BlastPoint's Banking Scorecard
Global Innovations Bank
Micro
Specialty: Agricultural
MN
FDIC cert 5175
Designations: ✓ Community bank
Kiester, MN
2498
banks in Micro tier nationally
179 in MN
View Micro leaderboard (MN) →
Global Innovations Bank has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest Income / Assets 3.42% above tier
Key Concerns
Areas that may need attention
- - Efficiency Ratio 21.06% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$118.5M
+35.4% YoY
+23.9% QoQ
|
-$99.0M |
$217.5M
+2.3% YoY
|
$508.2M
+6.2% YoY
|
$5.9B
+6.5% YoY
|
28% |
| Total Loans ? |
$57.6M
+54.6% YoY
+9.0% QoQ
|
-$81.6M |
$139.2M
+2.8% YoY
|
$283.0M
+6.2% YoY
|
$3.1B
+8.5% YoY
|
23% |
| Total Deposits ? |
$109.2M
+44.3% YoY
+26.1% QoQ
|
-$74.5M |
$183.7M
+1.8% YoY
|
$438.4M
+5.3% YoY
|
$4.7B
+6.3% YoY
|
32% |
| Return on Assets ? |
0.45%
-51.0% YoY
+4.8% QoQ
|
-0.63% |
1.08%
+14.7% YoY
|
1.11%
+14.5% YoY
|
1.12%
+15.6% YoY
|
17% |
| Net Interest Margin ? |
3.49%
-13.9% YoY
-3.0% QoQ
|
-0.36% |
3.85%
+6.6% YoY
|
3.81%
+8.2% YoY
|
3.75%
+7.1% YoY
|
33% |
| Efficiency Ratio ? |
88.78%
+6.9% YoY
-0.4% QoQ
|
+21.06% |
67.73%
-4.8% YoY
|
65.34%
-5.0% YoY
|
65.09%
-5.1% YoY
|
Bottom 10% in tier |
| Delinquency Rate ? |
0.87%
-8.2% QoQ
|
+0.23% |
0.64%
+24.4% YoY
|
0.65%
+17.8% YoY
|
0.66%
+20.3% YoY
|
32% |
| Loan-to-Deposit Ratio ? |
52.71%
+7.2% YoY
-13.6% QoQ
|
-21.81% |
74.53%
+0.5% YoY
|
76.97%
-0.8% YoY
|
78.04%
+0.7% YoY
|
16% |
| Non-Interest-Bearing Deposit Share ? |
27.05%
+16.9% YoY
+54.2% QoQ
|
+4.66% |
22.39%
-1.3% YoY
|
21.89%
-2.6% YoY
|
21.79%
-1.3% YoY
|
70% |
| Nonperforming Asset Ratio ? |
0.42%
-19.3% QoQ
|
-0.03% |
0.45%
+25.1% YoY
|
0.46%
+7.5% YoY
|
0.48%
+20.8% YoY
|
42% |
| Tier 1 Capital Ratio ? |
13.38%
-31.2% YoY
-9.2% QoQ
|
+4.52% |
8.85%
-3.4% YoY
|
11.33%
-0.2% YoY
|
9.75%
-1.9% YoY
|
65% |
| Non-Interest Income / Assets ? |
3.98%
-3.5% YoY
+12.0% QoQ
|
+3.42% |
0.56%
+0.3% YoY
|
0.50%
+4.9% YoY
|
0.65%
+0.6% YoY
|
Top 1% in tier |
Signature Analysis
Strengths (1)
Non-Interest Income / Assets
metric
Top 1%
in Micro
Why this stands out
Current:
3.98%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (1)
Efficiency Ratio
metric
Bottom 10%
in Micro
Why this stands out
Current:
88.78%
(Tier avg: 67.73%, National avg: 65.09%)
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
99
99th pctile
Non-Interest Income / Assets
Current: 3.98% · Tier avg: 0.56%
70
70th pctile
Non-Interest-Bearing Deposit Share
Current: 27.05% · Tier avg: 22.39%
65
65th pctile
Tier 1 Capital Ratio
Current: 13.38% · Tier avg: 8.85%
42
42th pctile
Nonperforming Asset Ratio
Current: 0.42% · Tier avg: 0.45%
33
33th pctile
Net Interest Margin
Current: 3.49% · Tier avg: 3.85%
32
32th pctile
Delinquency Rate
Current: 0.87% · Tier avg: 0.64%
32
32th pctile
Total Deposits
Current: $109.2M · Tier avg: $183.7M
28
28th pctile
Total Assets
Current: $118.5M · Tier avg: $217.5M
23
23th pctile
Total Loans
Current: $57.6M · Tier avg: $139.2M
17
17th pctile
Return on Assets
Current: 0.45% · Tier avg: 1.08%
16
16th pctile
Loan-to-Deposit Ratio
Current: 52.71% · Tier avg: 74.53%
10
10th pctile
Efficiency Ratio
Current: 88.78% · Tier avg: 67.73%
Top Weaknesses
10
10th pctile
Efficiency Ratio
Current: 88.78% · Tier avg: 67.73%
16
16th pctile
Loan-to-Deposit Ratio
Current: 52.71% · Tier avg: 74.53%
17
17th pctile
Return on Assets
Current: 0.45% · Tier avg: 1.08%
23
23th pctile
Total Loans
Current: $57.6M · Tier avg: $139.2M
28
28th pctile
Total Assets
Current: $118.5M · Tier avg: $217.5M
32
32th pctile
Total Deposits
Current: $109.2M · Tier avg: $183.7M
32
32th pctile
Delinquency Rate
Current: 0.87% · Tier avg: 0.64%
33
33th pctile
Net Interest Margin
Current: 3.49% · Tier avg: 3.85%
42
42th pctile
Nonperforming Asset Ratio
Current: 0.42% · Tier avg: 0.45%
65
65th pctile
Tier 1 Capital Ratio
Current: 13.38% · Tier avg: 8.85%
70
70th pctile
Non-Interest-Bearing Deposit Share
Current: 27.05% · Tier avg: 22.39%
99
99th pctile
Non-Interest Income / Assets
Current: 3.98% · Tier avg: 0.56%