BlastPoint's Banking Scorecard

Rolette State Bank

under $100M Specialty: Agricultural ND FDIC cert 9120

Designations: ✓ Community bank

Rolette, ND

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

Rolette State Bank shows strong momentum with 4 strengths and 12.0% YoY asset growth

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 0.56% above tier average
+ Net Interest Margin 0.46% above tier average
+ Efficiency Ratio 20.42% below tier average
+ Delinquency Rate 1.32% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when Rolette State Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (ND)	National Avg	Tier Percentile
Total Assets ?	$52.5M +12.0% YoY +6.6% QoQ	-$9.8M	$62.3M -0.5% YoY	$1.1B +4.5% YoY	$6.2B +9.0% YoY	34%
Total Loans ?	$32.4M -3.4% YoY -6.1% QoQ	-$1.9M	$34.3M -1.5% YoY	$779.7M +5.6% YoY	$3.2B +10.7% YoY	51%
Total Deposits ?	$47.0M +12.5% YoY +7.0% QoQ	-$4.8M	$51.8M -0.6% YoY	$930.6M +2.8% YoY	$4.8B +8.0% YoY	39%
Return on Assets ?	1.42% -11.2% YoY -13.4% QoQ	+0.56%	0.86% -3.6% YoY	1.38% +15.2% YoY	1.24% +13.1% YoY	74%
Net Interest Margin ?	4.33% -11.1% YoY -16.0% QoQ	+0.46%	3.87% +2.7% YoY	3.69% +5.3% YoY	3.89% +5.7% YoY	69%
Efficiency Ratio ?	67.21% +1.7% YoY +2.5% QoQ	-20.42%	87.63% +2.3% YoY	60.25% -5.8% YoY	66.84% -3.8% YoY	59%
Delinquency Rate ?	0.04% -4.4% YoY +6.5% QoQ	-1.32%	1.36% +33.7% YoY	0.92% +20.6% YoY	0.95% +18.8% YoY	69%
Loan-to-Deposit Ratio ?	68.86% -14.1% YoY -12.2% QoQ	+4.75%	64.11% -0.9% YoY	69.27% +0.4% YoY	76.69% +0.9% YoY	44%
Non-Interest-Bearing Deposit Share ?	23.06% +12.5% YoY -3.3% QoQ	-0.73%	23.79% +0.5% YoY	22.07% +2.0% YoY	22.01% -1.1% YoY	50%
Nonperforming Asset Ratio ?	0.02% -17.6% YoY -6.2% QoQ	-0.75%	0.77% +28.7% YoY	0.56% +12.7% YoY	0.66% +19.3% YoY	68%
Tier 1 Capital Ratio ?	10.13% +0.4% YoY +0.3% QoQ	-16.65%	26.77% +2.0% YoY	13.00% +1.5% YoY	17.06% +0.8% YoY	Bottom 7.3% in tier
Non-Interest Income / Assets ?	0.09% -19.0% YoY -89.8% QoQ	-0.58%	0.67% +1.6% YoY	0.12% +7.9% YoY	0.32% +4.0% YoY	67%

Get Full Access to Rolette State Bank

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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 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 (0 metrics)

No strength rankings available

Top Weaknesses (1 metrics)

499

Tier 1 Capital Ratio

capital

Value: 10.13%

Peer Median: 26.77%

#499 of 537 Bottom 7.3% in under $100M