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Green Dot Bank DBA Bonneville Bank

$1B-$10B Specialty: Other UT FDIC cert 22653

Provo, UT

883 banks in the $1B-$10B peer group nationally 17 in UT
View $1B-$10B leaderboard (UT) →

Green Dot Bank DBA Bonneville Bank has 4 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Deposit Franchise: Top 0.1% in tier
  • + Profitability Leader: Top 10.4% in tier
  • + Revenue Diversifier: Top 14.5% in tier
  • + Nonperforming Asset Ratio 0.65% below tier average

Key Concerns

Areas that may need attention

  • - Efficiency Ratio 30.65% above tier average
  • - Delinquency Rate 1.69% above tier average
Get updates when Green Dot Bank DBA Bonneville Bank releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (UT) National Avg Tier Percentile
Total Assets ? $5.9B
+19.7% YoY +12.7% QoQ
+$3.1B $2.8B
-0.1% YoY
$30.1B
+16.3% YoY
$6.2B
+9.0% YoY
Top 10.9% in tier
Total Loans ? $59.5M
+9.4% YoY -46.3% QoQ
-$1.9B $2.0B
+0.6% YoY
$17.9B
+6.8% YoY
$3.2B
+10.7% YoY
Bottom 0.6% in tier
Total Deposits ? $5.0B
+5.9% YoY +1.9% QoQ
+$2.6B $2.3B
-0.3% YoY
$23.1B
+10.8% YoY
$4.8B
+8.0% YoY
Top 11.2% in tier
Return on Assets ? 1.83%
+47.2% QoQ
+0.46% 1.37%
+19.6% YoY
2.24%
+5.6% YoY
1.24%
+13.1% YoY
85%
Net Interest Margin ? 6.23%
-1.7% YoY -5.0% QoQ
+2.41% 3.82%
+6.9% YoY
7.76%
+10.4% YoY
3.89%
+5.7% YoY
Top 2.0% in tier
Efficiency Ratio ? 91.70%
-0.3% YoY -0.1% QoQ
+30.65% 61.05%
-4.6% YoY
104.30%
+9.2% YoY
66.84%
-3.8% YoY
Bottom 2.4% in tier
Delinquency Rate ? 2.58%
-35.0% YoY +54.6% QoQ
+1.69% 0.89%
+14.1% YoY
1.43%
+8.3% YoY
0.95%
+18.8% YoY
Bottom 6.7% in tier
Loan-to-Deposit Ratio ? 1.20%
+3.3% YoY -47.4% QoQ
-83.01% 84.20%
+0.3% YoY
82.66%
+3.7% YoY
76.69%
+0.9% YoY
Top 0.5% in tier
Non-Interest-Bearing Deposit Share ? 97.18%
+0.4% YoY +0.1% QoQ
+75.90% 21.28%
-2.5% YoY
18.48%
+5.1% YoY
22.01%
-1.1% YoY
Top 0.2% in tier
Nonperforming Asset Ratio ? 0.03%
-40.6% YoY -26.4% QoQ
-0.65% 0.67%
+15.6% YoY
0.98%
+19.2% YoY
0.66%
+19.3% YoY
Top 5.7% in tier
Tier 1 Capital Ratio ? 31.35%
+7.2% YoY +5.4% QoQ
+16.18% 15.17%
+2.0% YoY
22.82%
+17.1% YoY
17.06%
+0.8% YoY
Top 1.9% in tier
Non-Interest Income / Assets ? 6.64%
+4.8% YoY -73.7% QoQ
+6.38% 0.26%
+1.6% YoY
1.09%
+7.6% YoY
0.32%
+4.0% YoY
Top 0.3% in tier

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (3)

Deposit Franchise

growth
#1 of 87 • Top 0.1% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature
Noninterest-Bearing Deposit Share: 97.18%
(Tier: 21.28%, National: 22.01%)
better than tier avg
Net Interest Margin: 6.23%
(Tier: 3.82%, National: 3.89%)
better than tier avg
87 of 87 Mid-Market banks match · 369 nationally
→ Stable -13 banks QoQ

Profitability Leader

growth
#24 of 221 • Top 10.4% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 1.83%
(Tier: 1.37%, National: 1.24%)
better than tier avg
221 of 221 Mid-Market banks match · 925 nationally
→ Stable +3 banks QoQ

Revenue Diversifier

growth
#33 of 221 • Top 14.5% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 6.64%
(Tier: 0.26%, National: 0.32%)
better than tier avg
Return on Assets: 1.83%
(Tier: 1.37%, National: 1.24%)
better than tier avg
221 of 221 Mid-Market banks match · 925 nationally
→ Stable +3 banks QoQ | QoQ rank improving

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 883 peers in $1B-$10B

Top Strengths (9 metrics)

3
Non-Interest-Bearing Deposit Share
funding
Value: 97.18%
Peer Median: 21.28%
#3 of 883 Top 0.2% in $1B-$10B
4
Non-Interest Income / Assets
revenue_mix
Value: 6.64%
Peer Median: 0.26%
#4 of 883 Top 0.3% in $1B-$10B
5
Loan-to-Deposit Ratio
liquidity
Value: 1.20%
Peer Median: 84.20%
#5 of 883 Top 0.5% in $1B-$10B
18
Tier 1 Capital Ratio
capital
Value: 31.35%
Peer Median: 15.17%
#18 of 883 Top 1.9% in $1B-$10B
19
Net Interest Margin
profitability
Value: 6.23%
Peer Median: 3.82%
#19 of 883 Top 2.0% in $1B-$10B
51
Nonperforming Asset Ratio
credit_quality
Value: 0.03%
Peer Median: 0.67%
#51 of 883 Top 5.7% in $1B-$10B
97
Total Assets
size
Value: $5.87B
Peer Median: $2.82B
#97 of 883 Top 10.9% in $1B-$10B
100
Total Deposits
size
Value: $4.97B
Peer Median: $2.34B
#100 of 883 Top 11.2% in $1B-$10B
136
Return on Assets
profitability
Value: 1.83%
Peer Median: 1.37%
#136 of 883 Top 15.3% in $1B-$10B

Top Weaknesses (3 metrics)

879
Total Loans
size
Value: $59.50M
Peer Median: $1.97B
#879 of 883 Bottom 0.6% in $1B-$10B
863
Efficiency Ratio
profitability
Value: 91.70%
Peer Median: 61.05%
#863 of 883 Bottom 2.4% in $1B-$10B
821
Delinquency Rate
credit_quality
Value: 2.58%
Peer Median: 0.89%
#821 of 879 Bottom 6.7% in $1B-$10B
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