BlastPoint's Banking Scorecard

Grant County State Bank

$100M-$1B Specialty: Other IN FDIC cert 15687

Swayzee, IN

3 branches across IN

2664 banks in the $100M-$1B peer group nationally 60 in IN

Grant County State Bank has 3 strengths but faces 3 concerns

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

+ Return on Assets 1.61% above tier average
+ Efficiency Ratio 42.55% below tier average
+ Net Interest Margin 0.05% above tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 18.1% in tier
- Credit Risk Growth: Bottom 26.5% in tier
- Non-Interest Income / Assets 0.25% below tier average

Get updates when Grant County State Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
Total Assets ?	$395.9M +7.1% YoY +1.9% QoQ	+$9.8M	$386.1M +0.5% YoY	$2.5B +12.1% YoY	$6.2B +9.1% YoY	61%
Total Loans ?	$309.2M +7.4% YoY +1.1% QoQ	+$53.5M	$255.7M +1.1% YoY	$1.7B +14.1% YoY	$3.2B +10.8% YoY	69%
Total Deposits ?	$308.3M +8.2% YoY -0.1% QoQ	-$19.7M	$328.0M +0.1% YoY	$2.0B +11.8% YoY	$4.8B +8.2% YoY	56%
Return on Assets ?	2.87% -5.6% YoY -3.7% QoQ	+1.61%	1.27% +12.9% YoY	0.81% -6.6% YoY	1.23% +13.4% YoY	Top 2.4% in tier
Net Interest Margin ?	3.98% -4.3% YoY -7.3% QoQ	+0.05%	3.93% +6.0% YoY	3.60% +8.5% YoY	3.89% +5.7% YoY	56%
Efficiency Ratio ?	22.73% -3.2% YoY +3.8% QoQ	-42.55%	65.29% -4.5% YoY	105.71% +27.0% YoY	66.95% -4.1% YoY	Top 0.3% in tier
Delinquency Rate ?	1.90% +2.7% YoY -10.3% QoQ	+1.01%	0.89% +18.8% YoY	0.90% +15.9% YoY	0.95% +18.8% YoY	Bottom 13.5% in tier
Loan-to-Deposit Ratio ?	100.28% -0.7% YoY +1.2% QoQ	+23.64%	76.64% +0.8% YoY	81.10% +0.7% YoY	76.70% +0.9% YoY	Bottom 8.2% in tier
Non-Interest-Bearing Deposit Share ?	13.78% +5.6% YoY +2.9% QoQ	-8.24%	22.02% -1.0% YoY	17.15% -0.9% YoY	22.01% -1.2% YoY	20%
Nonperforming Asset Ratio ?	1.52% +5.8% YoY -10.8% QoQ	+0.89%	0.64% +19.7% YoY	0.67% +21.6% YoY	0.67% +19.3% YoY	Bottom 11.2% in tier
Tier 1 Capital Ratio ?	18.27% -11.5% YoY +3.8% QoQ	+2.44%	15.83% +1.5% YoY	16.04% +1.8% YoY	17.06% +0.8% YoY	82%
Non-Interest Income / Assets ?	0.03% -12.1% YoY -79.5% QoQ	-0.25%	0.28% +9.3% YoY	0.79% -14.5% YoY	0.32% +4.1% YoY	Bottom 7.4% in tier

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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 (2)

Liquidity Overhang

risk

#135 of 739 • Bottom 18.1% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 18.27%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 100.28%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

739 of 739 Community banks match · 939 nationally

→ Stable +13 banks QoQ | QoQ rank improving

Credit Risk Growth

risk

#259 of 973 • Bottom 26.5% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

973 of 973 Community banks match · 1464 nationally

→ Stable -10 banks QoQ | QoQ rank improving

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 (3 metrics)

Efficiency Ratio

profitability

Value: 22.73%

Peer Median: 65.29%

#9 of 2664 Top 0.3% in $100M-$1B

Return on Assets

profitability

Value: 2.87%

Peer Median: 1.27%

#64 of 2664 Top 2.4% in $100M-$1B

483

Tier 1 Capital Ratio

capital

Value: 18.27%

Peer Median: 15.83%

#483 of 2664 Top 18.1% in $100M-$1B

Top Weaknesses (5 metrics)

2469

Non-Interest Income / Assets

revenue_mix

Value: 0.03%

Peer Median: 0.28%

#2469 of 2664 Bottom 7.4% in $100M-$1B

2447

Loan-to-Deposit Ratio

liquidity

Value: 100.28%

Peer Median: 76.64%

#2447 of 2664 Bottom 8.2% in $100M-$1B

2366

Nonperforming Asset Ratio

credit_quality

Value: 1.52%

Peer Median: 0.64%

#2366 of 2664 Bottom 11.2% in $100M-$1B

2297

Delinquency Rate

credit_quality

Value: 1.90%

Peer Median: 0.89%

#2297 of 2654 Bottom 13.5% in $100M-$1B

2137

Non-Interest-Bearing Deposit Share

funding

Value: 13.78%

Peer Median: 22.02%

#2137 of 2664 Bottom 19.8% in $100M-$1B