BlastPoint's Banking Scorecard

The Grant County Bank

$100M-$1B Specialty: Commercial WV FDIC cert 11953

Petersburg, WV

7 branches across WV

2664 banks in the $100M-$1B peer group nationally 33 in WV

The Grant County Bank has 1 strength but faces 1 concern

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Net Interest Margin 0.42% above tier average

Key Concerns

Areas that may need attention

- Delinquency Rate 0.27% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (WV)	National Avg	Tier Percentile
Total Assets ?	$396.9M +8.4% YoY +0.0% QoQ	+$10.8M	$386.1M +0.5% YoY	$1.2B +2.9% YoY	$6.2B +9.1% YoY	61%
Total Loans ?	$299.6M +7.1% YoY +0.2% QoQ	+$43.9M	$255.7M +1.1% YoY	$864.0M +4.3% YoY	$3.2B +10.8% YoY	68%
Total Deposits ?	$343.1M +10.4% YoY -0.1% QoQ	+$15.2M	$328.0M +0.1% YoY	$1.0B +3.7% YoY	$4.8B +8.2% YoY	62%
Return on Assets ?	1.24% +22.3% YoY +26.6% QoQ	-0.03%	1.27% +12.9% YoY	0.95% +29.1% YoY	1.23% +13.4% YoY	52%
Net Interest Margin ?	4.35% +6.5% YoY +2.4% QoQ	+0.42%	3.93% +6.0% YoY	3.79% +9.5% YoY	3.89% +5.7% YoY	76%
Efficiency Ratio ?	65.27% -2.4% YoY -1.6% QoQ	-0.02%	65.29% -4.5% YoY	70.57% -7.5% YoY	66.95% -4.1% YoY	44%
Delinquency Rate ?	1.16% -25.7% YoY -2.4% QoQ	+0.27%	0.89% +18.8% YoY	0.74% +24.2% YoY	0.95% +18.8% YoY	25%
Loan-to-Deposit Ratio ?	87.30% -3.0% YoY +0.2% QoQ	+10.67%	76.64% +0.8% YoY	78.35% +1.2% YoY	76.70% +0.9% YoY	30%
Non-Interest-Bearing Deposit Share ?	24.26% -3.7% YoY +4.2% QoQ	+2.24%	22.02% -1.0% YoY	26.63% -0.0% YoY	22.01% -1.2% YoY	64%
Nonperforming Asset Ratio ?	0.96% -28.3% YoY -1.2% QoQ	+0.32%	0.64% +19.7% YoY	0.57% +21.1% YoY	0.67% +19.3% YoY	20%
Tier 1 Capital Ratio ?	11.07% -2.1% YoY +1.2% QoQ	-4.76%	15.83% +1.5% YoY	14.22% +0.9% YoY	17.06% +0.8% YoY	24%
Non-Interest Income / Assets ?	0.12% +0.3% YoY -74.2% QoQ	-0.16%	0.28% +9.3% YoY	0.14% -2.1% YoY	0.32% +4.1% YoY	61%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (1 metrics)

645

Net Interest Margin

profitability

Value: 4.35%

Peer Median: 3.93%

#645 of 2664 Top 24.2% in $100M-$1B

Top Weaknesses (3 metrics)

2122

Nonperforming Asset Ratio

credit_quality

Value: 0.96%

Peer Median: 0.64%

#2122 of 2664 Bottom 20.4% in $100M-$1B

2033

Tier 1 Capital Ratio

capital

Value: 11.07%

Peer Median: 15.83%

#2033 of 2664 Bottom 23.7% in $100M-$1B

1994

Delinquency Rate

credit_quality

Value: 1.16%

Peer Median: 0.89%

#1994 of 2654 Bottom 24.9% in $100M-$1B