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 0.92% above tier average
- + Efficiency Ratio 24.83% below tier average
- + Delinquency Rate 0.25% 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
|
+$14.7M |
$62.3M
-0.5% YoY
|
$1.1B
+4.5% YoY
|
$6.2B
+9.0% YoY
|
67% |
| Total Loans ? |
$51.7M
+11.6% YoY
+1.3% QoQ
|
+$17.5M |
$34.3M
-1.5% YoY
|
$779.7M
+5.6% YoY
|
$3.2B
+10.7% YoY
|
79% |
| Total Deposits ? |
$63.6M
+13.5% YoY
+3.8% QoQ
|
+$11.8M |
$51.8M
-0.6% YoY
|
$930.6M
+2.8% YoY
|
$4.8B
+8.0% YoY
|
64% |
| Return on Assets ? |
0.86%
-32.7% YoY
-35.0% QoQ
|
+0.00% |
0.86%
-3.6% YoY
|
1.38%
+15.2% YoY
|
1.24%
+13.1% YoY
|
45% |
| Net Interest Margin ? |
4.79%
+2.8% YoY
-1.6% QoQ
|
+0.92% |
3.87%
+2.7% YoY
|
3.69%
+5.3% YoY
|
3.89%
+5.7% YoY
|
84% |
| Efficiency Ratio ? |
62.80%
-10.8% YoY
-9.3% QoQ
|
-24.83% |
87.63%
+2.3% YoY
|
60.25%
-5.8% YoY
|
66.84%
-3.8% YoY
|
69% |
| Delinquency Rate ? |
1.12%
+554.2% YoY
-25.2% QoQ
|
-0.25% |
1.36%
+33.7% YoY
|
0.92%
+20.6% YoY
|
0.95%
+18.8% YoY
|
33% |
| Loan-to-Deposit Ratio ? |
81.32%
-1.7% YoY
-2.4% QoQ
|
+17.21% |
64.11%
-0.9% YoY
|
69.27%
+0.4% YoY
|
76.69%
+0.9% YoY
|
25% |
| Non-Interest-Bearing Deposit Share ? |
35.94%
-18.0% YoY
-2.3% QoQ
|
+12.16% |
23.79%
+0.5% YoY
|
22.07%
+2.0% YoY
|
22.01%
-1.1% YoY
|
Top 12.7% in tier |
| Nonperforming Asset Ratio ? |
0.75%
+538.9% YoY
-28.8% QoQ
|
-0.02% |
0.77%
+28.7% YoY
|
0.56%
+12.7% YoY
|
0.66%
+19.3% YoY
|
28% |
| Tier 1 Capital Ratio ? |
9.57%
-6.5% YoY
-8.1% QoQ
|
-17.20% |
26.77%
+2.0% YoY
|
13.00%
+1.5% YoY
|
17.06%
+0.8% YoY
|
Bottom 3.7% in tier |
| Non-Interest Income / Assets ? |
0.06%
-27.4% YoY
-80.8% QoQ
|
-0.61% |
0.67%
+1.6% YoY
|
0.12%
+7.9% YoY
|
0.32%
+4.0% 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.