BlastPoint's Banking Scorecard
Grand Bank for Savings, FSB
Micro
Specialty: Mortgage
MS
FDIC cert 31864
Designations: ✓ Community bank
Hattiesburg, MS
2498
banks in Micro tier nationally
31 in MS
View Micro leaderboard (MS) →
Grand Bank for Savings, FSB faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Non-Interest-Bearing Deposit Share 19.25% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$277.5M
+9.7% YoY
-1.2% QoQ
|
+$60.0M |
$217.5M
+2.3% YoY
|
$2.2B
+10.7% YoY
|
$5.9B
+6.5% YoY
|
68% |
| Total Loans ? |
$189.1M
+3.3% YoY
+0.0% QoQ
|
+$49.9M |
$139.2M
+2.8% YoY
|
$1.5B
+12.2% YoY
|
$3.1B
+8.5% YoY
|
71% |
| Total Deposits ? |
$244.7M
+7.2% YoY
-1.1% QoQ
|
+$61.1M |
$183.7M
+1.8% YoY
|
$1.9B
+9.4% YoY
|
$4.7B
+6.3% YoY
|
69% |
| Return on Assets ? |
0.48%
+249.2% YoY
-5.6% QoQ
|
-0.60% |
1.08%
+14.7% YoY
|
1.01%
-3.5% YoY
|
1.12%
+15.6% YoY
|
18% |
| Net Interest Margin ? |
4.05%
+2.5% YoY
+0.5% QoQ
|
+0.20% |
3.85%
+6.6% YoY
|
3.89%
+5.4% YoY
|
3.75%
+7.1% YoY
|
61% |
| Efficiency Ratio ? |
87.56%
-16.3% YoY
+1.1% QoQ
|
+19.83% |
67.73%
-4.8% YoY
|
68.70%
-1.6% YoY
|
65.09%
-5.1% YoY
|
Bottom 11% in tier |
| Delinquency Rate ? |
0.73%
-21.9% YoY
+40.6% QoQ
|
+0.09% |
0.64%
+24.4% YoY
|
0.98%
+32.9% YoY
|
0.66%
+20.3% YoY
|
36% |
| Loan-to-Deposit Ratio ? |
77.27%
-3.6% YoY
+1.1% QoQ
|
+2.75% |
74.53%
+0.5% YoY
|
71.82%
+2.7% YoY
|
78.04%
+0.7% YoY
|
52% |
| Non-Interest-Bearing Deposit Share ? |
3.14%
+44.2% YoY
+59.8% QoQ
|
-19.25% |
22.39%
-1.3% YoY
|
23.43%
+1.6% YoY
|
21.79%
-1.3% YoY
|
Bottom 4% in tier |
| Nonperforming Asset Ratio ? |
0.75%
-21.5% YoY
+25.4% QoQ
|
+0.29% |
0.45%
+25.1% YoY
|
0.61%
+16.2% YoY
|
0.48%
+20.8% YoY
|
27% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
6.62%
-3.2% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.17%
+214.3% YoY
+43.0% QoQ
|
-0.40% |
0.56%
+0.3% YoY
|
0.73%
-13.2% YoY
|
0.65%
+0.6% YoY
|
18% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Non-Interest-Bearing Deposit Share
metric
Bottom 4%
in Micro
Why this stands out
Current:
3.14%
(Tier avg: 22.39%, National avg: 21.79%)
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
71
71th pctile
Total Loans
Current: $189.1M · Tier avg: $139.2M
69
69th pctile
Total Deposits
Current: $244.7M · Tier avg: $183.7M
68
68th pctile
Total Assets
Current: $277.5M · Tier avg: $217.5M
61
61th pctile
Net Interest Margin
Current: 4.05% · Tier avg: 3.85%
52
52th pctile
Loan-to-Deposit Ratio
Current: 77.27% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
36
36th pctile
Delinquency Rate
Current: 0.73% · Tier avg: 0.64%
27
27th pctile
Nonperforming Asset Ratio
Current: 0.75% · Tier avg: 0.45%
18
18th pctile
Return on Assets
Current: 0.48% · Tier avg: 1.08%
18
18th pctile
Non-Interest Income / Assets
Current: 0.17% · Tier avg: 0.56%
11
11th pctile
Efficiency Ratio
Current: 87.56% · Tier avg: 67.73%
4
4th pctile
Non-Interest-Bearing Deposit Share
Current: 3.14% · Tier avg: 22.39%
Top Weaknesses
4
4th pctile
Non-Interest-Bearing Deposit Share
Current: 3.14% · Tier avg: 22.39%
11
11th pctile
Efficiency Ratio
Current: 87.56% · Tier avg: 67.73%
18
18th pctile
Non-Interest Income / Assets
Current: 0.17% · Tier avg: 0.56%
18
18th pctile
Return on Assets
Current: 0.48% · Tier avg: 1.08%
27
27th pctile
Nonperforming Asset Ratio
Current: 0.75% · Tier avg: 0.45%
36
36th pctile
Delinquency Rate
Current: 0.73% · Tier avg: 0.64%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
52
52th pctile
Loan-to-Deposit Ratio
Current: 77.27% · Tier avg: 74.53%
61
61th pctile
Net Interest Margin
Current: 4.05% · Tier avg: 3.85%
68
68th pctile
Total Assets
Current: $277.5M · Tier avg: $217.5M
69
69th pctile
Total Deposits
Current: $244.7M · Tier avg: $183.7M
71
71th pctile
Total Loans
Current: $189.1M · Tier avg: $139.2M