BlastPoint's Banking Scorecard
The Citizens State Bank at Mohall
Designations: ✓ Community bank
Mohall, 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 536 banks in the under $100M peer group nationwide — 1 of 13 in ND.
- Deposits +6.0% year over year ($69.9M on the books).
- Delinquency rate 0.44%.
- Return on assets 1.17%.
- Efficiency ratio 69.22% vs a 119.40% peer average.
- Loan-to-deposit ratio 84.13% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The Citizens State Bank at Mohall has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.17% above tier average
- + Efficiency Ratio 50.18% below tier average
- + Delinquency Rate 1.04% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.19% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$80.2M
+2.0% YoY
-4.7% QoQ
|
+$17.7M |
$62.4M
-0.0% YoY
|
$1.1B
+6.9% YoY
|
$6.3B
+7.7% YoY
|
71% |
| Total Loans ? |
$58.8M
+2.7% YoY
+4.2% QoQ
|
+$23.9M |
$34.9M
-0.6% YoY
|
$805.2M
+6.2% YoY
|
$3.2B
+9.4% YoY
|
Top 14.2% in tier |
| Total Deposits ? |
$69.9M
+6.0% YoY
-6.3% QoQ
|
+$18.2M |
$51.6M
-0.2% YoY
|
$922.2M
+5.0% YoY
|
$4.9B
+7.3% YoY
|
74% |
| Return on Assets ? |
1.17%
+17.5% YoY
+2.8% QoQ
|
+0.17% |
1.00%
+3.5% YoY
|
1.44%
+8.8% YoY
|
1.30%
+12.1% YoY
|
60% |
| Net Interest Margin ? |
3.73%
-2.1% YoY
+0.5% QoQ
|
-0.19% |
3.91%
+2.3% YoY
|
3.79%
+4.3% YoY
|
3.95%
+4.9% YoY
|
41% |
| Efficiency Ratio ? |
69.22%
-6.0% YoY
-0.4% QoQ
|
-50.18% |
119.40%
+49.6% YoY
|
59.23%
-3.7% YoY
|
70.05%
+2.5% YoY
|
54% |
| Delinquency Rate ? |
0.44%
-37.2% YoY
-4.7% QoQ
|
-1.04% |
1.48%
+31.8% YoY
|
0.86%
+16.6% YoY
|
0.98%
+16.3% YoY
|
52% |
| Loan-to-Deposit Ratio ? |
84.13%
-3.1% YoY
+11.1% QoQ
|
+9.92% |
74.21%
+12.6% YoY
|
73.82%
-0.7% YoY
|
79.03%
+2.3% YoY
|
23% |
| Non-Interest-Bearing Deposit Share ? |
22.86%
-16.0% YoY
-10.5% QoQ
|
-0.63% |
23.49%
+0.6% YoY
|
21.56%
+2.8% YoY
|
21.98%
-0.6% YoY
|
48% |
| Nonperforming Asset Ratio ? |
0.38%
-25.2% YoY
+4.2% QoQ
|
-0.46% |
0.84%
+23.0% YoY
|
0.54%
+8.1% YoY
|
0.69%
+15.8% YoY
|
45% |
| Tier 1 Capital Ratio ? |
16.01%
+6.7% YoY
+10.0% QoQ
|
-11.11% |
27.13%
+3.0% YoY
|
12.90%
+0.7% YoY
|
17.09%
+0.8% YoY
|
53% |
| Non-Interest Income / Assets ? |
0.07%
+26.0% YoY
+49.1% QoQ
|
-1.31% |
1.38%
+6.3% YoY
|
0.22%
-1.4% YoY
|
0.66%
+5.2% YoY
|
25% |
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 |
22.9%
-4.3pp YoY -2.7pp QoQ |
-1.8pp | 24.6% | 21.6% | 22.2% | 45% |
| 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 |
9.7%
-1.3pp YoY -0.8pp QoQ |
-3.7pp | 13.4% | 12.9% | 12.5% | 50% |
| CRE | n/a | n/a | 25.2% | 29.0% | 41.4% | n/a |
| 1-4 Family |
16.4%
+0.8pp YoY -0.7pp QoQ |
-18.6pp | 35.0% | 12.3% | 31.3% | 31% |
| Consumer |
4.1%
-0.1pp YoY -0.1pp QoQ |
-3.5pp | 7.7% | 4.5% | 5.0% | 43% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
16.0%
+1.0pp YoY +1.5pp QoQ |
-22.7pp | 38.7% | 15.3% | 19.7% | 28% |
| Leverage Ratio |
11.8%
-0.3pp YoY 0.0pp QoQ |
-5.9pp | 17.7% | 10.7% | 12.6% | 38% |
| Total Capital Ratio |
16.7%
+1.0pp YoY +1.5pp QoQ |
-23.0pp | 39.7% | 16.3% | 20.8% | 26% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
11
0 YoY 0 QoQ |
-1 | 12 | 138 | 482 | 50% |
| Assets per Employee ($) |
$7.3M
+2.0% YoY -4.7% QoQ |
+$1.1M | $6.2M | $8.3M | $8.8M | 71% |
| Branch Count |
3
0 YoY 0 QoQ |
+1 | 1 | 7 | 18 | 89% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.5% | 0.4% | n/a |
| Nonaccrual |
0.4%
-0.3pp YoY 0.0pp QoQ |
-1.3pp | 1.7% | 0.7% | 1.0% | 36% |
| Allowance Coverage |
1.58x
+48.5% YoY +1.3% QoQ |
-4.83x | 6.41x | 73.79x | 20.23x | 55% |
| Net Charge-off Rate (YTD) |
0.1%
+0.1pp YoY -0.1pp QoQ |
0.0pp | 0.2% | 0.1% | 0.2% | 73% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
10.4%
+1.5pp YoY +0.2pp QoQ |
+4.0pp | 6.4% | 16.0% | 11.6% | 64% |
| Cost of Funds (YTD) |
1.5%
0.0pp YoY 0.0pp QoQ |
+0.1pp | 1.4% | 1.7% | 1.7% | 58% |
| Net Income ($, YTD) |
$474,000
+26.1% YoY — QoQ |
+$156K | $317,817 | $7.0M | $40.4M | 71% |
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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.