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 0.52% above tier average
- + Net Interest Margin 0.15% above tier average
- + Efficiency Ratio 33.30% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 5.57% above tier average
- - Nonperforming Asset Ratio 2.47% 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
|
+$37.1M |
$62.2M
-0.6% YoY
|
$2.2B
+7.4% YoY
|
$6.2B
+9.1% YoY
|
Top 0.7% in tier |
| Total Loans ? |
$46.5M
-5.2% YoY
-2.1% QoQ
|
+$12.3M |
$34.2M
-1.4% YoY
|
$1.4B
+7.1% YoY
|
$3.2B
+10.8% YoY
|
71% |
| Total Deposits ? |
$82.1M
+9.0% YoY
-6.1% QoQ
|
+$30.4M |
$51.7M
-0.7% YoY
|
$1.8B
+10.6% YoY
|
$4.8B
+8.2% YoY
|
Top 5.7% in tier |
| Return on Assets ? |
1.36%
-0.1% YoY
+6.1% QoQ
|
+0.52% |
0.84%
-2.3% YoY
|
1.68%
+0.0% YoY
|
1.23%
+13.4% YoY
|
71% |
| Net Interest Margin ? |
4.01%
+0.6% YoY
-3.9% QoQ
|
+0.15% |
3.86%
+2.8% YoY
|
4.10%
+5.6% YoY
|
3.89%
+5.7% YoY
|
60% |
| Efficiency Ratio ? |
55.04%
-1.3% YoY
-5.9% QoQ
|
-33.30% |
88.34%
+0.3% YoY
|
58.72%
-5.9% YoY
|
66.95%
-4.1% YoY
|
Top 14.8% in tier |
| Delinquency Rate ? |
6.95%
+19.0% YoY
+23.7% QoQ
|
+5.57% |
1.37%
+33.8% YoY
|
1.39%
+43.4% YoY
|
0.95%
+18.8% YoY
|
Bottom 3.5% in tier |
| Loan-to-Deposit Ratio ? |
56.66%
-13.1% YoY
+4.2% QoQ
|
-7.55% |
64.22%
-0.7% YoY
|
68.91%
-1.7% YoY
|
76.70%
+0.9% YoY
|
62% |
| Non-Interest-Bearing Deposit Share ? |
23.19%
+7.8% YoY
+2.5% QoQ
|
-0.52% |
23.71%
+0.3% YoY
|
25.97%
-2.2% YoY
|
22.01%
-1.2% YoY
|
50% |
| Nonperforming Asset Ratio ? |
3.26%
+3.7% YoY
+27.4% QoQ
|
+2.47% |
0.79%
+28.2% YoY
|
0.81%
+60.9% YoY
|
0.67%
+19.3% YoY
|
Bottom 4.6% in tier |
| Tier 1 Capital Ratio ? |
15.86%
-4.4% YoY
-0.0% QoQ
|
-10.83% |
26.68%
+2.0% YoY
|
19.61%
+1.4% YoY
|
17.06%
+0.8% YoY
|
54% |
| Non-Interest Income / Assets ? |
0.06%
-8.0% YoY
-72.1% QoQ
|
-0.61% |
0.67%
+1.9% YoY
|
0.88%
+6.9% YoY
|
0.32%
+4.1% 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.