BlastPoint's Banking Scorecard
GN Bank
Micro
Specialty: Other
IL
FDIC cert 29399
Designations: ✓ Community bank
Chicago, IL
2498
banks in Micro tier nationally
227 in IL
View Micro leaderboard (IL) →
GN Bank faces 3 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Efficiency Ratio 25.45% above tier
- - Delinquency Rate 8.42% above tier
- - Nonperforming Asset Ratio 3.37% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$63.7M
-1.5% YoY
+1.3% QoQ
|
-$153.8M |
$217.5M
+2.3% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
Bottom 11% in tier |
| Total Loans ? |
$26.9M
-22.9% YoY
-3.2% QoQ
|
-$112.3M |
$139.2M
+2.8% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
Bottom 10% in tier |
| Total Deposits ? |
$54.1M
-2.8% YoY
+1.6% QoQ
|
-$129.5M |
$183.7M
+1.8% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
Bottom 12% in tier |
| Return on Assets ? |
0.44%
+18.0% YoY
+93.9% QoQ
|
-0.64% |
1.08%
+14.7% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
16% |
| Net Interest Margin ? |
4.12%
-9.3% YoY
+0.7% QoQ
|
+0.27% |
3.85%
+6.6% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
64% |
| Efficiency Ratio ? |
93.17%
-5.8% YoY
-3.9% QoQ
|
+25.45% |
67.73%
-4.8% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
Bottom 7% in tier |
| Delinquency Rate ? |
9.06%
+54.1% YoY
+0.1% QoQ
|
+8.42% |
0.64%
+24.4% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
49.66%
-20.6% YoY
-4.7% QoQ
|
-24.86% |
74.53%
+0.5% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
Bottom 13% in tier |
| Non-Interest-Bearing Deposit Share ? |
12.74%
+12.7% YoY
+3.6% QoQ
|
-9.66% |
22.39%
-1.3% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
17% |
| Nonperforming Asset Ratio ? |
3.82%
+20.7% YoY
-4.3% QoQ
|
+3.37% |
0.45%
+25.1% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.43%
+16.1% YoY
+93.9% QoQ
|
-0.14% |
0.56%
+0.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
60% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (3)
Efficiency Ratio
metric
Bottom 7%
in Micro
Why this stands out
Current:
93.17%
(Tier avg: 67.73%, National avg: 65.09%)
Delinquency Rate
metric
Bottom 1%
in Micro
Why this stands out
Current:
9.06%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
3.82%
(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
64
64th pctile
Net Interest Margin
Current: 4.12% · Tier avg: 3.85%
60
60th pctile
Non-Interest Income / Assets
Current: 0.43% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
17
17th pctile
Non-Interest-Bearing Deposit Share
Current: 12.74% · Tier avg: 22.39%
16
16th pctile
Return on Assets
Current: 0.44% · Tier avg: 1.08%
13
13th pctile
Loan-to-Deposit Ratio
Current: 49.66% · Tier avg: 74.53%
12
12th pctile
Total Deposits
Current: $54.1M · Tier avg: $183.7M
11
11th pctile
Total Assets
Current: $63.7M · Tier avg: $217.5M
10
10th pctile
Total Loans
Current: $26.9M · Tier avg: $139.2M
7
7th pctile
Efficiency Ratio
Current: 93.17% · Tier avg: 67.73%
0
0th pctile
Delinquency Rate
Current: 9.06% · Tier avg: 0.64%
0
0th pctile
Nonperforming Asset Ratio
Current: 3.82% · Tier avg: 0.45%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 3.82% · Tier avg: 0.45%
0
0th pctile
Delinquency Rate
Current: 9.06% · Tier avg: 0.64%
7
7th pctile
Efficiency Ratio
Current: 93.17% · Tier avg: 67.73%
10
10th pctile
Total Loans
Current: $26.9M · Tier avg: $139.2M
11
11th pctile
Total Assets
Current: $63.7M · Tier avg: $217.5M
12
12th pctile
Total Deposits
Current: $54.1M · Tier avg: $183.7M
13
13th pctile
Loan-to-Deposit Ratio
Current: 49.66% · Tier avg: 74.53%
16
16th pctile
Return on Assets
Current: 0.44% · Tier avg: 1.08%
17
17th pctile
Non-Interest-Bearing Deposit Share
Current: 12.74% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
60
60th pctile
Non-Interest Income / Assets
Current: 0.43% · Tier avg: 0.56%
64
64th pctile
Net Interest Margin
Current: 4.12% · Tier avg: 3.85%