BlastPoint's Banking Scorecard

The Citizens State Bank at Mohall

under $100M Specialty: Agricultural ND FDIC cert 8632

Designations: ✓ Community bank

Mohall, ND

3 branches across ND

537 banks in the under $100M peer group nationally 12 in ND

The Citizens State Bank at Mohall has 3 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

+ ROA 0.28% above tier average
+ Efficiency Ratio 18.13% below tier average
+ Delinquency Rate 0.90% below tier average

Key Concerns

Areas that may need attention

- Net Interest Margin 0.16% below tier average

Get updates when The Citizens State Bank at Mohall releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (ND)	National Avg	Tier Percentile
Total Assets ?	$84.1M +10.7% YoY +5.8% QoQ	+$21.8M	$62.3M -0.5% YoY	$1.1B +4.5% YoY	$6.2B +9.0% YoY	76%
Total Loans ?	$56.4M +6.0% YoY -3.3% QoQ	+$22.1M	$34.3M -1.5% YoY	$779.7M +5.6% YoY	$3.2B +10.7% YoY	85%
Total Deposits ?	$74.5M +11.3% YoY +13.6% QoQ	+$22.7M	$51.8M -0.6% YoY	$930.6M +2.8% YoY	$4.8B +8.0% YoY	82%
Return on Assets ?	1.13% +36.0% YoY +19.8% QoQ	+0.28%	0.86% -3.6% YoY	1.38% +15.2% YoY	1.24% +13.1% YoY	59%
Net Interest Margin ?	3.71% -1.7% YoY -2.2% QoQ	-0.16%	3.87% +2.7% YoY	3.69% +5.3% YoY	3.89% +5.7% YoY	44%
Efficiency Ratio ?	69.50% -10.5% YoY -7.0% QoQ	-18.13%	87.63% +2.3% YoY	60.25% -5.8% YoY	66.84% -3.8% YoY	54%
Delinquency Rate ?	0.46% -40.5% YoY -37.9% QoQ	-0.90%	1.36% +33.7% YoY	0.92% +20.6% YoY	0.95% +18.8% YoY	48%
Loan-to-Deposit Ratio ?	75.70% -4.7% YoY -14.9% QoQ	+11.59%	64.11% -0.9% YoY	69.27% +0.4% YoY	76.69% +0.9% YoY	34%
Non-Interest-Bearing Deposit Share ?	25.53% +1.3% YoY +4.8% QoQ	+1.75%	23.79% +0.5% YoY	22.07% +2.0% YoY	22.01% -1.1% YoY	57%
Nonperforming Asset Ratio ?	0.36% -32.6% YoY -33.0% QoQ	-0.41%	0.77% +28.7% YoY	0.56% +12.7% YoY	0.66% +19.3% YoY	44%
Tier 1 Capital Ratio ?	14.56% -4.9% YoY +5.2% QoQ	-12.21%	26.77% +2.0% YoY	13.00% +1.5% YoY	17.06% +0.8% YoY	43%
Non-Interest Income / Assets ?	0.05% +32.0% YoY -59.2% QoQ	-0.62%	0.67% +1.6% YoY	0.12% +7.9% YoY	0.32% +4.0% YoY	39%

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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 537 peers in under $100M

Top Strengths (3 metrics)

Total Loans

size

Value: $56.42M

Peer Median: $34.29M

#83 of 537 Top 15.3% in under $100M

100

Total Deposits

size

Value: $74.53M

Peer Median: $51.83M

#100 of 537 Top 18.4% in under $100M

128

Total Assets

size

Value: $84.09M

Peer Median: $62.28M

#128 of 537 Top 23.6% in under $100M

Top Weaknesses (0 metrics)

No weakness rankings available