

Total Deposits

size

Value: $549.62M

Peer Median: $326.73M

#419 of 2643 Top 15.8% in $100M-$1B

Top Weaknesses (2 metrics)

2573

Loan-to-Deposit Ratio

liquidity

Value: 110.73%

Peer Median: 77.95%

#2573 of 2643 Bottom 2.7% in $100M-$1B

2216

Tier 1 Capital Ratio

capital

Value: 10.47%

Peer Median: 15.91%

#2216 of 2643 Bottom 16.2% in $100M-$1B