BlastPoint's Banking Scorecard

State Bank of Bottineau

$100M-$1B Specialty: Agricultural ND FDIC cert 9121

Bottineau, ND

2664 banks in the $100M-$1B peer group nationally 35 in ND

State Bank of Bottineau has 2 strengths but faces 5 concerns

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

+ Delinquency Rate 0.89% below tier average
+ Nonperforming Asset Ratio 0.64% below tier average

Key Concerns

Areas that may need attention

- Deposit Outflow: Bottom 10.1% in tier
- Liquidity Strain: Bottom 11.7% in tier
- Margin Compression: Bottom 22.3% in tier
- Cost Spiral: Bottom 42.1% in tier
- Capital Thin: Bottom 48.0% in tier

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (ND)	National Avg	Tier Percentile
Total Assets ?	$116.9M +5.5% YoY -2.2% QoQ	-$269.2M	$386.1M +0.5% YoY	$1.1B +4.5% YoY	$6.2B +9.1% YoY	Bottom 5.0% in tier
Total Loans ?	$92.7M -0.5% YoY -4.8% QoQ	-$163.0M	$255.7M +1.1% YoY	$779.7M +5.6% YoY	$3.2B +10.8% YoY	17%
Total Deposits ?	$98.4M -0.5% YoY -2.1% QoQ	-$229.6M	$328.0M +0.1% YoY	$930.6M +2.8% YoY	$4.8B +8.2% YoY	Bottom 5.1% in tier
Return on Assets ?	1.16% -23.7% YoY -19.6% QoQ	-0.11%	1.27% +12.9% YoY	1.38% +15.2% YoY	1.23% +13.4% YoY	47%
Net Interest Margin ?	3.94% -6.7% YoY -8.8% QoQ	+0.01%	3.93% +6.0% YoY	3.69% +5.3% YoY	3.89% +5.7% YoY	54%
Efficiency Ratio ?	67.26% +10.0% YoY +8.5% QoQ	+1.98%	65.29% -4.5% YoY	60.25% -5.8% YoY	66.95% -4.1% YoY	39%
Delinquency Rate ?	0.00% -100.0% YoY	-0.89%	0.89% +18.8% YoY	0.92% +20.6% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	94.23% +0.0% YoY -2.8% QoQ	+17.59%	76.64% +0.8% YoY	69.27% +0.4% YoY	76.70% +0.9% YoY	16%
Non-Interest-Bearing Deposit Share ?	22.55% -16.4% YoY -12.1% QoQ	+0.53%	22.02% -1.0% YoY	22.07% +2.0% YoY	22.01% -1.2% YoY	57%
Nonperforming Asset Ratio ?	0.00% -100.0% YoY	-0.64%	0.64% +19.7% YoY	0.56% +12.7% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	10.32% +2.7% YoY -1.6% QoQ	-5.51%	15.83% +1.5% YoY	13.00% +1.5% YoY	17.06% +0.8% YoY	Bottom 14.0% in tier
Non-Interest Income / Assets ?	0.06% -23.3% YoY -77.0% QoQ	-0.22%	0.28% +9.3% YoY	0.12% +7.9% YoY	0.32% +4.1% YoY	24%

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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 (5)

Deposit Outflow

decline

#52 of 506 • Bottom 10.1% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

506 of 506 Community banks match · 656 nationally

→ Stable -8 banks QoQ

Liquidity Strain

risk

#76 of 643 • Bottom 11.7% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 94.23%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank improving

Margin Compression

decline

#69 of 305 • Bottom 22.3% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature

Return on Assets: 1.16%

(Tier: 1.27%, National: 1.23%)

worse than tier avg

305 of 305 Community banks match · 407 nationally

↑ Growing +94 banks QoQ

Cost Spiral

risk

#54 of 126 • Bottom 42.1% in tier

Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.

Why this signature

Efficiency Ratio: 67.26%

(Tier: 65.29%, National: 66.95%)

worse than tier avg

126 of 126 Community banks match · 176 nationally

↑ Growing +82 banks QoQ

Capital Thin

risk

#321 of 666 • Bottom 48.0% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 10.32%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

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 2664 peers in $100M-$1B

Top Strengths (2 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 2654 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.64%

#1 of 2664 Top 0.1% in $100M-$1B

Top Weaknesses (6 metrics)

2532

Total Assets

size

Value: $116.86M

Peer Median: $386.08M

#2532 of 2664 Bottom 5.0% in $100M-$1B

2529

Total Deposits

size

Value: $98.36M

Peer Median: $327.97M

#2529 of 2664 Bottom 5.1% in $100M-$1B

2291

Tier 1 Capital Ratio

capital

Value: 10.32%

Peer Median: 15.83%

#2291 of 2664 Bottom 14.0% in $100M-$1B

2233

Loan-to-Deposit Ratio

liquidity

Value: 94.23%

Peer Median: 76.64%

#2233 of 2664 Bottom 16.2% in $100M-$1B

2218

Total Loans

size

Value: $92.68M

Peer Median: $255.72M

#2218 of 2664 Bottom 16.8% in $100M-$1B

2015

Non-Interest Income / Assets

revenue_mix

Value: 0.06%

Peer Median: 0.28%

#2015 of 2664 Bottom 24.4% in $100M-$1B