BlastPoint

BlastPoint's Banking Scorecard

Green Dot Bank DBA Bonneville Bank

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

Provo, UT

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 885 banks in the $1B-$10B peer group nationwide — 1 of 16 in UT.
  • Deposits +10.4% year over year ($5.0B on the books).
  • Delinquency rate 4.31%.
  • Return on assets 1.61%.
  • Efficiency ratio 92.51% vs a 59.73% peer average.
  • Loan-to-deposit ratio 0.67% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 16 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
  • + Revenue Diversifier: Top 17.1% in tier
  • + Nonperforming Asset Ratio 0.65% below tier average
  • + ROA 0.22% above tier average

Key Concerns

Areas that may need attention

  • - Efficiency Ratio 32.78% above tier average
  • - Delinquency Rate 3.44% above tier average
Get updates when Green Dot Bank DBA Bonneville Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (UT) National Avg Tier Percentile
Total Assets ? $5.4B
+12.7% YoY -7.2% QoQ
+$2.6B $2.8B
-0.6% YoY
$31.1B
+21.2% YoY
$6.3B
+7.7% YoY
Top 12.1% in tier
Total Loans ? $33.8M
-7.9% YoY -43.2% QoQ
-$1.9B $2.0B
-0.3% YoY
$18.5B
+10.6% YoY
$3.2B
+9.4% YoY
Bottom 0.6% in tier
Total Deposits ? $5.0B
+10.4% YoY +1.4% QoQ
+$2.7B $2.3B
-0.5% YoY
$23.9B
+15.2% YoY
$4.9B
+7.3% YoY
Top 9.9% in tier
Return on Assets ? 1.61%
+107.2% YoY -11.7% QoQ
+0.22% 1.39%
+17.0% YoY
2.15%
+9.7% YoY
1.30%
+12.1% YoY
75%
Net Interest Margin ? 6.17%
-4.4% YoY -0.9% QoQ
+2.30% 3.87%
+6.2% YoY
7.81%
+8.6% YoY
3.95%
+4.9% YoY
Top 2.0% in tier
Efficiency Ratio ? 92.51%
+0.7% YoY +0.9% QoQ
+32.78% 59.73%
-12.6% YoY
105.46%
+37.7% YoY
70.05%
+2.5% YoY
Bottom 1.5% in tier
Delinquency Rate ? 4.31%
-11.6% YoY +66.9% QoQ
+3.44% 0.87%
+11.7% YoY
1.38%
+2.5% YoY
0.98%
+16.3% YoY
Bottom 1.6% in tier
Loan-to-Deposit Ratio ? 0.67%
-16.6% YoY -44.0% QoQ
-84.37% 85.04%
-0.1% YoY
83.52%
+2.9% YoY
79.03%
+2.3% YoY
Top 0.5% in tier
Non-Interest-Bearing Deposit Share ? 96.54%
-0.5% YoY -0.7% QoQ
+75.27% 21.27%
-1.5% YoY
17.78%
-2.6% YoY
21.98%
-0.6% YoY
Top 0.1% in tier
Nonperforming Asset Ratio ? 0.03%
-27.7% YoY +2.1% QoQ
-0.65% 0.67%
+11.7% YoY
0.92%
+4.0% YoY
0.69%
+15.8% YoY
Top 6.6% in tier
Tier 1 Capital Ratio ? 31.97%
-8.7% YoY +2.0% QoQ
+17.13% 14.84%
-0.4% YoY
21.39%
+2.0% YoY
17.09%
+0.8% YoY
Top 1.8% in tier
Non-Interest Income / Assets ? 14.81%
+14.2% YoY +123.1% QoQ
+14.29% 0.53%
+2.5% YoY
2.21%
+5.7% YoY
0.66%
+5.2% YoY
Top 0.3% in tier

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 (UT) National Avg Tier Percentile
Noninterest-Bearing 96.5%
-0.5pp YoY
-0.6pp QoQ
 +75.2pp 21.4% 20.1% 22.2% 100%
Brokered Deposits 5.2%
-0.1pp YoY
+0.1pp QoQ
 -4.3pp 9.5% 28.6% 8.5% 50%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (UT) National Avg Tier Percentile
C&I 14.4%
-3.3pp YoY
+4.7pp QoQ
 +0.4pp 14.0% 25.0% 12.5% 65%
CRE n/a n/a 50.0% 44.1% 41.4% n/a
1-4 Family 1.2%
-0.2pp YoY
+0.5pp QoQ
 -25.3pp 26.4% 13.8% 31.3% 2%
Consumer 68.9%
-3.1pp YoY
-12.9pp QoQ
 +64.2pp 4.7% 45.8% 5.0% 99%

