BlastPoint's Banking Scorecard
Grove Bank
Micro
Specialty: Other
MN
FDIC cert 8857
Designations: ✓ Community bank
Grove City, MN
2498
banks in Micro tier nationally
179 in MN
View Micro leaderboard (MN) →
Grove Bank faces 3 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 1.24% below tier
- - Efficiency Ratio 32.85% above tier
- - Non-Interest Income / Assets 0.48% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$56.6M
+6.7% YoY
-2.1% QoQ
|
-$160.9M |
$217.5M
+2.3% YoY
|
$508.2M
+6.2% YoY
|
$5.9B
+6.5% YoY
|
Bottom 9% in tier |
| Total Loans ? |
$35.6M
+2.3% YoY
+3.2% QoQ
|
-$103.6M |
$139.2M
+2.8% YoY
|
$283.0M
+6.2% YoY
|
$3.1B
+8.5% YoY
|
Bottom 13% in tier |
| Total Deposits ? |
$45.1M
+8.8% YoY
-2.5% QoQ
|
-$138.6M |
$183.7M
+1.8% YoY
|
$438.4M
+5.3% YoY
|
$4.7B
+6.3% YoY
|
Bottom 9% in tier |
| Return on Assets ? |
-0.16%
-624.6% YoY
+47.6% QoQ
|
-1.24% |
1.08%
+14.7% YoY
|
1.11%
+14.5% YoY
|
1.12%
+15.6% YoY
|
Bottom 5% in tier |
| Net Interest Margin ? |
4.17%
-0.6% YoY
+1.4% QoQ
|
+0.32% |
3.85%
+6.6% YoY
|
3.81%
+8.2% YoY
|
3.75%
+7.1% YoY
|
67% |
| Efficiency Ratio ? |
100.58%
+14.2% YoY
-5.0% QoQ
|
+32.85% |
67.73%
-4.8% YoY
|
65.34%
-5.0% YoY
|
65.09%
-5.1% YoY
|
Bottom 5% in tier |
| Delinquency Rate ? |
0.23%
-48.9% YoY
-20.7% QoQ
|
-0.41% |
0.64%
+24.4% YoY
|
0.65%
+17.8% YoY
|
0.66%
+20.3% YoY
|
60% |
| Loan-to-Deposit Ratio ? |
79.00%
-6.0% YoY
+5.9% QoQ
|
+4.47% |
74.53%
+0.5% YoY
|
76.97%
-0.8% YoY
|
78.04%
+0.7% YoY
|
45% |
| Non-Interest-Bearing Deposit Share ? |
18.18%
+3.8% YoY
+15.9% QoQ
|
-4.21% |
22.39%
-1.3% YoY
|
21.89%
-2.6% YoY
|
21.79%
-1.3% YoY
|
34% |
| Nonperforming Asset Ratio ? |
0.14%
-51.0% YoY
-16.4% QoQ
|
-0.31% |
0.45%
+25.1% YoY
|
0.46%
+7.5% YoY
|
0.48%
+20.8% YoY
|
62% |
| Tier 1 Capital Ratio ? |
13.44%
+26.1% YoY
-2.2% QoQ
|
+4.58% |
8.85%
-3.4% YoY
|
11.33%
-0.2% YoY
|
9.75%
-1.9% YoY
|
65% |
| Non-Interest Income / Assets ? |
0.09%
-19.4% YoY
+39.0% QoQ
|
-0.48% |
0.56%
+0.3% YoY
|
0.50%
+4.9% YoY
|
0.65%
+0.6% YoY
|
Bottom 6% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (3)
Return on Assets
metric
Bottom 5%
in Micro
Why this stands out
Current:
-0.16%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Bottom 5%
in Micro
Why this stands out
Current:
100.58%
(Tier avg: 67.73%, National avg: 65.09%)
Non-Interest Income / Assets
metric
Bottom 6%
in Micro
Why this stands out
Current:
0.09%
(Tier avg: 0.56%, National avg: 0.65%)
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
67
67th pctile
Net Interest Margin
Current: 4.17% · Tier avg: 3.85%
65
65th pctile
Tier 1 Capital Ratio
Current: 13.44% · Tier avg: 8.85%
62
62th pctile
Nonperforming Asset Ratio
Current: 0.14% · Tier avg: 0.45%
60
60th pctile
Delinquency Rate
Current: 0.23% · Tier avg: 0.64%
45
45th pctile
Loan-to-Deposit Ratio
Current: 79.00% · Tier avg: 74.53%
34
34th pctile
Non-Interest-Bearing Deposit Share
Current: 18.18% · Tier avg: 22.39%
13
13th pctile
Total Loans
Current: $35.6M · Tier avg: $139.2M
9
9th pctile
Total Assets
Current: $56.6M · Tier avg: $217.5M
9
9th pctile
Total Deposits
Current: $45.1M · Tier avg: $183.7M
6
6th pctile
Non-Interest Income / Assets
Current: 0.09% · Tier avg: 0.56%
5
5th pctile
Efficiency Ratio
Current: 100.58% · Tier avg: 67.73%
5
5th pctile
Return on Assets
Current: -0.16% · Tier avg: 1.08%
Top Weaknesses
5
5th pctile
Return on Assets
Current: -0.16% · Tier avg: 1.08%
5
5th pctile
Efficiency Ratio
Current: 100.58% · Tier avg: 67.73%
6
6th pctile
Non-Interest Income / Assets
Current: 0.09% · Tier avg: 0.56%
9
9th pctile
Total Deposits
Current: $45.1M · Tier avg: $183.7M
9
9th pctile
Total Assets
Current: $56.6M · Tier avg: $217.5M
13
13th pctile
Total Loans
Current: $35.6M · Tier avg: $139.2M
34
34th pctile
Non-Interest-Bearing Deposit Share
Current: 18.18% · Tier avg: 22.39%
45
45th pctile
Loan-to-Deposit Ratio
Current: 79.00% · Tier avg: 74.53%
60
60th pctile
Delinquency Rate
Current: 0.23% · Tier avg: 0.64%
62
62th pctile
Nonperforming Asset Ratio
Current: 0.14% · Tier avg: 0.45%
65
65th pctile
Tier 1 Capital Ratio
Current: 13.44% · Tier avg: 8.85%
67
67th pctile
Net Interest Margin
Current: 4.17% · Tier avg: 3.85%