BlastPoint's Banking Scorecard
American State Bank of Grygla
Designations: ✓ Community bank
Grygla, MN
2 branches across MN
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 536 banks in the under $100M peer group nationwide — 1 of 52 in MN.
- Deposits -5.1% year over year ($73.9M on the books).
- Delinquency rate 0.00%.
- Return on assets 1.46%.
- Efficiency ratio 61.67% vs a 119.40% peer average.
- Loan-to-deposit ratio 56.46% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
American State Bank of Grygla has 4 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 1.48% below tier average
- + Nonperforming Asset Ratio 0.84% below tier average
- + ROA 0.46% above tier average
- + Efficiency Ratio 57.72% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.20% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$81.8M
-3.4% YoY
+0.7% QoQ
|
+$19.3M |
$62.4M
-0.0% YoY
|
$524.5M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
74% |
| Total Loans ? |
$41.7M
-1.2% YoY
+2.2% QoQ
|
+$6.8M |
$34.9M
-0.6% YoY
|
$300.2M
+7.3% YoY
|
$3.2B
+9.4% YoY
|
64% |
| Total Deposits ? |
$73.9M
-5.1% YoY
+0.1% QoQ
|
+$22.3M |
$51.6M
-0.2% YoY
|
$452.1M
+5.5% YoY
|
$4.9B
+7.3% YoY
|
81% |
| Return on Assets ? |
1.46%
+6.6% YoY
+30.6% QoQ
|
+0.46% |
1.00%
+3.5% YoY
|
1.26%
+17.2% YoY
|
1.30%
+12.1% YoY
|
73% |
| Net Interest Margin ? |
3.71%
+6.9% YoY
+2.7% QoQ
|
-0.20% |
3.91%
+2.3% YoY
|
4.00%
+6.8% YoY
|
3.95%
+4.9% YoY
|
40% |
| Efficiency Ratio ? |
61.67%
-0.2% YoY
-7.1% QoQ
|
-57.72% |
119.40%
+49.6% YoY
|
63.00%
-3.5% YoY
|
70.05%
+2.5% YoY
|
71% |
| Delinquency Rate ? | 0.00% | -1.48% |
1.48%
+31.8% YoY
|
1.01%
+19.3% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
56.46%
+4.1% YoY
+2.1% QoQ
|
-17.75% |
74.21%
+12.6% YoY
|
78.29%
-0.6% YoY
|
79.03%
+2.3% YoY
|
64% |
| Non-Interest-Bearing Deposit Share ? |
24.89%
-12.9% YoY
+3.7% QoQ
|
+1.40% |
23.49%
+0.6% YoY
|
21.79%
+0.9% YoY
|
21.98%
-0.6% YoY
|
57% |
| Nonperforming Asset Ratio ? | 0.00% | -0.84% |
0.84%
+23.0% YoY
|
0.76%
+16.9% YoY
|
0.69%
+15.8% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
10.83%
+9.6% YoY
+1.3% QoQ
|
-16.30% |
27.13%
+3.0% YoY
|
15.35%
-0.4% YoY
|
17.09%
+0.8% YoY
|
Bottom 11.6% in tier |
| Non-Interest Income / Assets ? |
0.29%
+0.6% YoY
+69.8% QoQ
|
-1.09% |
1.38%
+6.3% YoY
|
0.31%
+3.9% YoY
|
0.66%
+5.2% YoY
|
83% |
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 (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
24.9%
-3.7pp YoY +0.9pp QoQ |
+0.3pp | 24.6% | 21.9% | 22.2% | 54% |
| Brokered Deposits | n/a | n/a | 9.8% | 8.3% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
18.9%
-0.4pp YoY -1.8pp QoQ |
+5.5pp | 13.4% | 14.6% | 12.5% | 77% |
| CRE | n/a | n/a | 25.2% | 36.5% | 41.4% | n/a |
| 1-4 Family |
26.9%
+2.3pp YoY -0.3pp QoQ |
-8.1pp | 35.0% | 29.4% | 31.3% | 46% |
| Consumer |
11.8%
+0.5pp YoY +0.3pp QoQ |
+4.1pp | 7.7% | 4.5% | 5.0% | 83% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 16.5% | 19.7% | n/a |
| Leverage Ratio |
10.8%
+0.9pp YoY +0.1pp QoQ |
-6.9pp | 17.7% | 11.0% | 12.6% | 27% |
| Total Capital Ratio | n/a | n/a | 39.7% | 17.6% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
14
-2 (-12.5%) YoY 0 QoQ |
+2 | 12 | 55 | 482 | 67% |
| Assets per Employee ($) |
$5.8M
+10.4% YoY +0.7% QoQ |
-$348K | $6.2M | $8.6M | $8.8M | 48% |
| Branch Count |
2
0 YoY 0 QoQ |
+0 | 1 | 4 | 18 | 63% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.4% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 1.7% | 1.0% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 6.41x | 20.41x | 20.23x | n/a |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.2% | 0.2% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
16.4%
-2.2pp YoY +3.7pp QoQ |
+10.0pp | 6.4% | 13.1% | 11.6% | 88% |
| Cost of Funds (YTD) |
1.5%
-0.1pp YoY 0.0pp QoQ |
0.0pp | 1.4% | 1.7% | 1.7% | 54% |
| Net Income ($, YTD) |
$592,000
+6.1% YoY — QoQ |
+$274K | $317,817 | $4.5M | $40.4M | 82% |
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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.