BlastPoint's Banking Scorecard
Citizens State Bank of Lankin
Designations: ✓ Community bank
Lankin, ND
4 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 536 banks in the under $100M peer group nationwide — 1 of 13 in ND.
- Deposits +10.4% year over year ($61.4M on the books).
- Delinquency rate 1.59%.
- Return on assets 1.17%.
- Efficiency ratio 67.06% vs a 119.40% peer average.
- Loan-to-deposit ratio 85.57% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Citizens State Bank of Lankin has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.17% above tier average
- + Net Interest Margin 0.95% above tier average
- + Efficiency Ratio 52.33% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 0.11% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$72.1M
+4.5% YoY
-6.3% QoQ
|
+$9.7M |
$62.4M
-0.0% YoY
|
$1.1B
+6.9% YoY
|
$6.3B
+7.7% YoY
|
59% |
| Total Loans ? |
$52.6M
+6.6% YoY
+1.6% QoQ
|
+$17.7M |
$34.9M
-0.6% YoY
|
$805.2M
+6.2% YoY
|
$3.2B
+9.4% YoY
|
79% |
| Total Deposits ? |
$61.4M
+10.4% YoY
-3.5% QoQ
|
+$9.8M |
$51.6M
-0.2% YoY
|
$922.2M
+5.0% YoY
|
$4.9B
+7.3% YoY
|
62% |
| Return on Assets ? |
1.17%
+1.8% YoY
+35.9% QoQ
|
+0.17% |
1.00%
+3.5% YoY
|
1.44%
+8.8% YoY
|
1.30%
+12.1% YoY
|
60% |
| Net Interest Margin ? |
4.86%
+3.1% YoY
+1.6% QoQ
|
+0.95% |
3.91%
+2.3% YoY
|
3.79%
+4.3% YoY
|
3.95%
+4.9% YoY
|
84% |
| Efficiency Ratio ? |
67.06%
-2.2% YoY
+6.8% QoQ
|
-52.33% |
119.40%
+49.6% YoY
|
59.23%
-3.7% YoY
|
70.05%
+2.5% YoY
|
59% |
| Delinquency Rate ? |
1.59%
+710.2% YoY
+43.0% QoQ
|
+0.11% |
1.48%
+31.8% YoY
|
0.86%
+16.6% YoY
|
0.98%
+16.3% YoY
|
26% |
| Loan-to-Deposit Ratio ? |
85.57%
-3.4% YoY
+5.2% QoQ
|
+11.36% |
74.21%
+12.6% YoY
|
73.82%
-0.7% YoY
|
79.03%
+2.3% YoY
|
21% |
| Non-Interest-Bearing Deposit Share ? |
34.76%
-19.8% YoY
-3.3% QoQ
|
+11.27% |
23.49%
+0.6% YoY
|
21.56%
+2.8% YoY
|
21.98%
-0.6% YoY
|
Top 14.9% in tier |
| Nonperforming Asset Ratio ? |
1.16%
+726.9% YoY
+54.9% QoQ
|
+0.33% |
0.84%
+23.0% YoY
|
0.54%
+8.1% YoY
|
0.69%
+15.8% YoY
|
21% |
| Tier 1 Capital Ratio ? |
10.13%
+0.1% YoY
+5.9% QoQ
|
-16.99% |
27.13%
+3.0% YoY
|
12.90%
+0.7% YoY
|
17.09%
+0.8% YoY
|
Bottom 7.3% in tier |
| Non-Interest Income / Assets ? |
0.10%
-37.0% YoY
+77.0% QoQ
|
-1.28% |
1.38%
+6.3% YoY
|
0.22%
-1.4% YoY
|
0.66%
+5.2% YoY
|
40% |
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 |
34.8%
-8.6pp YoY -1.2pp QoQ |
+10.1pp | 24.6% | 21.6% | 22.2% | 84% |
| Brokered Deposits |
9.9%
+0.9pp YoY +0.3pp QoQ |
+0.2pp | 9.8% | 6.0% | 8.5% | 67% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
10.6%
+1.1pp YoY +0.4pp QoQ |
-2.8pp | 13.4% | 12.9% | 12.5% | 53% |
| CRE | n/a | n/a | 25.2% | 29.0% | 41.4% | n/a |
| 1-4 Family |
21.8%
+2.7pp YoY +0.3pp QoQ |
-13.1pp | 35.0% | 12.3% | 31.3% | 39% |
| Consumer |
9.4%
+3.4pp YoY -0.6pp QoQ |
+1.7pp | 7.7% | 4.5% | 5.0% | 76% |
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 |
10.1%
0.0pp YoY +0.6pp QoQ |
-7.6pp | 17.7% | 10.7% | 12.6% | 20% |
| 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 |
14
+1 (+7.7%) YoY 0 QoQ |
+2 | 12 | 138 | 482 | 67% |
| Assets per Employee ($) |
$5.2M
-3.0% YoY -6.3% QoQ |
-$1.0M | $6.2M | $8.3M | $8.8M | 39% |
| Branch Count |
4
0 YoY 0 QoQ |
+2 | 1 | 7 | 18 | 96% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.6%
+0.4pp YoY +0.5pp QoQ |
-0.4pp | 1.0% | 0.5% | 0.4% | 54% |
| Nonaccrual |
1.0%
0.0pp QoQ |
-0.7pp | 1.7% | 0.7% | 1.0% | 57% |
| Allowance Coverage |
0.49x
-85.0% YoY -29.8% QoQ |
-5.92x | 6.41x | 73.79x | 20.23x | 20% |
| Net Charge-off Rate (YTD) |
0.2%
0.0pp YoY -0.2pp QoQ |
+0.1pp | 0.2% | 0.1% | 0.2% | 81% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
13.9%
-1.6pp YoY +3.4pp QoQ |
+7.5pp | 6.4% | 16.0% | 11.6% | 81% |
| Cost of Funds (YTD) |
1.7%
-0.1pp YoY 0.0pp QoQ |
+0.2pp | 1.4% | 1.7% | 1.7% | 65% |
| Net Income ($, YTD) |
$430,000
+10.5% YoY — QoQ |
+$112K | $317,817 | $7.0M | $40.4M | 66% |
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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.