BlastPoint's Banking Scorecard
Garfield County Bank
Designations: ✓ Community bank
Jordan, MT
2 branches across MT
Garfield County Bank has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.50% above tier average
- + Net Interest Margin 0.14% above tier average
- + Efficiency Ratio 32.58% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 5.58% above tier average
- - Nonperforming Asset Ratio 2.48% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$99.3M
+8.7% YoY
-4.9% QoQ
|
+$37.0M |
$62.3M
-0.5% YoY
|
$2.2B
+4.6% YoY
|
$6.2B
+9.0% YoY
|
Top 0.7% in tier |
| Total Loans ? |
$46.5M
-5.2% YoY
-2.1% QoQ
|
+$12.2M |
$34.3M
-1.5% YoY
|
$1.4B
+4.2% YoY
|
$3.2B
+10.7% YoY
|
71% |
| Total Deposits ? |
$82.1M
+9.0% YoY
-6.1% QoQ
|
+$30.3M |
$51.8M
-0.6% YoY
|
$1.8B
+7.6% YoY
|
$4.8B
+8.0% YoY
|
Top 5.8% in tier |
| Return on Assets ? |
1.36%
-0.1% YoY
+6.1% QoQ
|
+0.50% |
0.86%
-3.6% YoY
|
1.68%
-1.3% YoY
|
1.24%
+13.1% YoY
|
71% |
| Net Interest Margin ? |
4.01%
+0.6% YoY
-3.9% QoQ
|
+0.14% |
3.87%
+2.7% YoY
|
4.10%
+5.8% YoY
|
3.89%
+5.7% YoY
|
59% |
| Efficiency Ratio ? |
55.04%
-1.3% YoY
-5.9% QoQ
|
-32.58% |
87.63%
+2.3% YoY
|
58.72%
-5.2% YoY
|
66.84%
-3.8% YoY
|
Top 14.9% in tier |
| Delinquency Rate ? |
6.95%
+19.0% YoY
+23.7% QoQ
|
+5.58% |
1.36%
+33.7% YoY
|
1.39%
+39.3% YoY
|
0.95%
+18.8% YoY
|
Bottom 3.5% in tier |
| Loan-to-Deposit Ratio ? |
56.66%
-13.1% YoY
+4.2% QoQ
|
-7.45% |
64.11%
-0.9% YoY
|
68.91%
-2.0% YoY
|
76.69%
+0.9% YoY
|
62% |
| Non-Interest-Bearing Deposit Share ? |
23.19%
+7.8% YoY
+2.5% QoQ
|
-0.60% |
23.79%
+0.5% YoY
|
25.97%
-0.3% YoY
|
22.01%
-1.1% YoY
|
50% |
| Nonperforming Asset Ratio ? |
3.26%
+3.7% YoY
+27.4% QoQ
|
+2.48% |
0.77%
+28.7% YoY
|
0.81%
+56.4% YoY
|
0.66%
+19.3% YoY
|
Bottom 4.3% in tier |
| Tier 1 Capital Ratio ? |
15.86%
-4.4% YoY
-0.0% QoQ
|
-10.91% |
26.77%
+2.0% YoY
|
19.61%
+0.3% YoY
|
17.06%
+0.8% YoY
|
53% |
| Non-Interest Income / Assets ? |
0.06%
-8.0% YoY
-72.1% QoQ
|
-0.61% |
0.67%
+1.6% YoY
|
0.88%
+4.1% YoY
|
0.32%
+4.0% YoY
|
49% |
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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.