BlastPoint's Banking Scorecard
GBank
Community
Specialty: Commercial
NV
FDIC cert 58626
Las Vegas, NV
1484
banks in Community tier nationally
5 in NV
View Community leaderboard (NV) →
GBank has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 8% in Community
- + Return on Assets 0.84% above tier
Key Concerns
Areas that may need attention
- - NIB Deposit Bleed: Bottom 19% in Community
- - Delinquency Rate 2.69% above tier
- - Nonperforming Asset Ratio 2.26% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.4B
+21.2% YoY
+4.5% QoQ
|
-$35.9M |
$1.4B
+2.0% YoY
|
$3.2B
+14.2% YoY
|
$5.9B
+6.5% YoY
|
65% |
| Total Loans ? |
$995.4M
+18.6% YoY
-0.1% QoQ
|
+$19.9M |
$975.5M
+2.4% YoY
|
$1.5B
+26.6% YoY
|
$3.1B
+8.5% YoY
|
67% |
| Total Deposits ? |
$1.2B
+19.9% YoY
+4.6% QoQ
|
-$11.7M |
$1.2B
+1.7% YoY
|
$2.0B
+4.4% YoY
|
$4.7B
+6.3% YoY
|
65% |
| Return on Assets ? |
2.00%
-5.6% YoY
+7.3% QoQ
|
+0.84% |
1.16%
+17.2% YoY
|
1.39%
+1.9% YoY
|
1.12%
+15.6% YoY
|
Top 9% in tier |
| Net Interest Margin ? |
4.45%
-10.2% YoY
-0.0% QoQ
|
+0.78% |
3.66%
+9.1% YoY
|
3.77%
+2.0% YoY
|
3.75%
+7.1% YoY
|
Top 14% in tier |
| Efficiency Ratio ? |
53.23%
+2.3% YoY
-0.8% QoQ
|
-9.40% |
62.63%
-5.3% YoY
|
57.14%
-2.3% YoY
|
65.09%
-5.1% YoY
|
77% |
| Delinquency Rate ? |
3.31%
+96.4% YoY
-5.0% QoQ
|
+2.69% |
0.63%
+18.3% YoY
|
1.13%
+57.4% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
86.34%
-1.1% YoY
-4.5% QoQ
|
+3.28% |
83.06%
+0.3% YoY
|
79.84%
-0.5% YoY
|
78.04%
+0.7% YoY
|
55% |
| Non-Interest-Bearing Deposit Share ? |
19.45%
-29.6% YoY
-9.9% QoQ
|
-1.60% |
21.05%
-0.9% YoY
|
23.03%
-6.8% YoY
|
21.79%
-1.3% YoY
|
47% |
| Nonperforming Asset Ratio ? |
2.76%
+117.8% YoY
-4.5% QoQ
|
+2.26% |
0.50%
+20.3% YoY
|
0.59%
-6.4% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
6.71%
-20.9% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
1.84%
+27.7% YoY
+32.0% QoQ
|
+1.10% |
0.74%
-1.3% YoY
|
0.78%
-34.8% YoY
|
0.65%
+0.6% YoY
|
Top 5% in tier |
Signature Analysis
Strengths (2)
Revenue Diversifier
growth
#31 of 371 · Top 8% in Community
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
1.84%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
2.00%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
|
QoQ rank improving
Return on Assets
metric
Top 9%
in Community
Why this stands out
Current:
2.00%
(Tier avg: 1.16%, National avg: 1.12%)
Concerns (3)
NIB Deposit Bleed
decline
#18 of 89 · Bottom 19% in Community
Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.
Why this signature
Noninterest-Bearing Deposit Share:
19.45%
(Tier: 21.05%, National: 21.79%)
89 of 89 Community banks match
·
98 nationally
→ Stable
-10 banks QoQ
Delinquency Rate
metric
Bottom 1%
in Community
Why this stands out
Current:
3.31%
(Tier avg: 0.63%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Community
Why this stands out
Current:
2.76%
(Tier avg: 0.50%, 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
95
95th pctile
Non-Interest Income / Assets
Current: 1.84% · Tier avg: 0.74%
91
91th pctile
Return on Assets
Current: 2.00% · Tier avg: 1.16%
86
86th pctile
Net Interest Margin
Current: 4.45% · Tier avg: 3.66%
77
77th pctile
Efficiency Ratio
Current: 53.23% · Tier avg: 62.63%
67
67th pctile
Total Loans
Current: $995.4M · Tier avg: $975.5M
65
65th pctile
Total Deposits
Current: $1.2B · Tier avg: $1.2B
65
65th pctile
Total Assets
Current: $1.4B · Tier avg: $1.4B
55
55th pctile
Loan-to-Deposit Ratio
Current: 86.34% · Tier avg: 83.06%
47
47th pctile
Non-Interest-Bearing Deposit Share
Current: 19.45% · Tier avg: 21.05%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
0
0th pctile
Delinquency Rate
Current: 3.31% · Tier avg: 0.63%
0
0th pctile
Nonperforming Asset Ratio
Current: 2.76% · Tier avg: 0.50%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 2.76% · Tier avg: 0.50%
0
0th pctile
Delinquency Rate
Current: 3.31% · Tier avg: 0.63%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
47
47th pctile
Non-Interest-Bearing Deposit Share
Current: 19.45% · Tier avg: 21.05%
55
55th pctile
Loan-to-Deposit Ratio
Current: 86.34% · Tier avg: 83.06%
65
65th pctile
Total Assets
Current: $1.4B · Tier avg: $1.4B
65
65th pctile
Total Deposits
Current: $1.2B · Tier avg: $1.2B
67
67th pctile
Total Loans
Current: $995.4M · Tier avg: $975.5M
77
77th pctile
Efficiency Ratio
Current: 53.23% · Tier avg: 62.63%
86
86th pctile
Net Interest Margin
Current: 4.45% · Tier avg: 3.66%
91
91th pctile
Return on Assets
Current: 2.00% · Tier avg: 1.16%
95
95th pctile
Non-Interest Income / Assets
Current: 1.84% · Tier avg: 0.74%