BlastPoint's Banking Scorecard
The Union Bank
Beulah, ND
6 branches across 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 34 in ND.
- Deposits -3.0% year over year ($266.2M on the books).
- Delinquency rate 1.40%.
- Return on assets 1.41%.
- Efficiency ratio 66.18% vs a 64.48% peer average.
- Loan-to-deposit ratio 72.51% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The Union Bank has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.09% above tier average
- + Net Interest Margin 0.36% above tier average
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 16.3% in tier
- - Efficiency Ratio 1.70% above tier average
- - Delinquency Rate 0.48% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$312.2M
+0.8% YoY
-4.1% QoQ
|
-$74.4M |
$386.6M
+1.2% YoY
|
$1.1B
+6.9% YoY
|
$6.3B
+7.7% YoY
|
48% |
| Total Loans ? |
$193.0M
+2.8% YoY
-0.6% QoQ
|
-$65.3M |
$258.3M
+1.7% YoY
|
$805.2M
+6.2% YoY
|
$3.2B
+9.4% YoY
|
47% |
| Total Deposits ? |
$266.2M
-3.0% YoY
-9.5% QoQ
|
-$60.6M |
$326.7M
+0.7% YoY
|
$922.2M
+5.0% YoY
|
$4.9B
+7.3% YoY
|
48% |
| Return on Assets ? |
1.41%
+44.2% YoY
-18.4% QoQ
|
+0.09% |
1.32%
+10.8% YoY
|
1.44%
+8.8% YoY
|
1.30%
+12.1% YoY
|
60% |
| Net Interest Margin ? |
4.35%
+5.6% YoY
+1.4% QoQ
|
+0.36% |
3.99%
+5.0% YoY
|
3.79%
+4.3% YoY
|
3.95%
+4.9% YoY
|
73% |
| Efficiency Ratio ? |
66.18%
-0.1% YoY
-1.8% QoQ
|
+1.70% |
64.48%
-3.2% YoY
|
59.23%
-3.7% YoY
|
70.05%
+2.5% YoY
|
39% |
| Delinquency Rate ? |
1.40%
-38.3% YoY
+0.4% QoQ
|
+0.48% |
0.92%
+15.7% YoY
|
0.86%
+16.6% YoY
|
0.98%
+16.3% YoY
|
20% |
| Loan-to-Deposit Ratio ? |
72.51%
+6.0% YoY
+9.8% QoQ
|
-5.44% |
77.95%
+1.0% YoY
|
73.82%
-0.7% YoY
|
79.03%
+2.3% YoY
|
65% |
| Non-Interest-Bearing Deposit Share ? |
19.25%
+10.5% YoY
+6.8% QoQ
|
-2.78% |
22.03%
-0.6% YoY
|
21.56%
+2.8% YoY
|
21.98%
-0.6% YoY
|
42% |
| Nonperforming Asset Ratio ? |
0.86%
-37.1% YoY
+4.1% QoQ
|
+0.20% |
0.67%
+16.4% YoY
|
0.54%
+8.1% YoY
|
0.69%
+15.8% YoY
|
24% |
| Tier 1 Capital Ratio ? |
10.12%
+6.3% YoY
+5.6% QoQ
|
-5.79% |
15.91%
+1.4% YoY
|
12.90%
+0.7% YoY
|
17.09%
+0.8% YoY
|
Bottom 12.3% in tier |
| Non-Interest Income / Assets ? |
0.09%
-5.9% YoY
+106.4% QoQ
|
-0.47% |
0.57%
+7.6% YoY
|
0.22%
-1.4% YoY
|
0.66%
+5.2% YoY
|
17% |
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 |
19.2%
+1.8pp YoY +1.2pp QoQ |
-2.9pp | 22.1% | 21.6% | 22.2% | 41% |
| Brokered Deposits |
0.2%
-8.0pp YoY -5.1pp QoQ |
-7.7pp | 7.9% | 6.0% | 8.5% | 7% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
4.6%
-1.7pp YoY -0.2pp QoQ |
-7.0pp | 11.6% | 12.9% | 12.5% | 18% |
| CRE |
20.1%
+6.0pp YoY +0.1pp QoQ |
-19.4pp | 39.5% | 29.0% | 41.4% | 18% |
| 1-4 Family |
6.2%
-0.3pp YoY +0.3pp QoQ |
-26.5pp | 32.6% | 12.3% | 31.3% | 6% |
| Consumer |
5.7%
-0.9pp YoY -0.2pp QoQ |
+1.6pp | 4.1% | 4.5% | 5.0% | 81% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 15.3% | 19.7% | n/a |
| Leverage Ratio |
10.1%
+0.6pp YoY +0.5pp QoQ |
-2.0pp | 12.2% | 10.7% | 12.6% | 34% |
| Total Capital Ratio | n/a | n/a | 19.9% | 16.3% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
53
+8 (+17.8%) YoY +7 (+15.2%) QoQ |
-6 | 58 | 138 | 482 | 56% |
| Assets per Employee ($) |
$5.9M
-14.4% YoY -16.7% QoQ |
-$1.6M | $7.5M | $8.3M | $8.8M | 31% |
| Branch Count |
6
0 YoY 0 QoQ |
+1 | 4 | 7 | 18 | 66% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.3pp | 0.3% | 0.5% | 0.4% | 8% |
| Nonaccrual |
1.4%
-0.9pp YoY 0.0pp QoQ |
+0.5pp | 0.9% | 0.7% | 1.0% | 80% |
| Allowance Coverage |
0.79x
+70.9% YoY +3.1% QoQ |
-23.36x | 24.15x | 73.79x | 20.23x | 20% |
| Net Charge-off Rate (YTD) |
0.0%
-0.2pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 30% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
15.5%
+4.1pp YoY -4.1pp QoQ |
+3.3pp | 12.2% | 16.0% | 11.6% | 70% |
| Cost of Funds (YTD) |
1.8%
-0.3pp YoY -0.1pp QoQ |
+0.1pp | 1.7% | 1.7% | 1.7% | 57% |
| Net Income ($, YTD) |
$2.3M
+53.3% YoY — QoQ |
-$291K | $2.6M | $7.0M | $40.4M | 58% |
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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 (1)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.