BlastPoint's Banking Scorecard
Gogebic Range Bank
Micro
Specialty: Commercial
MI
FDIC cert 57192
Designations: ✓ Community bank
Ironwood, MI
2498
banks in Micro tier nationally
41 in MI
View Micro leaderboard (MI) →
Gogebic Range Bank faces 4 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Return on Assets 3.17% below tier
- - Efficiency Ratio 84.98% above tier
- - Delinquency Rate 1.77% above tier
- - Loan-to-Deposit Ratio 30.24% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$142.5M
+0.0% YoY
-4.7% QoQ
|
-$75.0M |
$217.5M
+2.3% YoY
|
$973.2M
+11.1% YoY
|
$5.9B
+6.5% YoY
|
35% |
| Total Loans ? |
$57.9M
-0.5% YoY
+2.7% QoQ
|
-$81.3M |
$139.2M
+2.8% YoY
|
$732.6M
+14.8% YoY
|
$3.1B
+8.5% YoY
|
24% |
| Total Deposits ? |
$130.8M
+2.4% YoY
-4.4% QoQ
|
-$52.9M |
$183.7M
+1.8% YoY
|
$781.1M
+10.4% YoY
|
$4.7B
+6.3% YoY
|
39% |
| Return on Assets ? |
-2.09%
-409.3% YoY
-382.8% QoQ
|
-3.17% |
1.08%
+14.7% YoY
|
1.09%
+9.6% YoY
|
1.12%
+15.6% YoY
|
Bottom 1% in tier |
| Net Interest Margin ? |
3.85%
+10.6% YoY
+1.5% QoQ
|
-0.01% |
3.85%
+6.6% YoY
|
3.97%
+7.8% YoY
|
3.75%
+7.1% YoY
|
52% |
| Efficiency Ratio ? |
152.71%
+102.0% YoY
+100.9% QoQ
|
+84.98% |
67.73%
-4.8% YoY
|
66.94%
-3.1% YoY
|
65.09%
-5.1% YoY
|
Bottom 1% in tier |
| Delinquency Rate ? |
2.41%
+40.1% YoY
+40.2% QoQ
|
+1.77% |
0.64%
+24.4% YoY
|
0.80%
+62.9% YoY
|
0.66%
+20.3% YoY
|
Bottom 10% in tier |
| Loan-to-Deposit Ratio ? |
44.28%
-2.9% YoY
+7.4% QoQ
|
-30.24% |
74.53%
+0.5% YoY
|
78.71%
+2.4% YoY
|
78.04%
+0.7% YoY
|
Bottom 9% in tier |
| Non-Interest-Bearing Deposit Share ? |
28.74%
+10.9% YoY
-0.2% QoQ
|
+6.35% |
22.39%
-1.3% YoY
|
25.17%
-2.2% YoY
|
21.79%
-1.3% YoY
|
75% |
| Nonperforming Asset Ratio ? |
0.98%
+30.1% YoY
+47.9% QoQ
|
+0.53% |
0.45%
+25.1% YoY
|
0.57%
+48.1% YoY
|
0.48%
+20.8% YoY
|
20% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
9.37%
-0.1% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.33%
+0.4% YoY
+43.6% QoQ
|
-0.23% |
0.56%
+0.3% YoY
|
0.78%
-0.1% YoY
|
0.65%
+0.6% YoY
|
45% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (4)
Return on Assets
metric
Bottom 1%
in Micro
Why this stands out
Current:
-2.09%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
152.71%
(Tier avg: 67.73%, National avg: 65.09%)
Delinquency Rate
metric
Bottom 10%
in Micro
Why this stands out
Current:
2.41%
(Tier avg: 0.64%, National avg: 0.66%)
Loan-to-Deposit Ratio
metric
Bottom 9%
in Micro
Why this stands out
Current:
44.28%
(Tier avg: 74.53%, National avg: 78.04%)
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
75
75th pctile
Non-Interest-Bearing Deposit Share
Current: 28.74% · Tier avg: 22.39%
52
52th pctile
Net Interest Margin
Current: 3.85% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
45
45th pctile
Non-Interest Income / Assets
Current: 0.33% · Tier avg: 0.56%
39
39th pctile
Total Deposits
Current: $130.8M · Tier avg: $183.7M
35
35th pctile
Total Assets
Current: $142.5M · Tier avg: $217.5M
24
24th pctile
Total Loans
Current: $57.9M · Tier avg: $139.2M
20
20th pctile
Nonperforming Asset Ratio
Current: 0.98% · Tier avg: 0.45%
10
10th pctile
Delinquency Rate
Current: 2.41% · Tier avg: 0.64%
9
9th pctile
Loan-to-Deposit Ratio
Current: 44.28% · Tier avg: 74.53%
1
1th pctile
Return on Assets
Current: -2.09% · Tier avg: 1.08%
0
0th pctile
Efficiency Ratio
Current: 152.71% · Tier avg: 67.73%
Top Weaknesses
0
0th pctile
Efficiency Ratio
Current: 152.71% · Tier avg: 67.73%
1
1th pctile
Return on Assets
Current: -2.09% · Tier avg: 1.08%
9
9th pctile
Loan-to-Deposit Ratio
Current: 44.28% · Tier avg: 74.53%
10
10th pctile
Delinquency Rate
Current: 2.41% · Tier avg: 0.64%
20
20th pctile
Nonperforming Asset Ratio
Current: 0.98% · Tier avg: 0.45%
24
24th pctile
Total Loans
Current: $57.9M · Tier avg: $139.2M
35
35th pctile
Total Assets
Current: $142.5M · Tier avg: $217.5M
39
39th pctile
Total Deposits
Current: $130.8M · Tier avg: $183.7M
45
45th pctile
Non-Interest Income / Assets
Current: 0.33% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
52
52th pctile
Net Interest Margin
Current: 3.85% · Tier avg: 3.85%
75
75th pctile
Non-Interest-Bearing Deposit Share
Current: 28.74% · Tier avg: 22.39%