BlastPoint's Banking Scorecard
Green Dot Bank DBA Bonneville Bank
Mid-Market
Specialty: Other
UT
FDIC cert 22653
Provo, UT
201
banks in Mid-Market tier nationally
7 in UT
View Mid-Market leaderboard (UT) →
Green Dot Bank DBA Bonneville Bank has 4 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 1% in Mid-Market
- + Revenue Diversifier: Top 21% in Mid-Market
- + Nonperforming Asset Ratio 0.46% below tier
- + Tier 1 Capital Ratio 16.20% above tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 88% in Mid-Market
- - Delinquency Rate 0.98% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$5.2B
+13.2% YoY
+4.2% QoQ
|
-$5.3B |
$10.5B
+2.9% YoY
|
$27.8B
+4.3% YoY
|
$5.9B
+6.5% YoY
|
Bottom 3% in tier |
| Total Loans ? |
$110.9M
+44.3% YoY
+160.7% QoQ
|
-$7.0B |
$7.1B
+4.5% YoY
|
$18.4B
+5.7% YoY
|
$3.1B
+8.5% YoY
|
Bottom 1% in tier |
| Total Deposits ? |
$4.9B
+9.7% YoY
+4.4% QoQ
|
-$3.7B |
$8.5B
+3.0% YoY
|
$22.6B
+4.5% YoY
|
$4.7B
+6.3% YoY
|
17% |
| Return on Assets ? |
1.24%
-4.5% YoY
+17.0% QoQ
|
+0.08% |
1.16%
+9.4% YoY
|
1.81%
-9.1% YoY
|
1.12%
+15.6% YoY
|
55% |
| Net Interest Margin ? |
6.56%
-1.5% YoY
+0.8% QoQ
|
+3.16% |
3.40%
+7.9% YoY
|
5.42%
-7.6% YoY
|
3.75%
+7.1% YoY
|
Top 2% in tier |
| Efficiency Ratio ? |
91.80%
+11.6% YoY
-0.1% QoQ
|
+35.19% |
56.60%
-3.2% YoY
|
52.17%
+2.9% YoY
|
65.09%
-5.1% YoY
|
Bottom 2% in tier |
| Delinquency Rate ? |
1.67%
-53.5% YoY
-65.3% QoQ
|
+0.98% |
0.68%
+12.0% YoY
|
1.05%
-14.1% YoY
|
0.66%
+20.3% YoY
|
Bottom 8% in tier |
| Loan-to-Deposit Ratio ? |
2.28%
+31.6% YoY
+149.6% QoQ
|
-83.20% |
85.47%
+1.1% YoY
|
84.36%
-0.6% YoY
|
78.04%
+0.7% YoY
|
- |
| Non-Interest-Bearing Deposit Share ? |
97.12%
-0.5% YoY
+0.0% QoQ
|
+76.48% |
20.64%
-0.3% YoY
|
13.04%
-1.8% YoY
|
21.79%
-1.3% YoY
|
Top 1% in tier |
| Nonperforming Asset Ratio ? |
0.04%
-40.7% YoY
-13.0% QoQ
|
-0.46% |
0.50%
+7.3% YoY
|
0.58%
-21.1% YoY
|
0.48%
+20.8% YoY
|
Top 8% in tier |
| Tier 1 Capital Ratio ? |
29.75%
+5.4% YoY
-11.9% QoQ
|
+16.20% |
13.55%
+1.8% YoY
|
9.83%
-1.9% YoY
|
9.75%
-1.9% YoY
|
Top 1% in tier |
| Non-Interest Income / Assets ? |
25.24%
+181.8% YoY
+31.6% QoQ
|
+24.28% |
0.96%
+7.1% YoY
|
1.76%
-7.5% YoY
|
0.65%
+0.6% YoY
|
- |
Signature Analysis
Strengths (4)
Deposit Franchise
growth
#1 of 22 · Top 1% in Mid-Market
Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Why this signature
Noninterest-Bearing Deposit Share:
97.12%
(Tier: 20.64%, National: 21.79%)
Net Interest Margin:
6.56%
(Tier: 3.40%, National: 3.75%)
22 of 22 Mid-Market banks match
·
176 nationally
→ Stable
+2 banks QoQ
Revenue Diversifier
growth
#11 of 49 · Top 21% in Mid-Market
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
25.24%
(Tier: 0.96%, National: 0.65%)
Return on Assets:
1.24%
(Tier: 1.16%, National: 1.12%)
49 of 49 Mid-Market banks match
·
441 nationally
→ Stable
+4 banks QoQ
|
QoQ rank improving
Nonperforming Asset Ratio
metric
Top 8%
in Mid-Market
Why this stands out
Current:
0.04%
(Tier avg: 0.50%, National avg: 0.48%)
Tier 1 Capital Ratio
metric
Top 1%
in Mid-Market
Why this stands out
Current:
29.75%
(Tier avg: 13.55%, National avg: 9.75%)
Concerns (2)
Efficiency Drag
risk
#8 of 9 · Bottom 88% in Mid-Market
Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Why this signature
Efficiency Ratio:
91.80%
(Tier: 56.60%, National: 65.09%)
9 of 9 Mid-Market banks match
·
163 nationally
→ Stable
-9 banks QoQ
|
QoQ rank improving
Delinquency Rate
metric
Bottom 8%
in Mid-Market
Why this stands out
Current:
1.67%
(Tier avg: 0.68%, National avg: 0.66%)
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
Non-Interest-Bearing Deposit Share
Current: 97.12% · Tier avg: 20.64%
100
100th pctile
Tier 1 Capital Ratio
Current: 29.75% · Tier avg: 13.55%
98
98th pctile
Net Interest Margin
Current: 6.56% · Tier avg: 3.40%
92
92th pctile
Nonperforming Asset Ratio
Current: 0.04% · Tier avg: 0.50%
55
55th pctile
Return on Assets
Current: 1.24% · Tier avg: 1.16%
17
17th pctile
Total Deposits
Current: $4.9B · Tier avg: $8.5B
8
8th pctile
Delinquency Rate
Current: 1.67% · Tier avg: 0.68%
3
3th pctile
Total Assets
Current: $5.2B · Tier avg: $10.5B
2
2th pctile
Efficiency Ratio
Current: 91.80% · Tier avg: 56.60%
1
1th pctile
Total Loans
Current: $110.9M · Tier avg: $7.1B
Top Weaknesses
1
1th pctile
Total Loans
Current: $110.9M · Tier avg: $7.1B
2
2th pctile
Efficiency Ratio
Current: 91.80% · Tier avg: 56.60%
3
3th pctile
Total Assets
Current: $5.2B · Tier avg: $10.5B
8
8th pctile
Delinquency Rate
Current: 1.67% · Tier avg: 0.68%
17
17th pctile
Total Deposits
Current: $4.9B · Tier avg: $8.5B
55
55th pctile
Return on Assets
Current: 1.24% · Tier avg: 1.16%
92
92th pctile
Nonperforming Asset Ratio
Current: 0.04% · Tier avg: 0.50%
98
98th pctile
Net Interest Margin
Current: 6.56% · Tier avg: 3.40%
100
100th pctile
Tier 1 Capital Ratio
Current: 29.75% · Tier avg: 13.55%
100
100th pctile
Non-Interest-Bearing Deposit Share
Current: 97.12% · Tier avg: 20.64%