BlastPoint's Banking Scorecard
American State Bank of Grygla
Micro
Specialty: Agricultural
MN
FDIC cert 22263
Designations: ✓ Community bank
Grygla, MN
2498
banks in Micro tier nationally
179 in MN
View Micro leaderboard (MN) →
American State Bank of Grygla demonstrates 2 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% below 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 (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$80.8M
+2.7% YoY
-1.4% QoQ
|
-$136.7M |
$217.5M
+2.3% YoY
|
$508.2M
+6.2% YoY
|
$5.9B
+6.5% YoY
|
16% |
| Total Loans ? |
$43.4M
+9.2% YoY
-2.4% QoQ
|
-$95.8M |
$139.2M
+2.8% YoY
|
$283.0M
+6.2% YoY
|
$3.1B
+8.5% YoY
|
17% |
| Total Deposits ? |
$73.2M
+0.8% YoY
-1.9% QoQ
|
-$110.5M |
$183.7M
+1.8% YoY
|
$438.4M
+5.3% YoY
|
$4.7B
+6.3% YoY
|
19% |
| Return on Assets ? |
1.45%
+24.1% YoY
-0.4% QoQ
|
+0.37% |
1.08%
+14.7% YoY
|
1.11%
+14.5% YoY
|
1.12%
+15.6% YoY
|
72% |
| Net Interest Margin ? |
3.68%
+5.7% YoY
+2.7% QoQ
|
-0.17% |
3.85%
+6.6% YoY
|
3.81%
+8.2% YoY
|
3.75%
+7.1% YoY
|
44% |
| Efficiency Ratio ? |
59.74%
-11.5% YoY
+0.1% QoQ
|
-7.98% |
67.73%
-4.8% YoY
|
65.34%
-5.0% YoY
|
65.09%
-5.1% YoY
|
68% |
| Delinquency Rate ? |
0.00%
-100.0% QoQ
|
-0.64% |
0.64%
+24.4% YoY
|
0.65%
+17.8% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
59.25%
+8.4% YoY
-0.6% QoQ
|
-15.28% |
74.53%
+0.5% YoY
|
76.97%
-0.8% YoY
|
78.04%
+0.7% YoY
|
23% |
| Non-Interest-Bearing Deposit Share ? |
28.90%
+18.0% YoY
+1.4% QoQ
|
+6.50% |
22.39%
-1.3% YoY
|
21.89%
-2.6% YoY
|
21.79%
-1.3% YoY
|
76% |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% QoQ
|
-0.45% |
0.45%
+25.1% YoY
|
0.46%
+7.5% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
11.33%
-0.2% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.62%
-7.9% YoY
+35.3% QoQ
|
+0.06% |
0.56%
+0.3% YoY
|
0.50%
+4.9% YoY
|
0.65%
+0.6% YoY
|
78% |
Signature Analysis
Strengths (2)
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%)
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%
78
78th pctile
Non-Interest Income / Assets
Current: 0.62% · Tier avg: 0.56%
76
76th pctile
Non-Interest-Bearing Deposit Share
Current: 28.90% · Tier avg: 22.39%
72
72th pctile
Return on Assets
Current: 1.45% · Tier avg: 1.08%
68
68th pctile
Efficiency Ratio
Current: 59.74% · Tier avg: 67.73%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
44
44th pctile
Net Interest Margin
Current: 3.68% · Tier avg: 3.85%
23
23th pctile
Loan-to-Deposit Ratio
Current: 59.25% · Tier avg: 74.53%
19
19th pctile
Total Deposits
Current: $73.2M · Tier avg: $183.7M
17
17th pctile
Total Loans
Current: $43.4M · Tier avg: $139.2M
16
16th pctile
Total Assets
Current: $80.8M · Tier avg: $217.5M
Top Weaknesses
16
16th pctile
Total Assets
Current: $80.8M · Tier avg: $217.5M
17
17th pctile
Total Loans
Current: $43.4M · Tier avg: $139.2M
19
19th pctile
Total Deposits
Current: $73.2M · Tier avg: $183.7M
23
23th pctile
Loan-to-Deposit Ratio
Current: 59.25% · Tier avg: 74.53%
44
44th pctile
Net Interest Margin
Current: 3.68% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
68
68th pctile
Efficiency Ratio
Current: 59.74% · Tier avg: 67.73%
72
72th pctile
Return on Assets
Current: 1.45% · Tier avg: 1.08%
76
76th pctile
Non-Interest-Bearing Deposit Share
Current: 28.90% · Tier avg: 22.39%
78
78th pctile
Non-Interest Income / Assets
Current: 0.62% · 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%