BlastPoint's Banking Scorecard
Grand Timber Bank
Designations: ✓ Community bank
Mcgregor, MN
Grand Timber Bank has 3 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 2.11% above tier average
- + ROA 0.68% above tier average
- + Efficiency Ratio 25.78% below tier average
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 37.17% above tier average
- - Nonperforming Asset Ratio 1.46% above tier average
- - Delinquency Rate 0.99% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$65.2M
+6.8% YoY
+2.1% QoQ
|
+$3.0M |
$62.2M
-0.6% YoY
|
$512.9M
+5.5% YoY
|
$6.2B
+9.1% YoY
|
51% |
| Total Loans ? |
$54.4M
+4.0% YoY
-2.2% QoQ
|
+$20.1M |
$34.2M
-1.4% YoY
|
$288.3M
+6.9% YoY
|
$3.2B
+10.8% YoY
|
82% |
| Total Deposits ? |
$53.6M
+6.6% YoY
+2.1% QoQ
|
+$1.9M |
$51.7M
-0.7% YoY
|
$443.8M
+5.0% YoY
|
$4.8B
+8.2% YoY
|
51% |
| Return on Assets ? |
1.52%
+45.5% YoY
+3.9% QoQ
|
+0.68% |
0.84%
-2.3% YoY
|
1.13%
+10.7% YoY
|
1.23%
+13.4% YoY
|
79% |
| Net Interest Margin ? |
5.97%
+6.2% YoY
-2.3% QoQ
|
+2.11% |
3.86%
+2.8% YoY
|
3.93%
+7.5% YoY
|
3.89%
+5.7% YoY
|
Top 2.0% in tier |
| Efficiency Ratio ? |
62.57%
-2.9% YoY
+3.4% QoQ
|
-25.78% |
88.34%
+0.3% YoY
|
64.77%
-3.3% YoY
|
66.95%
-4.1% YoY
|
70% |
| Delinquency Rate ? |
2.37%
+0.8% YoY
-23.3% QoQ
|
+0.99% |
1.37%
+33.8% YoY
|
1.04%
+28.9% YoY
|
0.95%
+18.8% YoY
|
18% |
| Loan-to-Deposit Ratio ? |
101.38%
-2.5% YoY
-4.2% QoQ
|
+37.17% |
64.22%
-0.7% YoY
|
76.69%
-0.4% YoY
|
76.70%
+0.9% YoY
|
Bottom 6.1% in tier |
| Non-Interest-Bearing Deposit Share ? |
29.89%
-3.1% YoY
-3.9% QoQ
|
+6.18% |
23.71%
+0.3% YoY
|
21.87%
-0.9% YoY
|
22.01%
-1.2% YoY
|
73% |
| Nonperforming Asset Ratio ? |
2.24%
+11.6% YoY
-16.5% QoQ
|
+1.46% |
0.79%
+28.2% YoY
|
0.77%
+27.1% YoY
|
0.67%
+19.3% YoY
|
Bottom 8.7% in tier |
| Tier 1 Capital Ratio ? |
14.20%
+2.4% YoY
+4.9% QoQ
|
-12.49% |
26.68%
+2.0% YoY
|
15.37%
+0.7% YoY
|
17.06%
+0.8% YoY
|
41% |
| Non-Interest Income / Assets ? |
0.03%
-63.3% YoY
-78.9% QoQ
|
-0.64% |
0.67%
+1.9% YoY
|
0.16%
+5.0% YoY
|
0.32%
+4.1% YoY
|
23% |
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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.