BlastPoint's Banking Scorecard
Merchants Bank
Rugby, ND
6 branches across ND · MT
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 +2.7% year over year ($223.4M on the books).
- Delinquency rate 1.26%.
- Return on assets 1.50%.
- Efficiency ratio 47.10% vs a 64.48% peer average.
- Loan-to-deposit ratio 84.32% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Merchants Bank has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.17% above tier average
- + Net Interest Margin 0.14% above tier average
- + Efficiency Ratio 17.38% below tier average
Key Concerns
Areas that may need attention
- - Non-Interest Income / Assets 0.51% below tier average
- - Delinquency Rate 0.34% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$254.3M
+3.5% YoY
-1.3% QoQ
|
-$132.3M |
$386.6M
+1.2% YoY
|
$1.1B
+6.9% YoY
|
$6.3B
+7.7% YoY
|
37% |
| Total Loans ? |
$188.3M
-0.6% YoY
+6.9% QoQ
|
-$70.0M |
$258.3M
+1.7% YoY
|
$805.2M
+6.2% YoY
|
$3.2B
+9.4% YoY
|
45% |
| Total Deposits ? |
$223.4M
+2.7% YoY
-1.5% QoQ
|
-$103.4M |
$326.7M
+0.7% YoY
|
$922.2M
+5.0% YoY
|
$4.9B
+7.3% YoY
|
39% |
| Return on Assets ? |
1.50%
+6.7% YoY
+10.0% QoQ
|
+0.17% |
1.32%
+10.8% YoY
|
1.44%
+8.8% YoY
|
1.30%
+12.1% YoY
|
65% |
| Net Interest Margin ? |
4.12%
+1.3% YoY
+4.7% QoQ
|
+0.14% |
3.99%
+5.0% YoY
|
3.79%
+4.3% YoY
|
3.95%
+4.9% YoY
|
60% |
| Efficiency Ratio ? |
47.10%
-6.7% YoY
-10.6% QoQ
|
-17.38% |
64.48%
-3.2% YoY
|
59.23%
-3.7% YoY
|
70.05%
+2.5% YoY
|
Top 11.8% in tier |
| Delinquency Rate ? |
1.26%
-33.8% YoY
+2.6% QoQ
|
+0.34% |
0.92%
+15.7% YoY
|
0.86%
+16.6% YoY
|
0.98%
+16.3% YoY
|
23% |
| Loan-to-Deposit Ratio ? |
84.32%
-3.2% YoY
+8.5% QoQ
|
+6.37% |
77.95%
+1.0% YoY
|
73.82%
-0.7% YoY
|
79.03%
+2.3% YoY
|
40% |
| Non-Interest-Bearing Deposit Share ? |
22.63%
+13.0% YoY
+3.6% QoQ
|
+0.60% |
22.03%
-0.6% YoY
|
21.56%
+2.8% YoY
|
21.98%
-0.6% YoY
|
57% |
| Nonperforming Asset Ratio ? |
0.93%
-36.4% YoY
+11.0% QoQ
|
+0.27% |
0.67%
+16.4% YoY
|
0.54%
+8.1% YoY
|
0.69%
+15.8% YoY
|
22% |
| Tier 1 Capital Ratio ? |
13.87%
+14.9% YoY
-7.0% QoQ
|
-2.04% |
15.91%
+1.4% YoY
|
12.90%
+0.7% YoY
|
17.09%
+0.8% YoY
|
57% |
| Non-Interest Income / Assets ? |
0.06%
+0.6% YoY
+110.9% QoQ
|
-0.51% |
0.57%
+7.6% YoY
|
0.22%
-1.4% YoY
|
0.66%
+5.2% YoY
|
Bottom 7.6% in tier |
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 |
22.6%
+2.6pp YoY +0.8pp QoQ |
+0.5pp | 22.1% | 21.6% | 22.2% | 57% |
| Brokered Deposits |
8.9%
-0.2pp YoY 0.0pp QoQ |
+1.1pp | 7.9% | 6.0% | 8.5% | 72% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
9.4%
+2.2pp YoY +1.2pp QoQ |
-2.1pp | 11.6% | 12.9% | 12.5% | 49% |
| CRE |
3.9%
-1.8pp YoY -1.6pp QoQ |
-35.7pp | 39.5% | 29.0% | 41.4% | 0% |
| 1-4 Family |
3.4%
+0.7pp YoY +0.1pp QoQ |
-29.2pp | 32.6% | 12.3% | 31.3% | 3% |
| Consumer |
1.7%
0.0pp YoY -0.1pp QoQ |
-2.4pp | 4.1% | 4.5% | 5.0% | 43% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
13.9%
+1.8pp YoY -1.0pp QoQ |
-5.0pp | 18.8% | 15.3% | 19.7% | 38% |
| Leverage Ratio |
10.6%
+0.5pp YoY +0.4pp QoQ |
-1.6pp | 12.2% | 10.7% | 12.6% | 42% |
| Total Capital Ratio |
15.0%
+1.9pp YoY -1.1pp QoQ |
-4.9pp | 19.9% | 16.3% | 20.8% | 38% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
32
0 YoY +2 (+6.7%) QoQ |
-27 | 58 | 138 | 482 | 30% |
| Assets per Employee ($) |
$7.9M
+3.5% YoY -7.4% QoQ |
+$428K | $7.5M | $8.3M | $8.8M | 67% |
| Branch Count |
6
0 YoY 0 QoQ |
+1 | 4 | 7 | 18 | 66% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.1%
-0.8pp YoY |
-0.2pp | 0.3% | 0.5% | 0.4% | 53% |
| Nonaccrual |
1.1%
+0.2pp YoY -0.1pp QoQ |
+0.2pp | 0.9% | 0.7% | 1.0% | 75% |
| Allowance Coverage |
0.95x
+60.9% YoY -7.9% QoQ |
-23.20x | 24.15x | 73.79x | 20.23x | 25% |
| Net Charge-off Rate (YTD) |
0.1%
+0.1pp YoY |
-0.1pp | 0.1% | 0.1% | 0.2% | 74% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
15.0%
-0.2pp YoY +1.0pp QoQ |
+2.8pp | 12.2% | 16.0% | 11.6% | 68% |
| Cost of Funds (YTD) |
1.4%
-0.2pp YoY 0.0pp QoQ |
-0.4pp | 1.7% | 1.7% | 1.7% | 27% |
| Net Income ($, YTD) |
$1.9M
+10.7% YoY — QoQ |
-$605K | $2.6M | $7.0M | $40.4M | 51% |
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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.