BlastPoint's Banking Scorecard
Grand Timber Bank
Micro
Specialty: Commercial
MN
FDIC cert 18719
Designations: ✓ Community bank
Mcgregor, MN
2498
banks in Micro tier nationally
179 in MN
View Micro leaderboard (MN) →
Grand Timber Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 2.25% above tier
- + Loan-to-Deposit Ratio 31.32% above tier
Key Concerns
Areas that may need attention
- - Delinquency Rate 2.44% above tier
- - Nonperforming Asset Ratio 2.24% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$63.8M
+6.3% YoY
+0.9% QoQ
|
-$153.7M |
$217.5M
+2.3% YoY
|
$508.2M
+6.2% YoY
|
$5.9B
+6.5% YoY
|
Bottom 11% in tier |
| Total Loans ? |
$55.6M
+8.3% YoY
+3.9% QoQ
|
-$83.6M |
$139.2M
+2.8% YoY
|
$283.0M
+6.2% YoY
|
$3.1B
+8.5% YoY
|
23% |
| Total Deposits ? |
$52.5M
+6.1% YoY
+1.5% QoQ
|
-$131.1M |
$183.7M
+1.8% YoY
|
$438.4M
+5.3% YoY
|
$4.7B
+6.3% YoY
|
Bottom 11% in tier |
| Return on Assets ? |
1.46%
-1.5% YoY
-4.1% QoQ
|
+0.38% |
1.08%
+14.7% YoY
|
1.11%
+14.5% YoY
|
1.12%
+15.6% YoY
|
73% |
| Net Interest Margin ? |
6.11%
+8.3% YoY
+0.4% QoQ
|
+2.25% |
3.85%
+6.6% YoY
|
3.81%
+8.2% YoY
|
3.75%
+7.1% YoY
|
Top 2% in tier |
| Efficiency Ratio ? |
60.48%
+5.5% YoY
-0.1% QoQ
|
-7.24% |
67.73%
-4.8% YoY
|
65.34%
-5.0% YoY
|
65.09%
-5.1% YoY
|
66% |
| Delinquency Rate ? |
3.08%
+13.2% YoY
+0.4% QoQ
|
+2.44% |
0.64%
+24.4% YoY
|
0.65%
+17.8% YoY
|
0.66%
+20.3% YoY
|
Bottom 7% in tier |
| Loan-to-Deposit Ratio ? |
105.85%
+2.0% YoY
+2.4% QoQ
|
+31.32% |
74.53%
+0.5% YoY
|
76.97%
-0.8% YoY
|
78.04%
+0.7% YoY
|
Top 5% in tier |
| Non-Interest-Bearing Deposit Share ? |
31.10%
-1.9% YoY
-4.8% QoQ
|
+8.71% |
22.39%
-1.3% YoY
|
21.89%
-2.6% YoY
|
21.79%
-1.3% YoY
|
82% |
| Nonperforming Asset Ratio ? |
2.69%
+15.3% YoY
-1.3% QoQ
|
+2.24% |
0.45%
+25.1% YoY
|
0.46%
+7.5% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? |
13.54%
-3.2% YoY
+1.0% QoQ
|
+4.69% |
8.85%
-3.4% YoY
|
11.33%
-0.2% YoY
|
9.75%
-1.9% YoY
|
66% |
| Non-Interest Income / Assets ? |
0.15%
-57.9% YoY
+31.6% QoQ
|
-0.42% |
0.56%
+0.3% YoY
|
0.50%
+4.9% YoY
|
0.65%
+0.6% YoY
|
Bottom 14% in tier |
Signature Analysis
Strengths (2)
Net Interest Margin
metric
Top 2%
in Micro
Why this stands out
Current:
6.11%
(Tier avg: 3.85%, National avg: 3.75%)
Loan-to-Deposit Ratio
metric
Top 5%
in Micro
Why this stands out
Current:
105.85%
(Tier avg: 74.53%, National avg: 78.04%)
Concerns (2)
Delinquency Rate
metric
Bottom 7%
in Micro
Why this stands out
Current:
3.08%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
2.69%
(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
98
98th pctile
Net Interest Margin
Current: 6.11% · Tier avg: 3.85%
95
95th pctile
Loan-to-Deposit Ratio
Current: 105.85% · Tier avg: 74.53%
82
82th pctile
Non-Interest-Bearing Deposit Share
Current: 31.10% · Tier avg: 22.39%
73
73th pctile
Return on Assets
Current: 1.46% · Tier avg: 1.08%
66
66th pctile
Efficiency Ratio
Current: 60.48% · Tier avg: 67.73%
66
66th pctile
Tier 1 Capital Ratio
Current: 13.54% · Tier avg: 8.85%
23
23th pctile
Total Loans
Current: $55.6M · Tier avg: $139.2M
14
14th pctile
Non-Interest Income / Assets
Current: 0.15% · Tier avg: 0.56%
11
11th pctile
Total Assets
Current: $63.8M · Tier avg: $217.5M
11
11th pctile
Total Deposits
Current: $52.5M · Tier avg: $183.7M
7
7th pctile
Delinquency Rate
Current: 3.08% · Tier avg: 0.64%
0
0th pctile
Nonperforming Asset Ratio
Current: 2.69% · Tier avg: 0.45%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 2.69% · Tier avg: 0.45%
7
7th pctile
Delinquency Rate
Current: 3.08% · Tier avg: 0.64%
11
11th pctile
Total Deposits
Current: $52.5M · Tier avg: $183.7M
11
11th pctile
Total Assets
Current: $63.8M · Tier avg: $217.5M
14
14th pctile
Non-Interest Income / Assets
Current: 0.15% · Tier avg: 0.56%
23
23th pctile
Total Loans
Current: $55.6M · Tier avg: $139.2M
66
66th pctile
Tier 1 Capital Ratio
Current: 13.54% · Tier avg: 8.85%
66
66th pctile
Efficiency Ratio
Current: 60.48% · Tier avg: 67.73%
73
73th pctile
Return on Assets
Current: 1.46% · Tier avg: 1.08%
82
82th pctile
Non-Interest-Bearing Deposit Share
Current: 31.10% · Tier avg: 22.39%
95
95th pctile
Loan-to-Deposit Ratio
Current: 105.85% · Tier avg: 74.53%
98
98th pctile
Net Interest Margin
Current: 6.11% · Tier avg: 3.85%