BlastPoint's Banking Scorecard
Global One Bank
Micro
Specialty: Commercial
TX
FDIC cert 11570
Designations: ✓ Community bank
Houston, TX
2498
banks in Micro tier nationally
193 in TX
View Micro leaderboard (TX) →
Global One Bank shows strong momentum with 4 strengths and 40.0% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 18.43% below tier
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% below tier
- + Non-Interest Income / Assets 0.97% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$314.7M
+40.0% YoY
+7.0% QoQ
|
+$97.2M |
$217.5M
+2.3% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
75% |
| Total Loans ? |
$239.7M
+45.1% YoY
+4.2% QoQ
|
+$100.5M |
$139.2M
+2.8% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
83% |
| Total Deposits ? |
$257.1M
+42.1% YoY
+7.3% QoQ
|
+$73.4M |
$183.7M
+1.8% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
73% |
| Return on Assets ? |
1.73%
+254.1% YoY
+14.4% QoQ
|
+0.65% |
1.08%
+14.7% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
83% |
| Net Interest Margin ? |
4.14%
+0.7% YoY
+1.4% QoQ
|
+0.29% |
3.85%
+6.6% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
65% |
| Efficiency Ratio ? |
49.29%
-32.8% YoY
-4.6% QoQ
|
-18.43% |
67.73%
-4.8% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
Top 9% in tier |
| Delinquency Rate ? |
0.00%
-100.0% YoY
|
-0.64% |
0.64%
+24.4% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
93.22%
+2.1% YoY
-2.9% QoQ
|
+18.70% |
74.53%
+0.5% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
83% |
| Non-Interest-Bearing Deposit Share ? |
11.26%
-19.4% YoY
-14.0% QoQ
|
-11.13% |
22.39%
-1.3% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Bottom 14% in tier |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
|
-0.45% |
0.45%
+25.1% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
18.06%
-10.7% YoY
+1.1% QoQ
|
+9.20% |
8.85%
-3.4% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
82% |
| Non-Interest Income / Assets ? |
1.53%
+85.2% YoY
+48.6% QoQ
|
+0.97% |
0.56%
+0.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
Top 4% in tier |
Signature Analysis
Strengths (4)
Efficiency Ratio
metric
Top 9%
in Micro
Why this stands out
Current:
49.29%
(Tier avg: 67.73%, National avg: 65.09%)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Non-Interest Income / Assets
metric
Top 4%
in Micro
Why this stands out
Current:
1.53%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
96
96th pctile
Non-Interest Income / Assets
Current: 1.53% · Tier avg: 0.56%
91
91th pctile
Efficiency Ratio
Current: 49.29% · Tier avg: 67.73%
83
83th pctile
Return on Assets
Current: 1.73% · Tier avg: 1.08%
83
83th pctile
Loan-to-Deposit Ratio
Current: 93.22% · Tier avg: 74.53%
83
83th pctile
Total Loans
Current: $239.7M · Tier avg: $139.2M
82
82th pctile
Tier 1 Capital Ratio
Current: 18.06% · Tier avg: 8.85%
75
75th pctile
Total Assets
Current: $314.7M · Tier avg: $217.5M
73
73th pctile
Total Deposits
Current: $257.1M · Tier avg: $183.7M
65
65th pctile
Net Interest Margin
Current: 4.14% · Tier avg: 3.85%
14
14th pctile
Non-Interest-Bearing Deposit Share
Current: 11.26% · Tier avg: 22.39%
Top Weaknesses
14
14th pctile
Non-Interest-Bearing Deposit Share
Current: 11.26% · Tier avg: 22.39%
65
65th pctile
Net Interest Margin
Current: 4.14% · Tier avg: 3.85%
73
73th pctile
Total Deposits
Current: $257.1M · Tier avg: $183.7M
75
75th pctile
Total Assets
Current: $314.7M · Tier avg: $217.5M
82
82th pctile
Tier 1 Capital Ratio
Current: 18.06% · Tier avg: 8.85%
83
83th pctile
Total Loans
Current: $239.7M · Tier avg: $139.2M
83
83th pctile
Loan-to-Deposit Ratio
Current: 93.22% · Tier avg: 74.53%
83
83th pctile
Return on Assets
Current: 1.73% · Tier avg: 1.08%
91
91th pctile
Efficiency Ratio
Current: 49.29% · Tier avg: 67.73%
96
96th pctile
Non-Interest Income / Assets
Current: 1.53% · Tier avg: 0.56%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%