BlastPoint's Banking Scorecard
Grant County State Bank
Micro
Specialty: Agricultural
ND
FDIC cert 9417
Designations: ✓ Community bank
Carson, ND
2498
banks in Micro tier nationally
40 in ND
View Micro leaderboard (ND) →
Grant County State Bank has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% below tier
Key Concerns
Areas that may need attention
- - Non-Interest Income / Assets 0.48% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$47.0M
+4.7% YoY
+10.1% QoQ
|
-$170.5M |
$217.5M
+2.3% YoY
|
$1.1B
+4.8% YoY
|
$5.9B
+6.5% YoY
|
Bottom 6% in tier |
| Total Loans ? |
$23.2M
-15.7% YoY
-15.5% QoQ
|
-$115.9M |
$139.2M
+2.8% YoY
|
$765.4M
+5.0% YoY
|
$3.1B
+8.5% YoY
|
Bottom 8% in tier |
| Total Deposits ? |
$40.6M
+5.4% YoY
+12.1% QoQ
|
-$143.0M |
$183.7M
+1.8% YoY
|
$905.0M
+3.6% YoY
|
$4.7B
+6.3% YoY
|
Bottom 7% in tier |
| Return on Assets ? |
1.88%
-40.4% YoY
-13.7% QoQ
|
+0.80% |
1.08%
+14.7% YoY
|
1.32%
+12.0% YoY
|
1.12%
+15.6% YoY
|
Top 12% in tier |
| Net Interest Margin ? |
4.84%
-18.1% YoY
-1.8% QoQ
|
+0.99% |
3.85%
+6.6% YoY
|
3.71%
+7.8% YoY
|
3.75%
+7.1% YoY
|
Top 12% in tier |
| Efficiency Ratio ? |
59.51%
+32.7% YoY
+11.0% QoQ
|
-8.21% |
67.73%
-4.8% YoY
|
61.23%
-5.7% YoY
|
65.09%
-5.1% YoY
|
68% |
| Delinquency Rate ? | 0.00% | -0.64% |
0.64%
+24.4% YoY
|
0.75%
+12.5% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
57.23%
-20.1% YoY
-24.6% QoQ
|
-17.30% |
74.53%
+0.5% YoY
|
72.91%
+0.6% YoY
|
78.04%
+0.7% YoY
|
79% |
| Non-Interest-Bearing Deposit Share ? |
25.96%
+4.9% YoY
+12.6% QoQ
|
+3.57% |
22.39%
-1.3% YoY
|
21.38%
-4.0% YoY
|
21.79%
-1.3% YoY
|
67% |
| Nonperforming Asset Ratio ? | 0.00% | -0.45% |
0.45%
+25.1% YoY
|
0.49%
+9.5% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
7.43%
-1.1% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.08%
-48.0% YoY
+24.5% QoQ
|
-0.48% |
0.56%
+0.3% YoY
|
0.45%
-9.1% YoY
|
0.65%
+0.6% YoY
|
Bottom 5% in tier |
Signature Analysis
Strengths (2)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Concerns (1)
Non-Interest Income / Assets
metric
Bottom 5%
in Micro
Why this stands out
Current:
0.08%
(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
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
88
88th pctile
Return on Assets
Current: 1.88% · Tier avg: 1.08%
88
88th pctile
Net Interest Margin
Current: 4.84% · Tier avg: 3.85%
79
79th pctile
Loan-to-Deposit Ratio
Current: 57.23% · Tier avg: 74.53%
68
68th pctile
Efficiency Ratio
Current: 59.51% · Tier avg: 67.73%
67
67th pctile
Non-Interest-Bearing Deposit Share
Current: 25.96% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
8
8th pctile
Total Loans
Current: $23.2M · Tier avg: $139.2M
7
7th pctile
Total Deposits
Current: $40.6M · Tier avg: $183.7M
6
6th pctile
Total Assets
Current: $47.0M · Tier avg: $217.5M
5
5th pctile
Non-Interest Income / Assets
Current: 0.08% · Tier avg: 0.56%
Top Weaknesses
5
5th pctile
Non-Interest Income / Assets
Current: 0.08% · Tier avg: 0.56%
6
6th pctile
Total Assets
Current: $47.0M · Tier avg: $217.5M
7
7th pctile
Total Deposits
Current: $40.6M · Tier avg: $183.7M
8
8th pctile
Total Loans
Current: $23.2M · Tier avg: $139.2M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
67
67th pctile
Non-Interest-Bearing Deposit Share
Current: 25.96% · Tier avg: 22.39%
68
68th pctile
Efficiency Ratio
Current: 59.51% · Tier avg: 67.73%
79
79th pctile
Loan-to-Deposit Ratio
Current: 57.23% · Tier avg: 74.53%
88
88th pctile
Net Interest Margin
Current: 4.84% · Tier avg: 3.85%
88
88th pctile
Return on Assets
Current: 1.88% · Tier avg: 1.08%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%