BlastPoint's Banking Scorecard
Global Bank
Micro
Specialty: Commercial
NY
FDIC cert 58263
Designations: ✓ Community bank
New York, NY
2498
banks in Micro tier nationally
37 in NY
View Micro leaderboard (NY) →
Global Bank has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 33.38% above tier
Key Concerns
Areas that may need attention
- - Delinquency Rate 4.28% above tier
- - Nonperforming Asset Ratio 3.52% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$272.6M
+4.8% YoY
+1.7% QoQ
|
+$55.1M |
$217.5M
+2.3% YoY
|
$17.4B
+10.0% YoY
|
$5.9B
+6.5% YoY
|
66% |
| Total Loans ? |
$220.0M
+7.9% YoY
-1.6% QoQ
|
+$80.8M |
$139.2M
+2.8% YoY
|
$7.7B
+9.6% YoY
|
$3.1B
+8.5% YoY
|
79% |
| Total Deposits ? |
$203.8M
+2.8% YoY
+2.2% QoQ
|
+$20.2M |
$183.7M
+1.8% YoY
|
$13.4B
+9.3% YoY
|
$4.7B
+6.3% YoY
|
61% |
| Return on Assets ? |
0.52%
+43.9% YoY
-27.1% QoQ
|
-0.56% |
1.08%
+14.7% YoY
|
0.81%
+24.4% YoY
|
1.12%
+15.6% YoY
|
19% |
| Net Interest Margin ? |
3.74%
+11.4% YoY
-6.2% QoQ
|
-0.11% |
3.85%
+6.6% YoY
|
3.17%
+6.5% YoY
|
3.75%
+7.1% YoY
|
46% |
| Efficiency Ratio ? |
80.61%
-5.0% YoY
+7.2% QoQ
|
+12.88% |
67.73%
-4.8% YoY
|
69.92%
-4.2% YoY
|
65.09%
-5.1% YoY
|
20% |
| Delinquency Rate ? |
4.92%
+160.0% YoY
-30.4% QoQ
|
+4.28% |
0.64%
+24.4% YoY
|
0.80%
-0.8% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
107.91%
+5.0% YoY
-3.7% QoQ
|
+33.38% |
74.53%
+0.5% YoY
|
82.25%
-0.1% YoY
|
78.04%
+0.7% YoY
|
Top 4% in tier |
| Non-Interest-Bearing Deposit Share ? |
12.11%
+35.3% YoY
-5.2% QoQ
|
-10.28% |
22.39%
-1.3% YoY
|
21.21%
-0.1% YoY
|
21.79%
-1.3% YoY
|
16% |
| Nonperforming Asset Ratio ? |
3.97%
+167.9% YoY
-32.7% QoQ
|
+3.52% |
0.45%
+25.1% YoY
|
0.51%
-4.9% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
12.36%
-2.1% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.18%
-19.4% YoY
+47.7% QoQ
|
-0.38% |
0.56%
+0.3% YoY
|
0.84%
+34.2% YoY
|
0.65%
+0.6% YoY
|
21% |
Signature Analysis
Strengths (1)
Loan-to-Deposit Ratio
metric
Top 4%
in Micro
Why this stands out
Current:
107.91%
(Tier avg: 74.53%, National avg: 78.04%)
Concerns (2)
Delinquency Rate
metric
Bottom 1%
in Micro
Why this stands out
Current:
4.92%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
3.97%
(Tier avg: 0.45%, National avg: 0.48%)
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
Loan-to-Deposit Ratio
Current: 107.91% · Tier avg: 74.53%
79
79th pctile
Total Loans
Current: $220.0M · Tier avg: $139.2M
66
66th pctile
Total Assets
Current: $272.6M · Tier avg: $217.5M
61
61th pctile
Total Deposits
Current: $203.8M · Tier avg: $183.7M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
46
46th pctile
Net Interest Margin
Current: 3.74% · Tier avg: 3.85%
21
21th pctile
Non-Interest Income / Assets
Current: 0.18% · Tier avg: 0.56%
20
20th pctile
Efficiency Ratio
Current: 80.61% · Tier avg: 67.73%
19
19th pctile
Return on Assets
Current: 0.52% · Tier avg: 1.08%
16
16th pctile
Non-Interest-Bearing Deposit Share
Current: 12.11% · Tier avg: 22.39%
0
0th pctile
Delinquency Rate
Current: 4.92% · Tier avg: 0.64%
0
0th pctile
Nonperforming Asset Ratio
Current: 3.97% · Tier avg: 0.45%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 3.97% · Tier avg: 0.45%
0
0th pctile
Delinquency Rate
Current: 4.92% · Tier avg: 0.64%
16
16th pctile
Non-Interest-Bearing Deposit Share
Current: 12.11% · Tier avg: 22.39%
19
19th pctile
Return on Assets
Current: 0.52% · Tier avg: 1.08%
20
20th pctile
Efficiency Ratio
Current: 80.61% · Tier avg: 67.73%
21
21th pctile
Non-Interest Income / Assets
Current: 0.18% · Tier avg: 0.56%
46
46th pctile
Net Interest Margin
Current: 3.74% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
61
61th pctile
Total Deposits
Current: $203.8M · Tier avg: $183.7M
66
66th pctile
Total Assets
Current: $272.6M · Tier avg: $217.5M
79
79th pctile
Total Loans
Current: $220.0M · Tier avg: $139.2M
96
96th pctile
Loan-to-Deposit Ratio
Current: 107.91% · Tier avg: 74.53%