BlastPoint's Banking Scorecard
Grandview Bank
Community
Specialty: Commercial
TX
FDIC cert 3230
Grandview, TX
1484
banks in Community tier nationally
136 in TX
View Community leaderboard (TX) →
Grandview Bank has 3 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 7% in Community
- + Return on Assets 0.98% above tier
- + Efficiency Ratio 22.19% below tier
Key Concerns
Areas that may need attention
- - Cost Spiral: Bottom 8% in Community
- - Liquidity Overhang: Bottom 39% in Community
- - Margin Compression: Bottom 45% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$690.1M
+4.9% YoY
-3.9% QoQ
|
-$701.3M |
$1.4B
+2.0% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
26% |
| Total Loans ? |
$526.7M
+17.5% YoY
+3.2% QoQ
|
-$448.8M |
$975.5M
+2.4% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
34% |
| Total Deposits ? |
$608.9M
+3.8% YoY
-5.0% QoQ
|
-$555.7M |
$1.2B
+1.7% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
29% |
| Return on Assets ? |
2.15%
-19.2% YoY
+2.6% QoQ
|
+0.98% |
1.16%
+17.2% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
Top 7% in tier |
| Net Interest Margin ? |
4.87%
+4.3% YoY
+1.9% QoQ
|
+1.20% |
3.66%
+9.1% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
Top 6% in tier |
| Efficiency Ratio ? |
40.44%
+15.0% YoY
-1.5% QoQ
|
-22.19% |
62.63%
-5.3% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
Top 5% in tier |
| Delinquency Rate ? |
0.17%
+954.6% YoY
-5.6% QoQ
|
-0.45% |
0.63%
+18.3% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
73% |
| Loan-to-Deposit Ratio ? |
86.50%
+13.2% YoY
+8.6% QoQ
|
+3.44% |
83.06%
+0.3% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
55% |
| Non-Interest-Bearing Deposit Share ? |
41.52%
-2.8% YoY
+0.9% QoQ
|
+20.48% |
21.05%
-0.9% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Top 4% in tier |
| Nonperforming Asset Ratio ? |
0.13%
+1.4% QoQ
|
-0.37% |
0.50%
+20.3% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
73% |
| Tier 1 Capital Ratio ? |
17.31%
+7.8% YoY
-1.3% QoQ
|
+7.06% |
10.24%
-0.6% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
Top 13% in tier |
| Non-Interest Income / Assets ? |
0.24%
-75.6% YoY
+38.2% QoQ
|
-0.50% |
0.74%
-1.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
15% |
Signature Analysis
Strengths (3)
Deposit Franchise
growth
#12 of 150 · Top 7% in Community
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:
41.52%
(Tier: 21.05%, National: 21.79%)
Net Interest Margin:
4.87%
(Tier: 3.66%, National: 3.75%)
150 of 150 Community banks match
·
176 nationally
→ Stable
+2 banks QoQ
|
QoQ rank improving
Return on Assets
metric
Top 7%
in Community
Why this stands out
Current:
2.15%
(Tier avg: 1.16%, National avg: 1.12%)
Efficiency Ratio
metric
Top 5%
in Community
Why this stands out
Current:
40.44%
(Tier avg: 62.63%, National avg: 65.09%)
Concerns (3)
Cost Spiral
risk
#4 of 40 · Bottom 8% in Community
Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.
Why this signature
Efficiency Ratio:
40.44%
(Tier: 62.63%, National: 65.09%)
40 of 40 Community banks match
·
50 nationally
↓ Shrinking
-10 banks QoQ
Liquidity Overhang
risk
#105 of 268 · Bottom 39% in Community
Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Why this signature
Tier 1 Risk-Based Capital Ratio:
17.31%
(Tier: 10.24%, National: 9.75%)
Loan-to-Deposit Ratio:
86.50%
(Tier: 83.06%, National: 78.04%)
268 of 268 Community banks match
·
314 nationally
→ Stable
+6 banks QoQ
|
QoQ rank improving
Margin Compression
decline
#54 of 120 · Bottom 45% in Community
Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Why this signature
Return on Assets:
2.15%
(Tier: 1.16%, National: 1.12%)
120 of 120 Community banks match
·
147 nationally
→ Stable
-9 banks QoQ
|
QoQ rank improving
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
96
96th pctile
Non-Interest-Bearing Deposit Share
Current: 41.52% · Tier avg: 21.05%
95
95th pctile
Efficiency Ratio
Current: 40.44% · Tier avg: 62.63%
94
94th pctile
Net Interest Margin
Current: 4.87% · Tier avg: 3.66%
93
93th pctile
Return on Assets
Current: 2.15% · Tier avg: 1.16%
87
87th pctile
Tier 1 Capital Ratio
Current: 17.31% · Tier avg: 10.24%
73
73th pctile
Delinquency Rate
Current: 0.17% · Tier avg: 0.63%
73
73th pctile
Nonperforming Asset Ratio
Current: 0.13% · Tier avg: 0.50%
55
55th pctile
Loan-to-Deposit Ratio
Current: 86.50% · Tier avg: 83.06%
34
34th pctile
Total Loans
Current: $526.7M · Tier avg: $975.5M
29
29th pctile
Total Deposits
Current: $608.9M · Tier avg: $1.2B
26
26th pctile
Total Assets
Current: $690.1M · Tier avg: $1.4B
15
15th pctile
Non-Interest Income / Assets
Current: 0.24% · Tier avg: 0.74%
Top Weaknesses
15
15th pctile
Non-Interest Income / Assets
Current: 0.24% · Tier avg: 0.74%
26
26th pctile
Total Assets
Current: $690.1M · Tier avg: $1.4B
29
29th pctile
Total Deposits
Current: $608.9M · Tier avg: $1.2B
34
34th pctile
Total Loans
Current: $526.7M · Tier avg: $975.5M
55
55th pctile
Loan-to-Deposit Ratio
Current: 86.50% · Tier avg: 83.06%
73
73th pctile
Nonperforming Asset Ratio
Current: 0.13% · Tier avg: 0.50%
73
73th pctile
Delinquency Rate
Current: 0.17% · Tier avg: 0.63%
87
87th pctile
Tier 1 Capital Ratio
Current: 17.31% · Tier avg: 10.24%
93
93th pctile
Return on Assets
Current: 2.15% · Tier avg: 1.16%
94
94th pctile
Net Interest Margin
Current: 4.87% · Tier avg: 3.66%
95
95th pctile
Efficiency Ratio
Current: 40.44% · Tier avg: 62.63%
96
96th pctile
Non-Interest-Bearing Deposit Share
Current: 41.52% · Tier avg: 21.05%