BlastPoint's Banking Scorecard
Grundy Bank
Micro
Specialty: Commercial
IL
FDIC cert 3713
Designations: ✓ Community bank
Morris, IL
2498
banks in Micro tier nationally
227 in IL
View Micro leaderboard (IL) →
Grundy Bank shows strong momentum with 4 strengths and 6.7% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.84% above tier
- + Efficiency Ratio 22.21% below tier
- + Non-Interest-Bearing Deposit Share 22.97% above tier
- + Non-Interest Income / Assets 0.41% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$372.1M
+6.7% YoY
-9.8% QoQ
|
+$154.6M |
$217.5M
+2.3% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
84% |
| Total Loans ? |
$261.6M
+7.2% YoY
-1.8% QoQ
|
+$122.4M |
$139.2M
+2.8% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
Top 13% in tier |
| Total Deposits ? |
$318.2M
+6.0% YoY
-11.8% QoQ
|
+$134.5M |
$183.7M
+1.8% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
84% |
| Return on Assets ? |
2.92%
-1.3% YoY
+0.7% QoQ
|
+1.84% |
1.08%
+14.7% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
Top 2% in tier |
| Net Interest Margin ? |
4.78%
-1.9% YoY
+3.0% QoQ
|
+0.93% |
3.85%
+6.6% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
Top 13% in tier |
| Efficiency Ratio ? |
45.51%
-0.9% YoY
+3.9% QoQ
|
-22.21% |
67.73%
-4.8% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
Top 5% in tier |
| Delinquency Rate ? |
0.00%
-99.3% YoY
-74.5% QoQ
|
-0.64% |
0.64%
+24.4% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
83% |
| Loan-to-Deposit Ratio ? |
82.21%
+1.1% YoY
+11.3% QoQ
|
+7.68% |
74.53%
+0.5% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
62% |
| Non-Interest-Bearing Deposit Share ? |
45.37%
-2.0% YoY
+12.3% QoQ
|
+22.97% |
22.39%
-1.3% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
Top 4% in tier |
| Nonperforming Asset Ratio ? |
0.00%
-99.3% YoY
-72.3% QoQ
|
-0.45% |
0.45%
+25.1% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
84% |
| Tier 1 Capital Ratio ? |
20.46%
+5.5% YoY
+7.1% QoQ
|
+11.61% |
8.85%
-3.4% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
Top 13% in tier |
| Non-Interest Income / Assets ? |
0.97%
-3.7% YoY
+49.6% QoQ
|
+0.41% |
0.56%
+0.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
Top 9% in tier |
Signature Analysis
Strengths (4)
Return on Assets
metric
Top 2%
in Micro
Why this stands out
Current:
2.92%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Top 5%
in Micro
Why this stands out
Current:
45.51%
(Tier avg: 67.73%, National avg: 65.09%)
Non-Interest-Bearing Deposit Share
metric
Top 4%
in Micro
Why this stands out
Current:
45.37%
(Tier avg: 22.39%, National avg: 21.79%)
Non-Interest Income / Assets
metric
Top 9%
in Micro
Why this stands out
Current:
0.97%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (0)
No concerns identified
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
98
98th pctile
Return on Assets
Current: 2.92% · Tier avg: 1.08%
96
96th pctile
Non-Interest-Bearing Deposit Share
Current: 45.37% · Tier avg: 22.39%
95
95th pctile
Efficiency Ratio
Current: 45.51% · Tier avg: 67.73%
91
91th pctile
Non-Interest Income / Assets
Current: 0.97% · Tier avg: 0.56%
87
87th pctile
Tier 1 Capital Ratio
Current: 20.46% · Tier avg: 8.85%
87
87th pctile
Total Loans
Current: $261.6M · Tier avg: $139.2M
87
87th pctile
Net Interest Margin
Current: 4.78% · Tier avg: 3.85%
84
84th pctile
Total Deposits
Current: $318.2M · Tier avg: $183.7M
84
84th pctile
Total Assets
Current: $372.1M · Tier avg: $217.5M
84
84th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
83
83th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
62
62th pctile
Loan-to-Deposit Ratio
Current: 82.21% · Tier avg: 74.53%
Top Weaknesses
62
62th pctile
Loan-to-Deposit Ratio
Current: 82.21% · Tier avg: 74.53%
83
83th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
84
84th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
84
84th pctile
Total Assets
Current: $372.1M · Tier avg: $217.5M
84
84th pctile
Total Deposits
Current: $318.2M · Tier avg: $183.7M
87
87th pctile
Net Interest Margin
Current: 4.78% · Tier avg: 3.85%
87
87th pctile
Total Loans
Current: $261.6M · Tier avg: $139.2M
87
87th pctile
Tier 1 Capital Ratio
Current: 20.46% · Tier avg: 8.85%
91
91th pctile
Non-Interest Income / Assets
Current: 0.97% · Tier avg: 0.56%
95
95th pctile
Efficiency Ratio
Current: 45.51% · Tier avg: 67.73%
96
96th pctile
Non-Interest-Bearing Deposit Share
Current: 45.37% · Tier avg: 22.39%
98
98th pctile
Return on Assets
Current: 2.92% · Tier avg: 1.08%