BlastPoint's Banking Scorecard
Bank of Grandin
Micro
Specialty: Commercial
MO
FDIC cert 9392
Designations: ✓ Community bank
Grandin, MO
2498
banks in Micro tier nationally
125 in MO
View Micro leaderboard (MO) →
Bank of Grandin faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Delinquency Rate 2.52% above tier
- - Nonperforming Asset Ratio 1.60% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$234.7M
+5.1% YoY
+1.4% QoQ
|
+$17.2M |
$217.5M
+2.3% YoY
|
$1.5B
+13.3% YoY
|
$5.9B
+6.5% YoY
|
59% |
| Total Loans ? |
$148.6M
+16.1% YoY
+2.1% QoQ
|
+$9.4M |
$139.2M
+2.8% YoY
|
$962.2M
+12.2% YoY
|
$3.1B
+8.5% YoY
|
60% |
| Total Deposits ? |
$200.2M
+4.9% YoY
+1.6% QoQ
|
+$16.5M |
$183.7M
+1.8% YoY
|
$1.3B
+12.4% YoY
|
$4.7B
+6.3% YoY
|
60% |
| Return on Assets ? |
1.61%
+59.0% YoY
+2.2% QoQ
|
+0.52% |
1.08%
+14.7% YoY
|
1.34%
+11.8% YoY
|
1.12%
+15.6% YoY
|
79% |
| Net Interest Margin ? |
3.66%
+24.6% YoY
+1.9% QoQ
|
-0.19% |
3.85%
+6.6% YoY
|
3.96%
+8.2% YoY
|
3.75%
+7.1% YoY
|
43% |
| Efficiency Ratio ? |
53.22%
-17.3% YoY
-0.9% QoQ
|
-14.50% |
67.73%
-4.8% YoY
|
60.96%
-4.9% YoY
|
65.09%
-5.1% YoY
|
84% |
| Delinquency Rate ? |
3.16%
+28.1% YoY
+8.9% QoQ
|
+2.52% |
0.64%
+24.4% YoY
|
0.68%
+40.2% YoY
|
0.66%
+20.3% YoY
|
Bottom 6% in tier |
| Loan-to-Deposit Ratio ? |
74.23%
+10.7% YoY
+0.6% QoQ
|
-0.29% |
74.53%
+0.5% YoY
|
81.02%
+1.1% YoY
|
78.04%
+0.7% YoY
|
46% |
| Non-Interest-Bearing Deposit Share ? |
15.10%
+7.5% YoY
-3.4% QoQ
|
-7.30% |
22.39%
-1.3% YoY
|
21.00%
+0.9% YoY
|
21.79%
-1.3% YoY
|
24% |
| Nonperforming Asset Ratio ? |
2.05%
+39.9% YoY
+9.4% QoQ
|
+1.60% |
0.45%
+25.1% YoY
|
0.56%
+46.7% YoY
|
0.48%
+20.8% YoY
|
Bottom 6% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
8.09%
-3.5% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.28%
-8.5% YoY
+51.2% QoQ
|
-0.28% |
0.56%
+0.3% YoY
|
0.63%
+2.3% YoY
|
0.65%
+0.6% YoY
|
37% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Delinquency Rate
metric
Bottom 6%
in Micro
Why this stands out
Current:
3.16%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 6%
in Micro
Why this stands out
Current:
2.05%
(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
84
84th pctile
Efficiency Ratio
Current: 53.22% · Tier avg: 67.73%
79
79th pctile
Return on Assets
Current: 1.61% · Tier avg: 1.08%
60
60th pctile
Total Loans
Current: $148.6M · Tier avg: $139.2M
60
60th pctile
Total Deposits
Current: $200.2M · Tier avg: $183.7M
59
59th pctile
Total Assets
Current: $234.7M · Tier avg: $217.5M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
46
46th pctile
Loan-to-Deposit Ratio
Current: 74.23% · Tier avg: 74.53%
43
43th pctile
Net Interest Margin
Current: 3.66% · Tier avg: 3.85%
37
37th pctile
Non-Interest Income / Assets
Current: 0.28% · Tier avg: 0.56%
24
24th pctile
Non-Interest-Bearing Deposit Share
Current: 15.10% · Tier avg: 22.39%
6
6th pctile
Nonperforming Asset Ratio
Current: 2.05% · Tier avg: 0.45%
6
6th pctile
Delinquency Rate
Current: 3.16% · Tier avg: 0.64%
Top Weaknesses
6
6th pctile
Delinquency Rate
Current: 3.16% · Tier avg: 0.64%
6
6th pctile
Nonperforming Asset Ratio
Current: 2.05% · Tier avg: 0.45%
24
24th pctile
Non-Interest-Bearing Deposit Share
Current: 15.10% · Tier avg: 22.39%
37
37th pctile
Non-Interest Income / Assets
Current: 0.28% · Tier avg: 0.56%
43
43th pctile
Net Interest Margin
Current: 3.66% · Tier avg: 3.85%
46
46th pctile
Loan-to-Deposit Ratio
Current: 74.23% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
59
59th pctile
Total Assets
Current: $234.7M · Tier avg: $217.5M
60
60th pctile
Total Deposits
Current: $200.2M · Tier avg: $183.7M
60
60th pctile
Total Loans
Current: $148.6M · Tier avg: $139.2M
79
79th pctile
Return on Assets
Current: 1.61% · Tier avg: 1.08%
84
84th pctile
Efficiency Ratio
Current: 53.22% · Tier avg: 67.73%