BlastPoint's Banking Scorecard
Garfield County Bank
Jordan, MT
2 branches across MT
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 23 in MT.
- Deposits +16.3% year over year ($90.6M on the books).
- Delinquency rate 8.53%.
- Return on assets 1.30%.
- Efficiency ratio 56.67% vs a 64.48% peer average.
- Loan-to-deposit ratio 52.38% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Garfield County Bank has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 7.81% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 7.61% above tier average
- - Nonperforming Asset Ratio 3.08% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$108.0M
+14.7% YoY
+8.8% QoQ
|
-$278.6M |
$386.6M
+1.2% YoY
|
$2.2B
+3.0% YoY
|
$6.3B
+7.7% YoY
|
Bottom 2.1% in tier |
| Total Loans ? |
$47.5M
-3.9% YoY
+2.0% QoQ
|
-$210.9M |
$258.3M
+1.7% YoY
|
$1.4B
+2.6% YoY
|
$3.2B
+9.4% YoY
|
Bottom 2.6% in tier |
| Total Deposits ? |
$90.6M
+16.3% YoY
+10.3% QoQ
|
-$236.1M |
$326.7M
+0.7% YoY
|
$1.8B
+4.6% YoY
|
$4.9B
+7.3% YoY
|
Bottom 2.6% in tier |
| Return on Assets ? |
1.30%
+14.4% YoY
-4.5% QoQ
|
-0.03% |
1.32%
+10.8% YoY
|
1.54%
-6.6% YoY
|
1.30%
+12.1% YoY
|
53% |
| Net Interest Margin ? |
4.02%
-2.2% YoY
+0.2% QoQ
|
+0.03% |
3.99%
+5.0% YoY
|
4.16%
+5.0% YoY
|
3.95%
+4.9% YoY
|
55% |
| Efficiency Ratio ? |
56.67%
-10.7% YoY
+3.0% QoQ
|
-7.81% |
64.48%
-3.2% YoY
|
60.98%
-0.5% YoY
|
70.05%
+2.5% YoY
|
67% |
| Delinquency Rate ? |
8.53%
+7.8% YoY
+22.8% QoQ
|
+7.61% |
0.92%
+15.7% YoY
|
1.28%
+29.2% YoY
|
0.98%
+16.3% YoY
|
Bottom 0.5% in tier |
| Loan-to-Deposit Ratio ? |
52.38%
-17.3% YoY
-7.6% QoQ
|
-25.57% |
77.95%
+1.0% YoY
|
70.68%
-1.2% YoY
|
79.03%
+2.3% YoY
|
Top 10.2% in tier |
| Non-Interest-Bearing Deposit Share ? |
23.19%
+4.0% YoY
+0.0% QoQ
|
+1.16% |
22.03%
-0.6% YoY
|
26.03%
+1.9% YoY
|
21.98%
-0.6% YoY
|
60% |
| Nonperforming Asset Ratio ? |
3.75%
-9.7% YoY
+15.2% QoQ
|
+3.08% |
0.67%
+16.4% YoY
|
0.78%
+50.1% YoY
|
0.69%
+15.8% YoY
|
Bottom 2.0% in tier |
| Tier 1 Capital Ratio ? |
15.82%
-5.7% YoY
-0.3% QoQ
|
-0.09% |
15.91%
+1.4% YoY
|
18.68%
-1.3% YoY
|
17.09%
+0.8% YoY
|
71% |
| Non-Interest Income / Assets ? |
0.11%
-7.3% YoY
+83.8% QoQ
|
-0.46% |
0.57%
+7.6% YoY
|
1.73%
+7.3% YoY
|
0.66%
+5.2% YoY
|
22% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
23.2%
+0.9pp YoY 0.0pp QoQ |
+1.0pp | 22.1% | 26.8% | 22.2% | 60% |
| Brokered Deposits | n/a | n/a | 7.9% | 10.6% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
10.7%
+1.5pp YoY +0.1pp QoQ |
-0.9pp | 11.6% | 14.3% | 12.5% | 57% |
| CRE | n/a | n/a | 39.5% | 42.8% | 41.4% | n/a |
| 1-4 Family |
4.9%
-0.2pp YoY -0.5pp QoQ |
-27.7pp | 32.6% | 26.0% | 31.3% | 5% |
| Consumer |
3.4%
-0.4pp YoY -0.3pp QoQ |
-0.7pp | 4.1% | 2.7% | 5.0% | 65% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 22.4% | 19.7% | n/a |
| Leverage Ratio |
15.8%
-1.0pp YoY 0.0pp QoQ |
+3.6pp | 12.2% | 13.2% | 12.6% | 90% |
| Total Capital Ratio | n/a | n/a | 19.9% | 23.5% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
9
-6 (-40.0%) YoY 0 QoQ |
-50 | 58 | 284 | 482 | 0% |
| Assets per Employee ($) |
$12.0M
+91.2% YoY +8.8% QoQ |
+$4.5M | $7.5M | $8.1M | $8.8M | 93% |
| Branch Count |
2
0 YoY 0 QoQ |
-3 | 4 | 21 | 18 | 11% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
7.1%
+0.5pp YoY +1.2pp QoQ |
+6.8pp | 0.3% | 0.6% | 0.4% | 100% |
| Nonaccrual |
1.4%
+0.1pp YoY +0.4pp QoQ |
+0.5pp | 0.9% | 1.1% | 1.0% | 80% |
| Allowance Coverage |
0.16x
-37.8% YoY -26.8% QoQ |
-23.99x | 24.15x | 3.69x | 20.23x | 1% |
| Net Charge-off Rate (YTD) |
0.2%
+0.3pp YoY |
+0.1pp | 0.1% | 0.0% | 0.2% | 88% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
8.5%
+1.4pp YoY -0.3pp QoQ |
-3.7pp | 12.2% | 14.2% | 11.6% | 28% |
| Cost of Funds (YTD) |
1.5%
-0.2pp YoY +0.1pp QoQ |
-0.2pp | 1.7% | 1.5% | 1.7% | 35% |
| Net Income ($, YTD) |
$674,000
+28.1% YoY — QoQ |
-$1.9M | $2.6M | $14.9M | $40.4M | 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)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.