BlastPoint's Banking Scorecard
The Granville National Bank
Granville, IL
2 branches across IL
The Granville National Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 6.43% below tier average
- + Delinquency Rate 0.41% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.25% below tier average
- - Net Interest Margin 0.66% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$118.2M
+4.1% YoY
+1.4% QoQ
|
-$267.9M |
$386.1M
+0.5% YoY
|
$2.3B
+4.5% YoY
|
$6.2B
+9.1% YoY
|
Bottom 5.4% in tier |
| Total Loans ? |
$53.0M
+3.1% YoY
+1.3% QoQ
|
-$202.7M |
$255.7M
+1.1% YoY
|
$1.2B
+5.3% YoY
|
$3.2B
+10.8% YoY
|
Bottom 3.6% in tier |
| Total Deposits ? |
$105.2M
+3.0% YoY
+1.7% QoQ
|
-$222.7M |
$328.0M
+0.1% YoY
|
$1.9B
+3.9% YoY
|
$4.8B
+8.2% YoY
|
Bottom 7.2% in tier |
| Return on Assets ? |
1.02%
+40.8% YoY
+7.0% QoQ
|
-0.25% |
1.27%
+12.9% YoY
|
1.04%
+3.0% YoY
|
1.23%
+13.4% YoY
|
39% |
| Net Interest Margin ? |
3.27%
+10.7% YoY
+5.6% QoQ
|
-0.66% |
3.93%
+6.0% YoY
|
3.61%
+7.5% YoY
|
3.89%
+5.7% YoY
|
21% |
| Efficiency Ratio ? |
58.86%
-15.2% YoY
+0.6% QoQ
|
-6.43% |
65.29%
-4.5% YoY
|
63.68%
-7.4% YoY
|
66.95%
-4.1% YoY
|
63% |
| Delinquency Rate ? |
0.48%
-5.3% YoY
-16.0% QoQ
|
-0.41% |
0.89%
+18.8% YoY
|
1.15%
+15.6% YoY
|
0.95%
+18.8% YoY
|
47% |
| Loan-to-Deposit Ratio ? |
50.39%
+0.1% YoY
-0.3% QoQ
|
-26.25% |
76.64%
+0.8% YoY
|
71.92%
+1.0% YoY
|
76.70%
+0.9% YoY
|
Top 9.7% in tier |
| Non-Interest-Bearing Deposit Share ? |
18.97%
-5.7% YoY
-2.0% QoQ
|
-3.05% |
22.02%
-1.0% YoY
|
20.45%
-1.2% YoY
|
22.01%
-1.2% YoY
|
40% |
| Nonperforming Asset Ratio ? |
0.21%
-6.2% YoY
-16.0% QoQ
|
-0.42% |
0.64%
+19.7% YoY
|
0.78%
+18.1% YoY
|
0.67%
+19.3% YoY
|
58% |
| Tier 1 Capital Ratio ? |
10.95%
+2.6% YoY
+1.1% QoQ
|
-4.88% |
15.83%
+1.5% YoY
|
16.97%
+0.7% YoY
|
17.06%
+0.8% YoY
|
22% |
| Non-Interest Income / Assets ? |
0.04%
-2.0% YoY
-79.5% QoQ
|
-0.24% |
0.28%
+9.3% YoY
|
0.34%
+6.9% YoY
|
0.32%
+4.1% YoY
|
15% |
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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)
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Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.