BlastPoint's Banking Scorecard
Grasshopper Bank, N.A.
Community
Specialty: Commercial
NY
FDIC cert 59113
New York, NY
1484
banks in Community tier nationally
50 in NY
View Community leaderboard (NY) →
Grasshopper Bank, N.A. has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 2% in Community
- + Revenue Diversifier: Top 13% in Community
Key Concerns
Areas that may need attention
- - NIB Deposit Bleed: Bottom 14% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.6B
+82.5% YoY
+12.1% QoQ
|
+$191.6M |
$1.4B
+2.0% YoY
|
$17.4B
+10.0% YoY
|
$5.9B
+6.5% YoY
|
72% |
| Total Loans ? |
$1.1B
+73.0% YoY
+6.6% QoQ
|
+$128.4M |
$975.5M
+2.4% YoY
|
$7.7B
+9.6% YoY
|
$3.1B
+8.5% YoY
|
72% |
| Total Deposits ? |
$1.4B
+77.6% YoY
+11.9% QoQ
|
+$259.5M |
$1.2B
+1.7% YoY
|
$13.4B
+9.3% YoY
|
$4.7B
+6.3% YoY
|
75% |
| Return on Assets ? |
2.71%
+208.9% QoQ
|
+1.55% |
1.16%
+17.2% YoY
|
0.81%
+24.4% YoY
|
1.12%
+15.6% YoY
|
Top 2% in tier |
| Net Interest Margin ? |
3.38%
+21.5% YoY
+2.2% QoQ
|
-0.29% |
3.66%
+9.1% YoY
|
3.17%
+6.5% YoY
|
3.75%
+7.1% YoY
|
35% |
| Efficiency Ratio ? |
75.59%
-23.4% YoY
-2.6% QoQ
|
+12.96% |
62.63%
-5.3% YoY
|
69.92%
-4.2% YoY
|
65.09%
-5.1% YoY
|
16% |
| Delinquency Rate ? |
0.55%
-40.1% YoY
-65.6% QoQ
|
-0.08% |
0.63%
+18.3% YoY
|
0.80%
-0.8% YoY
|
0.66%
+20.3% YoY
|
43% |
| Loan-to-Deposit Ratio ? |
77.52%
-2.6% YoY
-4.7% QoQ
|
-5.55% |
83.06%
+0.3% YoY
|
82.25%
-0.1% YoY
|
78.04%
+0.7% YoY
|
33% |
| Non-Interest-Bearing Deposit Share ? |
17.06%
-22.9% YoY
-9.7% QoQ
|
-3.98% |
21.05%
-0.9% YoY
|
21.21%
-0.1% YoY
|
21.79%
-1.3% YoY
|
35% |
| Nonperforming Asset Ratio ? |
0.39%
-42.0% YoY
-67.3% QoQ
|
-0.11% |
0.50%
+20.3% YoY
|
0.51%
-4.9% YoY
|
0.48%
+20.8% YoY
|
46% |
| Tier 1 Capital Ratio ? |
10.05%
-3.6% YoY
-1.7% QoQ
|
-0.19% |
10.24%
-0.6% YoY
|
12.36%
-2.1% YoY
|
9.75%
-1.9% YoY
|
31% |
| Non-Interest Income / Assets ? |
1.34%
+14.0% YoY
+30.1% QoQ
|
+0.60% |
0.74%
-1.3% YoY
|
0.84%
+34.2% YoY
|
0.65%
+0.6% YoY
|
Top 9% in tier |
Signature Analysis
Strengths (2)
Profitability Leader
growth
#8 of 371 · Top 2% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
2.71%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
Revenue Diversifier
growth
#50 of 371 · Top 13% 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:
1.34%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
2.71%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
|
QoQ rank improving
Concerns (1)
NIB Deposit Bleed
decline
#13 of 89 · Bottom 14% 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:
17.06%
(Tier: 21.05%, National: 21.79%)
89 of 89 Community banks match
·
98 nationally
→ Stable
-10 banks QoQ
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: 2.71% · Tier avg: 1.16%
91
91th pctile
Non-Interest Income / Assets
Current: 1.34% · Tier avg: 0.74%
75
75th pctile
Total Deposits
Current: $1.4B · Tier avg: $1.2B
72
72th pctile
Total Assets
Current: $1.6B · Tier avg: $1.4B
72
72th pctile
Total Loans
Current: $1.1B · Tier avg: $975.5M
46
46th pctile
Nonperforming Asset Ratio
Current: 0.39% · Tier avg: 0.50%
43
43th pctile
Delinquency Rate
Current: 0.55% · Tier avg: 0.63%
35
35th pctile
Net Interest Margin
Current: 3.38% · Tier avg: 3.66%
35
35th pctile
Non-Interest-Bearing Deposit Share
Current: 17.06% · Tier avg: 21.05%
33
33th pctile
Loan-to-Deposit Ratio
Current: 77.52% · Tier avg: 83.06%
31
31th pctile
Tier 1 Capital Ratio
Current: 10.05% · Tier avg: 10.24%
16
16th pctile
Efficiency Ratio
Current: 75.59% · Tier avg: 62.63%
Top Weaknesses
16
16th pctile
Efficiency Ratio
Current: 75.59% · Tier avg: 62.63%
31
31th pctile
Tier 1 Capital Ratio
Current: 10.05% · Tier avg: 10.24%
33
33th pctile
Loan-to-Deposit Ratio
Current: 77.52% · Tier avg: 83.06%
35
35th pctile
Non-Interest-Bearing Deposit Share
Current: 17.06% · Tier avg: 21.05%
35
35th pctile
Net Interest Margin
Current: 3.38% · Tier avg: 3.66%
43
43th pctile
Delinquency Rate
Current: 0.55% · Tier avg: 0.63%
46
46th pctile
Nonperforming Asset Ratio
Current: 0.39% · Tier avg: 0.50%
72
72th pctile
Total Loans
Current: $1.1B · Tier avg: $975.5M
72
72th pctile
Total Assets
Current: $1.6B · Tier avg: $1.4B
75
75th pctile
Total Deposits
Current: $1.4B · Tier avg: $1.2B
91
91th pctile
Non-Interest Income / Assets
Current: 1.34% · Tier avg: 0.74%
98
98th pctile
Return on Assets
Current: 2.71% · Tier avg: 1.16%