BlastPoint's Banking Scorecard
Citizens State Bank of Lankin
Designations: ✓ Community bank
Lankin, ND
4 branches across ND
Citizens State Bank of Lankin shows strong momentum with 3 strengths and 14.3% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.93% above tier average
- + Efficiency Ratio 25.54% below tier average
- + Delinquency Rate 0.26% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$76.9M
+14.3% YoY
+6.6% QoQ
|
+$14.8M |
$62.2M
-0.6% YoY
|
$1.1B
+4.5% YoY
|
$6.2B
+9.1% YoY
|
67% |
| Total Loans ? |
$51.7M
+11.6% YoY
+1.3% QoQ
|
+$17.5M |
$34.2M
-1.4% YoY
|
$779.7M
+5.6% YoY
|
$3.2B
+10.8% YoY
|
79% |
| Total Deposits ? |
$63.6M
+13.5% YoY
+3.8% QoQ
|
+$11.9M |
$51.7M
-0.7% YoY
|
$930.6M
+2.8% YoY
|
$4.8B
+8.2% YoY
|
64% |
| Return on Assets ? |
0.86%
-32.7% YoY
-35.0% QoQ
|
+0.02% |
0.84%
-2.3% YoY
|
1.38%
+15.2% YoY
|
1.23%
+13.4% YoY
|
46% |
| Net Interest Margin ? |
4.79%
+2.8% YoY
-1.6% QoQ
|
+0.93% |
3.86%
+2.8% YoY
|
3.69%
+5.3% YoY
|
3.89%
+5.7% YoY
|
84% |
| Efficiency Ratio ? |
62.80%
-10.8% YoY
-9.3% QoQ
|
-25.54% |
88.34%
+0.3% YoY
|
60.25%
-5.8% YoY
|
66.95%
-4.1% YoY
|
70% |
| Delinquency Rate ? |
1.12%
+554.2% YoY
-25.2% QoQ
|
-0.26% |
1.37%
+33.8% YoY
|
0.92%
+20.6% YoY
|
0.95%
+18.8% YoY
|
33% |
| Loan-to-Deposit Ratio ? |
81.32%
-1.7% YoY
-2.4% QoQ
|
+17.10% |
64.22%
-0.7% YoY
|
69.27%
+0.4% YoY
|
76.70%
+0.9% YoY
|
25% |
| Non-Interest-Bearing Deposit Share ? |
35.94%
-18.0% YoY
-2.3% QoQ
|
+12.23% |
23.71%
+0.3% YoY
|
22.07%
+2.0% YoY
|
22.01%
-1.2% YoY
|
Top 12.6% in tier |
| Nonperforming Asset Ratio ? |
0.75%
+538.9% YoY
-28.8% QoQ
|
-0.04% |
0.79%
+28.2% YoY
|
0.56%
+12.7% YoY
|
0.67%
+19.3% YoY
|
29% |
| Tier 1 Capital Ratio ? |
9.57%
-6.5% YoY
-8.1% QoQ
|
-17.12% |
26.68%
+2.0% YoY
|
13.00%
+1.5% YoY
|
17.06%
+0.8% YoY
|
Bottom 3.9% in tier |
| Non-Interest Income / Assets ? |
0.06%
-27.4% YoY
-80.8% QoQ
|
-0.61% |
0.67%
+1.9% YoY
|
0.12%
+7.9% YoY
|
0.32%
+4.1% YoY
|
47% |
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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.