BlastPoint's Banking Scorecard
Garfield County Bank
Micro
Specialty: Agricultural
MT
FDIC cert 18164
Designations: ✓ Community bank
Jordan, MT
2498
banks in Micro tier nationally
24 in MT
View Micro leaderboard (MT) →
Garfield County Bank faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Delinquency Rate 4.97% above tier
- - Nonperforming Asset Ratio 2.10% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$104.4M
+12.5% YoY
+11.4% QoQ
|
-$113.1M |
$217.5M
+2.3% YoY
|
$2.3B
+6.6% YoY
|
$5.9B
+6.5% YoY
|
24% |
| Total Loans ? |
$47.5M
-4.2% YoY
-7.0% QoQ
|
-$91.6M |
$139.2M
+2.8% YoY
|
$1.4B
+6.9% YoY
|
$3.1B
+8.5% YoY
|
18% |
| Total Deposits ? |
$87.5M
+13.4% YoY
+14.2% QoQ
|
-$96.2M |
$183.7M
+1.8% YoY
|
$1.8B
+10.2% YoY
|
$4.7B
+6.3% YoY
|
24% |
| Return on Assets ? |
1.28%
-11.8% YoY
+5.3% QoQ
|
+0.20% |
1.08%
+14.7% YoY
|
1.41%
+20.5% YoY
|
1.12%
+15.6% YoY
|
64% |
| Net Interest Margin ? |
4.17%
-9.5% YoY
-1.1% QoQ
|
+0.32% |
3.85%
+6.6% YoY
|
4.09%
+7.2% YoY
|
3.75%
+7.1% YoY
|
67% |
| Efficiency Ratio ? |
58.51%
+10.7% YoY
-4.4% QoQ
|
-9.22% |
67.73%
-4.8% YoY
|
60.30%
-5.3% YoY
|
65.09%
-5.1% YoY
|
71% |
| Delinquency Rate ? |
5.61%
+276.1% YoY
-7.7% QoQ
|
+4.97% |
0.64%
+24.4% YoY
|
0.74%
+59.7% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
54.36%
-15.5% YoY
-18.6% QoQ
|
-20.17% |
74.53%
+0.5% YoY
|
70.96%
-2.3% YoY
|
78.04%
+0.7% YoY
|
82% |
| Non-Interest-Bearing Deposit Share ? |
22.63%
-4.0% YoY
-7.7% QoQ
|
+0.23% |
22.39%
-1.3% YoY
|
26.17%
-4.3% YoY
|
21.79%
-1.3% YoY
|
54% |
| Nonperforming Asset Ratio ? |
2.56%
+220.1% YoY
-23.0% QoQ
|
+2.10% |
0.45%
+25.1% YoY
|
0.55%
+73.8% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
9.31%
+9.3% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.21%
-34.0% YoY
+22.2% QoQ
|
-0.35% |
0.56%
+0.3% YoY
|
0.39%
-27.3% YoY
|
0.65%
+0.6% YoY
|
26% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Delinquency Rate
metric
Bottom 1%
in Micro
Why this stands out
Current:
5.61%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
2.56%
(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
82
82th pctile
Loan-to-Deposit Ratio
Current: 54.36% · Tier avg: 74.53%
71
71th pctile
Efficiency Ratio
Current: 58.51% · Tier avg: 67.73%
67
67th pctile
Net Interest Margin
Current: 4.17% · Tier avg: 3.85%
64
64th pctile
Return on Assets
Current: 1.28% · Tier avg: 1.08%
54
54th pctile
Non-Interest-Bearing Deposit Share
Current: 22.63% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
26
26th pctile
Non-Interest Income / Assets
Current: 0.21% · Tier avg: 0.56%
24
24th pctile
Total Deposits
Current: $87.5M · Tier avg: $183.7M
24
24th pctile
Total Assets
Current: $104.4M · Tier avg: $217.5M
18
18th pctile
Total Loans
Current: $47.5M · Tier avg: $139.2M
0
0th pctile
Delinquency Rate
Current: 5.61% · Tier avg: 0.64%
0
0th pctile
Nonperforming Asset Ratio
Current: 2.56% · Tier avg: 0.45%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 2.56% · Tier avg: 0.45%
0
0th pctile
Delinquency Rate
Current: 5.61% · Tier avg: 0.64%
18
18th pctile
Total Loans
Current: $47.5M · Tier avg: $139.2M
24
24th pctile
Total Assets
Current: $104.4M · Tier avg: $217.5M
24
24th pctile
Total Deposits
Current: $87.5M · Tier avg: $183.7M
26
26th pctile
Non-Interest Income / Assets
Current: 0.21% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
54
54th pctile
Non-Interest-Bearing Deposit Share
Current: 22.63% · Tier avg: 22.39%
64
64th pctile
Return on Assets
Current: 1.28% · Tier avg: 1.08%
67
67th pctile
Net Interest Margin
Current: 4.17% · Tier avg: 3.85%
71
71th pctile
Efficiency Ratio
Current: 58.51% · Tier avg: 67.73%
82
82th pctile
Loan-to-Deposit Ratio
Current: 54.36% · Tier avg: 74.53%