BlastPoint's Banking Scorecard
Grant County State Bank
Micro
Specialty: Other
IN
FDIC cert 15687
Designations: ✓ Community bank
Swayzee, IN
2498
banks in Micro tier nationally
49 in IN
View Micro leaderboard (IN) →
Grant County State Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.90% above tier
- + Efficiency Ratio 45.82% below tier
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 24.57% above tier
- - Nonperforming Asset Ratio 1.26% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$388.6M
+8.8% YoY
+1.0% QoQ
|
+$171.1M |
$217.5M
+2.3% YoY
|
$2.4B
+12.3% YoY
|
$5.9B
+6.5% YoY
|
Top 13% in tier |
| Total Loans ? |
$305.9M
+8.5% YoY
-2.8% QoQ
|
+$166.7M |
$139.2M
+2.8% YoY
|
$1.7B
+13.4% YoY
|
$3.1B
+8.5% YoY
|
Top 7% in tier |
| Total Deposits ? |
$308.7M
+12.1% YoY
+1.7% QoQ
|
+$125.0M |
$183.7M
+1.8% YoY
|
$1.9B
+12.7% YoY
|
$4.7B
+6.3% YoY
|
83% |
| Return on Assets ? |
2.99%
-10.3% YoY
-6.3% QoQ
|
+1.90% |
1.08%
+14.7% YoY
|
1.01%
+19.7% YoY
|
1.12%
+15.6% YoY
|
Top 2% in tier |
| Net Interest Margin ? |
4.30%
-3.0% YoY
+0.2% QoQ
|
+0.44% |
3.85%
+6.6% YoY
|
3.50%
+10.2% YoY
|
3.75%
+7.1% YoY
|
72% |
| Efficiency Ratio ? |
21.90%
+0.7% YoY
-1.6% QoQ
|
-45.82% |
67.73%
-4.8% YoY
|
67.50%
-4.6% YoY
|
65.09%
-5.1% YoY
|
Top 1% in tier |
| Delinquency Rate ? |
2.12%
+2.6% YoY
-2.1% QoQ
|
+1.48% |
0.64%
+24.4% YoY
|
0.77%
+9.8% YoY
|
0.66%
+20.3% YoY
|
Bottom 12% in tier |
| Loan-to-Deposit Ratio ? |
99.10%
-3.2% YoY
-4.4% QoQ
|
+24.57% |
74.53%
+0.5% YoY
|
82.11%
+1.7% YoY
|
78.04%
+0.7% YoY
|
Bottom 10% in tier |
| Non-Interest-Bearing Deposit Share ? |
13.40%
-5.5% YoY
+8.1% QoQ
|
-9.00% |
22.39%
-1.3% YoY
|
16.86%
-1.9% YoY
|
21.79%
-1.3% YoY
|
18% |
| Nonperforming Asset Ratio ? |
1.71%
+4.9% YoY
-5.1% QoQ
|
+1.26% |
0.45%
+25.1% YoY
|
0.58%
+19.3% YoY
|
0.48%
+20.8% YoY
|
Bottom 9% in tier |
| Tier 1 Capital Ratio ? |
17.60%
-11.7% YoY
+1.1% QoQ
|
+8.75% |
8.85%
-3.4% YoY
|
9.17%
+0.4% YoY
|
9.75%
-1.9% YoY
|
81% |
| Non-Interest Income / Assets ? |
0.14%
-8.3% YoY
+30.4% QoQ
|
-0.42% |
0.56%
+0.3% YoY
|
0.62%
-11.1% YoY
|
0.65%
+0.6% YoY
|
Bottom 13% in tier |
Signature Analysis
Strengths (2)
Return on Assets
metric
Top 2%
in Micro
Why this stands out
Current:
2.99%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
21.90%
(Tier avg: 67.73%, National avg: 65.09%)
Concerns (2)
Loan-to-Deposit Ratio
metric
Bottom 10%
in Micro
Why this stands out
Current:
99.10%
(Tier avg: 74.53%, National avg: 78.04%)
Nonperforming Asset Ratio
metric
Bottom 9%
in Micro
Why this stands out
Current:
1.71%
(Tier avg: 0.45%, National avg: 0.48%)
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
Efficiency Ratio
Current: 21.90% · Tier avg: 67.73%
98
98th pctile
Return on Assets
Current: 2.99% · Tier avg: 1.08%
93
93th pctile
Total Loans
Current: $305.9M · Tier avg: $139.2M
87
87th pctile
Total Assets
Current: $388.6M · Tier avg: $217.5M
83
83th pctile
Total Deposits
Current: $308.7M · Tier avg: $183.7M
81
81th pctile
Tier 1 Capital Ratio
Current: 17.60% · Tier avg: 8.85%
72
72th pctile
Net Interest Margin
Current: 4.30% · Tier avg: 3.85%
18
18th pctile
Non-Interest-Bearing Deposit Share
Current: 13.40% · Tier avg: 22.39%
13
13th pctile
Non-Interest Income / Assets
Current: 0.14% · Tier avg: 0.56%
12
12th pctile
Delinquency Rate
Current: 2.12% · Tier avg: 0.64%
10
10th pctile
Loan-to-Deposit Ratio
Current: 99.10% · Tier avg: 74.53%
9
9th pctile
Nonperforming Asset Ratio
Current: 1.71% · Tier avg: 0.45%
Top Weaknesses
9
9th pctile
Nonperforming Asset Ratio
Current: 1.71% · Tier avg: 0.45%
10
10th pctile
Loan-to-Deposit Ratio
Current: 99.10% · Tier avg: 74.53%
12
12th pctile
Delinquency Rate
Current: 2.12% · Tier avg: 0.64%
13
13th pctile
Non-Interest Income / Assets
Current: 0.14% · Tier avg: 0.56%
18
18th pctile
Non-Interest-Bearing Deposit Share
Current: 13.40% · Tier avg: 22.39%
72
72th pctile
Net Interest Margin
Current: 4.30% · Tier avg: 3.85%
81
81th pctile
Tier 1 Capital Ratio
Current: 17.60% · Tier avg: 8.85%
83
83th pctile
Total Deposits
Current: $308.7M · Tier avg: $183.7M
87
87th pctile
Total Assets
Current: $388.6M · Tier avg: $217.5M
93
93th pctile
Total Loans
Current: $305.9M · Tier avg: $139.2M
98
98th pctile
Return on Assets
Current: 2.99% · Tier avg: 1.08%
100
100th pctile
Efficiency Ratio
Current: 21.90% · Tier avg: 67.73%