BlastPoint's Banking Scorecard
Rolette State Bank
Designations: ✓ Community bank
Rolette, 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 +9.3% year over year ($46.0M on the books).
- Delinquency rate 0.04%.
- Return on assets 1.54%.
- Efficiency ratio 67.22% vs a 119.40% peer average.
- Loan-to-deposit ratio 80.41% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Rolette State Bank shows strong momentum with 4 strengths and 9.0% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.54% above tier average
- + Net Interest Margin 0.77% above tier average
- + Efficiency Ratio 52.17% below tier average
- + Delinquency Rate 1.44% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$51.5M
+9.0% YoY
-1.9% QoQ
|
-$10.9M |
$62.4M
-0.0% YoY
|
$1.1B
+6.9% YoY
|
$6.3B
+7.7% YoY
|
33% |
| Total Loans ? |
$37.0M
+4.6% YoY
+14.2% QoQ
|
+$2.1M |
$34.9M
-0.6% YoY
|
$805.2M
+6.2% YoY
|
$3.2B
+9.4% YoY
|
57% |
| Total Deposits ? |
$46.0M
+9.3% YoY
-2.2% QoQ
|
-$5.6M |
$51.6M
-0.2% YoY
|
$922.2M
+5.0% YoY
|
$4.9B
+7.3% YoY
|
38% |
| Return on Assets ? |
1.54%
-32.5% YoY
+8.7% QoQ
|
+0.54% |
1.00%
+3.5% YoY
|
1.44%
+8.8% YoY
|
1.30%
+12.1% YoY
|
76% |
| Net Interest Margin ? |
4.68%
-6.4% YoY
+8.1% QoQ
|
+0.77% |
3.91%
+2.3% YoY
|
3.79%
+4.3% YoY
|
3.95%
+4.9% YoY
|
80% |
| Efficiency Ratio ? |
67.22%
+14.3% YoY
+0.0% QoQ
|
-52.17% |
119.40%
+49.6% YoY
|
59.23%
-3.7% YoY
|
70.05%
+2.5% YoY
|
58% |
| Delinquency Rate ? |
0.04%
+10.3% YoY
+9.5% QoQ
|
-1.44% |
1.48%
+31.8% YoY
|
0.86%
+16.6% YoY
|
0.98%
+16.3% YoY
|
70% |
| Loan-to-Deposit Ratio ? |
80.41%
-4.3% YoY
+16.8% QoQ
|
+6.20% |
74.21%
+12.6% YoY
|
73.82%
-0.7% YoY
|
79.03%
+2.3% YoY
|
29% |
| Non-Interest-Bearing Deposit Share ? |
24.26%
+0.5% YoY
+5.2% QoQ
|
+0.77% |
23.49%
+0.6% YoY
|
21.56%
+2.8% YoY
|
21.98%
-0.6% YoY
|
55% |
| Nonperforming Asset Ratio ? |
0.03%
+5.9% YoY
+27.4% QoQ
|
-0.81% |
0.84%
+23.0% YoY
|
0.54%
+8.1% YoY
|
0.69%
+15.8% YoY
|
68% |
| Tier 1 Capital Ratio ? |
9.87%
-4.8% YoY
-2.6% QoQ
|
-17.26% |
27.13%
+3.0% YoY
|
12.90%
+0.7% YoY
|
17.09%
+0.8% YoY
|
Bottom 5.0% in tier |
| Non-Interest Income / Assets ? |
0.20%
-70.0% YoY
+116.4% QoQ
|
-1.18% |
1.38%
+6.3% YoY
|
0.22%
-1.4% YoY
|
0.66%
+5.2% YoY
|
71% |
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 |
24.3%
+0.1pp YoY +1.2pp QoQ |
-0.4pp | 24.6% | 21.6% | 22.2% | 52% |
| 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 |
15.0%
-0.6pp YoY +2.3pp QoQ |
+1.6pp | 13.4% | 12.9% | 12.5% | 69% |
| CRE | n/a | n/a | 25.2% | 29.0% | 41.4% | n/a |
| 1-4 Family |
1.2%
-0.2pp YoY -0.2pp QoQ |
-33.8pp | 35.0% | 12.3% | 31.3% | 7% |
| Consumer |
2.0%
-0.2pp YoY -0.5pp QoQ |
-5.6pp | 7.7% | 4.5% | 5.0% | 23% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 15.3% | 19.7% | n/a |
| Leverage Ratio |
9.9%
-0.5pp YoY -0.3pp QoQ |
-7.8pp | 17.7% | 10.7% | 12.6% | 17% |
| Total Capital Ratio | n/a | n/a | 39.7% | 16.3% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
10
0 YoY 0 QoQ |
-2 | 12 | 138 | 482 | 43% |
| Assets per Employee ($) |
$5.2M
+9.0% YoY -1.9% QoQ |
-$1.0M | $6.2M | $8.3M | $8.8M | 39% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 7 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.5% | 0.4% | n/a |
| Nonaccrual |
0.0%
0.0pp YoY 0.0pp QoQ |
-1.7pp | 1.7% | 0.7% | 1.0% | 5% |
| Allowance Coverage |
24.60x
+15.5% YoY -22.1% QoQ |
+18.19x | 6.41x | 73.79x | 20.23x | 94% |
| Net Charge-off Rate (YTD) |
-0.0%
-0.1pp YoY |
-0.2pp | 0.2% | 0.1% | 0.2% | 31% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
15.4%
-7.6pp YoY +1.1pp QoQ |
+9.0pp | 6.4% | 16.0% | 11.6% | 85% |
| Cost of Funds (YTD) |
1.6%
-0.1pp YoY 0.0pp QoQ |
+0.2pp | 1.4% | 1.7% | 1.7% | 64% |
| Net Income ($, YTD) |
$393,000
-26.4% YoY — QoQ |
+$75K | $317,817 | $7.0M | $40.4M | 62% |
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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.