BlastPoint's Banking Scorecard
American State Bank of Grygla
Designations: ✓ Community bank
Grygla, MN
2 branches across MN
American State Bank of Grygla has 4 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 1.36% below tier average
- + Nonperforming Asset Ratio 0.77% below tier average
- + ROA 0.26% above tier average
- + Efficiency Ratio 21.21% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.26% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$81.2M
-0.4% YoY
+0.4% QoQ
|
+$18.9M |
$62.3M
-0.5% YoY
|
$514.9M
+5.5% YoY
|
$6.2B
+9.0% YoY
|
72% |
| Total Loans ? |
$40.8M
+2.0% YoY
-5.8% QoQ
|
+$6.5M |
$34.3M
-1.5% YoY
|
$289.5M
+6.9% YoY
|
$3.2B
+10.7% YoY
|
64% |
| Total Deposits ? |
$73.8M
-2.0% YoY
+0.9% QoQ
|
+$22.0M |
$51.8M
-0.6% YoY
|
$445.6M
+5.0% YoY
|
$4.8B
+8.0% YoY
|
80% |
| Return on Assets ? |
1.12%
-1.5% YoY
-23.2% QoQ
|
+0.26% |
0.86%
-3.6% YoY
|
1.14%
+11.1% YoY
|
1.24%
+13.1% YoY
|
58% |
| Net Interest Margin ? |
3.61%
+11.6% YoY
-2.0% QoQ
|
-0.26% |
3.87%
+2.7% YoY
|
3.93%
+7.5% YoY
|
3.89%
+5.7% YoY
|
38% |
| Efficiency Ratio ? |
66.42%
+0.4% YoY
+11.2% QoQ
|
-21.21% |
87.63%
+2.3% YoY
|
64.52%
-3.4% YoY
|
66.84%
-3.8% YoY
|
61% |
| Delinquency Rate ? |
0.00%
-100.0% YoY
|
-1.36% |
1.36%
+33.7% YoY
|
1.04%
+28.5% YoY
|
0.95%
+18.8% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
55.30%
+4.1% YoY
-6.7% QoQ
|
-8.81% |
64.11%
-0.9% YoY
|
76.74%
-0.5% YoY
|
76.69%
+0.9% YoY
|
64% |
| Non-Interest-Bearing Deposit Share ? |
24.00%
-5.4% YoY
-16.9% QoQ
|
+0.22% |
23.79%
+0.5% YoY
|
21.89%
-0.8% YoY
|
22.01%
-1.1% YoY
|
53% |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
|
-0.77% |
0.77%
+28.7% YoY
|
0.77%
+26.8% YoY
|
0.66%
+19.3% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
10.69%
+8.3% YoY
-0.4% QoQ
|
-16.08% |
26.77%
+2.0% YoY
|
15.37%
+0.7% YoY
|
17.06%
+0.8% YoY
|
Bottom 10.4% in tier |
| Non-Interest Income / Assets ? |
0.17%
+5.0% YoY
-72.7% QoQ
|
-0.50% |
0.67%
+1.6% YoY
|
0.15%
+3.6% YoY
|
0.32%
+4.0% YoY
|
Top 13.4% in tier |
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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.