BlastPoint's Banking Scorecard
Grand Valley Bank
Community
Specialty: Agricultural
UT
FDIC cert 24922
Heber City, UT
1484
banks in Community tier nationally
18 in UT
View Community leaderboard (UT) →
Grand Valley Bank has 4 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 47% in Community
- + Loan-to-Deposit Ratio 30.00% below tier
- + Non-Interest-Bearing Deposit Share 13.59% above tier
- + Nonperforming Asset Ratio 0.49% below tier
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 23% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$586.5M
+1.5% YoY
-0.3% QoQ
|
-$805.0M |
$1.4B
+2.0% YoY
|
$27.8B
+4.3% YoY
|
$5.9B
+6.5% YoY
|
Bottom 12% in tier |
| Total Loans ? |
$281.7M
+3.5% YoY
+2.5% QoQ
|
-$693.8M |
$975.5M
+2.4% YoY
|
$18.4B
+5.7% YoY
|
$3.1B
+8.5% YoY
|
Bottom 4% in tier |
| Total Deposits ? |
$530.9M
-0.4% YoY
-0.9% QoQ
|
-$633.7M |
$1.2B
+1.7% YoY
|
$22.6B
+4.5% YoY
|
$4.7B
+6.3% YoY
|
18% |
| Return on Assets ? |
1.23%
-1.9% YoY
+2.5% QoQ
|
+0.06% |
1.16%
+17.2% YoY
|
1.81%
-9.1% YoY
|
1.12%
+15.6% YoY
|
58% |
| Net Interest Margin ? |
3.77%
+1.8% YoY
+0.9% QoQ
|
+0.11% |
3.66%
+9.1% YoY
|
5.42%
-7.6% YoY
|
3.75%
+7.1% YoY
|
58% |
| Efficiency Ratio ? |
59.06%
+3.4% YoY
-0.5% QoQ
|
-3.57% |
62.63%
-5.3% YoY
|
52.17%
+2.9% YoY
|
65.09%
-5.1% YoY
|
60% |
| Delinquency Rate ? |
0.02%
-3.4% YoY
-2.4% QoQ
|
-0.61% |
0.63%
+18.3% YoY
|
1.05%
-14.1% YoY
|
0.66%
+20.3% YoY
|
Top 7% in tier |
| Loan-to-Deposit Ratio ? |
53.06%
+3.9% YoY
+3.4% QoQ
|
-30.00% |
83.06%
+0.3% YoY
|
84.36%
-0.6% YoY
|
78.04%
+0.7% YoY
|
Top 5% in tier |
| Non-Interest-Bearing Deposit Share ? |
34.64%
+0.9% YoY
+0.4% QoQ
|
+13.59% |
21.05%
-0.9% YoY
|
13.04%
-1.8% YoY
|
21.79%
-1.3% YoY
|
Top 9% in tier |
| Nonperforming Asset Ratio ? |
0.01%
-1.4% YoY
+0.3% QoQ
|
-0.49% |
0.50%
+20.3% YoY
|
0.58%
-21.1% YoY
|
0.48%
+20.8% YoY
|
Top 6% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
9.83%
-1.9% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.32%
-16.1% YoY
+49.5% QoQ
|
-0.42% |
0.74%
-1.3% YoY
|
1.76%
-7.5% YoY
|
0.65%
+0.6% YoY
|
25% |
Signature Analysis
Strengths (4)
Credit Quality Leader
growth
#175 of 371 · Top 47% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.02%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
|
QoQ rank declining
Loan-to-Deposit Ratio
metric
Top 5%
in Community
Why this stands out
Current:
53.06%
(Tier avg: 83.06%, National avg: 78.04%)
Non-Interest-Bearing Deposit Share
metric
Top 9%
in Community
Why this stands out
Current:
34.64%
(Tier avg: 21.05%, National avg: 21.79%)
Nonperforming Asset Ratio
metric
Top 6%
in Community
Why this stands out
Current:
0.01%
(Tier avg: 0.50%, National avg: 0.48%)
Concerns (1)
Capital Thin
risk
#98 of 432 · Bottom 23% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank declining
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
95
95th pctile
Loan-to-Deposit Ratio
Current: 53.06% · Tier avg: 83.06%
94
94th pctile
Nonperforming Asset Ratio
Current: 0.01% · Tier avg: 0.50%
93
93th pctile
Delinquency Rate
Current: 0.02% · Tier avg: 0.63%
91
91th pctile
Non-Interest-Bearing Deposit Share
Current: 34.64% · Tier avg: 21.05%
60
60th pctile
Efficiency Ratio
Current: 59.06% · Tier avg: 62.63%
58
58th pctile
Net Interest Margin
Current: 3.77% · Tier avg: 3.66%
58
58th pctile
Return on Assets
Current: 1.23% · Tier avg: 1.16%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
25
25th pctile
Non-Interest Income / Assets
Current: 0.32% · Tier avg: 0.74%
18
18th pctile
Total Deposits
Current: $530.9M · Tier avg: $1.2B
12
12th pctile
Total Assets
Current: $586.5M · Tier avg: $1.4B
4
4th pctile
Total Loans
Current: $281.7M · Tier avg: $975.5M
Top Weaknesses
4
4th pctile
Total Loans
Current: $281.7M · Tier avg: $975.5M
12
12th pctile
Total Assets
Current: $586.5M · Tier avg: $1.4B
18
18th pctile
Total Deposits
Current: $530.9M · Tier avg: $1.2B
25
25th pctile
Non-Interest Income / Assets
Current: 0.32% · Tier avg: 0.74%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
58
58th pctile
Return on Assets
Current: 1.23% · Tier avg: 1.16%
58
58th pctile
Net Interest Margin
Current: 3.77% · Tier avg: 3.66%
60
60th pctile
Efficiency Ratio
Current: 59.06% · Tier avg: 62.63%
91
91th pctile
Non-Interest-Bearing Deposit Share
Current: 34.64% · Tier avg: 21.05%
93
93th pctile
Delinquency Rate
Current: 0.02% · Tier avg: 0.63%
94
94th pctile
Nonperforming Asset Ratio
Current: 0.01% · Tier avg: 0.50%
95
95th pctile
Loan-to-Deposit Ratio
Current: 53.06% · Tier avg: 83.06%