BlastPoint's Banking Scorecard
Lincoln State Bank
Hankinson, ND
3 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 34 in ND.
- Deposits +9.3% year over year ($111.9M on the books).
- Delinquency rate 0.15%.
- Return on assets 1.07%.
- Efficiency ratio 70.49% vs a 64.48% peer average.
- Loan-to-deposit ratio 58.70% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Lincoln State Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.77% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.25% below tier average
- - Net Interest Margin 0.38% below tier average
- - Efficiency Ratio 6.01% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$125.1M
+10.0% YoY
-0.2% QoQ
|
-$261.4M |
$386.6M
+1.2% YoY
|
$1.1B
+6.9% YoY
|
$6.3B
+7.7% YoY
|
Bottom 7.0% in tier |
| Total Loans ? |
$65.7M
+4.1% YoY
+3.6% QoQ
|
-$192.6M |
$258.3M
+1.7% YoY
|
$805.2M
+6.2% YoY
|
$3.2B
+9.4% YoY
|
Bottom 5.9% in tier |
| Total Deposits ? |
$111.9M
+9.3% YoY
-0.3% QoQ
|
-$214.8M |
$326.7M
+0.7% YoY
|
$922.2M
+5.0% YoY
|
$4.9B
+7.3% YoY
|
Bottom 9.2% in tier |
| Return on Assets ? |
1.07%
+0.6% YoY
+5.0% QoQ
|
-0.25% |
1.32%
+10.8% YoY
|
1.44%
+8.8% YoY
|
1.30%
+12.1% YoY
|
38% |
| Net Interest Margin ? |
3.61%
+4.1% YoY
+4.2% QoQ
|
-0.38% |
3.99%
+5.0% YoY
|
3.79%
+4.3% YoY
|
3.95%
+4.9% YoY
|
33% |
| Efficiency Ratio ? |
70.49%
+3.6% YoY
-0.8% QoQ
|
+6.01% |
64.48%
-3.2% YoY
|
59.23%
-3.7% YoY
|
70.05%
+2.5% YoY
|
29% |
| Delinquency Rate ? |
0.15%
-81.0% YoY
-10.7% QoQ
|
-0.77% |
0.92%
+15.7% YoY
|
0.86%
+16.6% YoY
|
0.98%
+16.3% YoY
|
69% |
| Loan-to-Deposit Ratio ? |
58.70%
-4.8% YoY
+3.9% QoQ
|
-19.25% |
77.95%
+1.0% YoY
|
73.82%
-0.7% YoY
|
79.03%
+2.3% YoY
|
84% |
| Non-Interest-Bearing Deposit Share ? |
25.88%
-2.8% YoY
-1.3% QoQ
|
+3.85% |
22.03%
-0.6% YoY
|
21.56%
+2.8% YoY
|
21.98%
-0.6% YoY
|
69% |
| Nonperforming Asset Ratio ? |
0.08%
-82.0% YoY
-7.3% QoQ
|
-0.59% |
0.67%
+16.4% YoY
|
0.54%
+8.1% YoY
|
0.69%
+15.8% YoY
|
74% |
| Tier 1 Capital Ratio ? |
10.01%
+2.2% YoY
+0.5% QoQ
|
-5.90% |
15.91%
+1.4% YoY
|
12.90%
+0.7% YoY
|
17.09%
+0.8% YoY
|
Bottom 10.9% in tier |
| Non-Interest Income / Assets ? |
0.13%
-22.9% YoY
+78.0% QoQ
|
-0.43% |
0.57%
+7.6% YoY
|
0.22%
-1.4% YoY
|
0.66%
+5.2% YoY
|
29% |
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 |
25.9%
-0.8pp YoY -0.3pp QoQ |
+3.7pp | 22.1% | 21.6% | 22.2% | 69% |
| Brokered Deposits | n/a | n/a | 7.9% | 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 |
10.7%
-1.9pp YoY -0.2pp QoQ |
-0.9pp | 11.6% | 12.9% | 12.5% | 56% |
| CRE | n/a | n/a | 39.5% | 29.0% | 41.4% | n/a |
| 1-4 Family |
7.6%
-0.1pp YoY +0.3pp QoQ |
-25.1pp | 32.6% | 12.3% | 31.3% | 8% |
| Consumer |
5.3%
-0.9pp YoY -0.3pp QoQ |
+1.2pp | 4.1% | 4.5% | 5.0% | 79% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 15.3% | 19.7% | n/a |
| Leverage Ratio |
10.0%
+0.2pp YoY 0.0pp QoQ |
-2.2pp | 12.2% | 10.7% | 12.6% | 32% |
| Total Capital Ratio | n/a | n/a | 19.9% | 16.3% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
14
-1 (-6.7%) YoY -1 (-6.7%) QoQ |
-45 | 58 | 138 | 482 | 3% |
| Assets per Employee ($) |
$8.9M
+17.8% YoY +6.9% QoQ |
+$1.4M | $7.5M | $8.3M | $8.8M | 78% |
| Branch Count |
3
0 YoY 0 QoQ |
-2 | 4 | 7 | 18 | 26% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | 0.0% | -0.3pp | 0.3% | 0.5% | 0.4% | 15% |
| Nonaccrual |
0.1%
-0.6pp YoY 0.0pp QoQ |
-0.8pp | 0.9% | 0.7% | 1.0% | 24% |
| Allowance Coverage |
10.04x
+426.8% YoY +8.6% QoQ |
-14.11x | 24.15x | 73.79x | 20.23x | 82% |
| Net Charge-off Rate (YTD) |
-0.1%
-0.2pp YoY 0.0pp QoQ |
-0.2pp | 0.1% | 0.1% | 0.2% | 5% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
14.5%
-3.6pp YoY +0.6pp QoQ |
+2.3pp | 12.2% | 16.0% | 11.6% | 65% |
| Cost of Funds (YTD) |
1.3%
0.0pp YoY 0.0pp QoQ |
-0.4pp | 1.7% | 1.7% | 1.7% | 24% |
| Net Income ($, YTD) |
$671,000
+7.9% YoY — QoQ |
-$1.9M | $2.6M | $7.0M | $40.4M | 15% |
Get Full Access to Lincoln State Bank
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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.