BlastPoint's Banking Scorecard
Global One Bank
Designations: ✓ Minority Depository Institution
Houston, TX
2 branches across TX
Global One Bank has 1 strength but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.62% below tier average
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 4.3% in tier
- - Liquidity Overhang: Bottom 23.4% in tier
- - Credit Quality Pressure: Bottom 35.2% in tier
- - Return on Assets 1.07% below tier average
- - Net Interest Margin 0.11% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$317.0M
+22.5% YoY
+0.7% QoQ
|
-$69.1M |
$386.1M
+0.5% YoY
|
$2.3B
+1.1% YoY
|
$6.2B
+9.1% YoY
|
49% |
| Total Loans ? |
$249.9M
+30.9% YoY
+4.3% QoQ
|
-$5.9M |
$255.7M
+1.1% YoY
|
$1.1B
+10.2% YoY
|
$3.2B
+10.8% YoY
|
59% |
| Total Deposits ? |
$259.0M
+24.8% YoY
+0.8% QoQ
|
-$68.9M |
$328.0M
+0.1% YoY
|
$1.9B
+3.3% YoY
|
$4.8B
+8.2% YoY
|
46% |
| Return on Assets ? |
0.20%
-83.9% YoY
-88.3% QoQ
|
-1.07% |
1.27%
+12.9% YoY
|
1.40%
+10.3% YoY
|
1.23%
+13.4% YoY
|
Bottom 6.5% in tier |
| Net Interest Margin ? |
3.82%
-3.1% YoY
-7.9% QoQ
|
-0.11% |
3.93%
+6.0% YoY
|
4.03%
+2.6% YoY
|
3.89%
+5.7% YoY
|
47% |
| Efficiency Ratio ? |
87.95%
+75.8% YoY
+78.4% QoQ
|
+22.66% |
65.29%
-4.5% YoY
|
63.18%
-2.3% YoY
|
66.95%
-4.1% YoY
|
Bottom 7.9% in tier |
| Delinquency Rate ? | 0.26% | -0.62% |
0.89%
+18.8% YoY
|
0.96%
+36.6% YoY
|
0.95%
+18.8% YoY
|
59% |
| Loan-to-Deposit Ratio ? |
96.45%
+4.9% YoY
+3.5% QoQ
|
+19.81% |
76.64%
+0.8% YoY
|
67.20%
-0.8% YoY
|
76.70%
+0.9% YoY
|
Bottom 13.1% in tier |
| Non-Interest-Bearing Deposit Share ? |
10.80%
-7.8% YoY
-4.1% QoQ
|
-11.22% |
22.02%
-1.0% YoY
|
29.02%
-1.0% YoY
|
22.01%
-1.2% YoY
|
Bottom 12.2% in tier |
| Nonperforming Asset Ratio ? | 0.21% | -0.43% |
0.64%
+19.7% YoY
|
0.62%
+31.5% YoY
|
0.67%
+19.3% YoY
|
59% |
| Tier 1 Capital Ratio ? |
17.89%
-10.2% YoY
-0.9% QoQ
|
+2.06% |
15.83%
+1.5% YoY
|
18.04%
+0.0% YoY
|
17.06%
+0.8% YoY
|
81% |
| Non-Interest Income / Assets ? |
0.12%
-73.6% YoY
-92.1% QoQ
|
-0.16% |
0.28%
+9.3% YoY
|
0.20%
+4.0% YoY
|
0.32%
+4.1% YoY
|
63% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (3)
Efficiency Drag
riskEfficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.