Capital

Metric Current vs Tier Tier Avg State Avg (UT) National Avg Tier Percentile
CET1 Ratio 32.0%
-3.0pp YoY
+0.6pp QoQ
 +16.4pp 15.6% 25.0% 19.7% 98%
Leverage Ratio 8.6%
+0.9pp YoY
+0.1pp QoQ
 -2.7pp 11.3% 15.7% 12.6% 6%
Total Capital Ratio 32.4%
-3.2pp YoY
+0.6pp QoQ
 +15.7pp 16.7% 26.3% 20.8% 98%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (UT) National Avg Tier Percentile
Full-Time Employees 136
+14 (+11.5%) YoY
+4 (+3.0%) QoQ
 -178 313 1,029 482 18%
Assets per Employee ($) $40.0M
+1.1% YoY
-10.0% QoQ
 +$29.5M $10.5M $39.6M $8.8M 99%
Branch Count 1
0 YoY
0 QoQ
 -19 20 13 18 0%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (UT) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.2% 0.6% 0.4% n/a
Nonaccrual 4.3%
-0.6pp YoY
+1.7pp QoQ
 +3.5pp 0.8% 1.2% 1.0% 99%
Allowance Coverage 4.85x
+12.4% YoY
+3.8% QoQ
 -13.86x 18.71x 7.86x 20.23x 77%
Net Charge-off Rate (YTD) 36.1%
-0.8pp YoY
+10.0pp QoQ
 +35.8pp 0.3% 3.6% 0.2% 100%

Profitability

Metric Current vs Tier Tier Avg State Avg (UT) National Avg Tier Percentile
ROE 29.7%
+5.8pp YoY
-5.2pp QoQ
 +17.1pp 12.6% 15.9% 11.6% 98%
Cost of Funds (YTD) 0.2%
0.0pp YoY
0.0pp QoQ
 -1.7pp 1.9% 2.3% 1.7% 0%
Net Income ($, YTD) $44.4M
+138.8% YoY
— QoQ
 +$25.1M $19.2M $307.8M $40.4M 91%

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 (2)

Deposit Franchise

growth
#1 of 80 • 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: 96.54%
(Tier: 21.27%, National: 21.98%)
better than tier avg
Net Interest Margin: 6.17%
(Tier: 3.87%, National: 3.95%)
better than tier avg
80 of 80 Mid-Market banks match · 368 nationally
→ Stable -1 banks QoQ

Revenue Diversifier

growth
#39 of 222 • Top 17.1% 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: 14.81%
(Tier: 0.53%, National: 0.66%)
better than tier avg
Return on Assets: 1.61%
(Tier: 1.39%, National: 1.30%)
better than tier avg
222 of 222 Mid-Market banks match · 923 nationally
→ Stable | QoQ rank declining

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 885 peers in $1B-$10B

Top Strengths (8 metrics)

2
Non-Interest-Bearing Deposit Share
funding
Value: 96.54%
Peer Median: 21.27%
#2 of 885 Top 0.1% in $1B-$10B
4
Non-Interest Income / Assets
revenue_mix
Value: 14.81%
Peer Median: 0.53%
#4 of 885 Top 0.3% in $1B-$10B
5
Loan-to-Deposit Ratio
liquidity
Value: 0.67%
Peer Median: 85.04%
#5 of 885 Top 0.5% in $1B-$10B
17
Tier 1 Capital Ratio
capital
Value: 31.97%
Peer Median: 14.84%
#17 of 885 Top 1.8% in $1B-$10B
19
Net Interest Margin
profitability
Value: 6.17%
Peer Median: 3.87%
#19 of 885 Top 2.0% in $1B-$10B
59
Nonperforming Asset Ratio
credit_quality
Value: 0.03%
Peer Median: 0.67%
#59 of 885 Top 6.6% in $1B-$10B
89
Total Deposits
size
Value: $5.04B
Peer Median: $2.32B
#89 of 885 Top 9.9% in $1B-$10B
108
Total Assets
size
Value: $5.44B
Peer Median: $2.79B
#108 of 885 Top 12.1% in $1B-$10B

Top Weaknesses (3 metrics)

881
Total Loans
size
Value: $33.77M
Peer Median: $1.96B
#881 of 885 Bottom 0.6% in $1B-$10B
873
Efficiency Ratio
profitability
Value: 92.51%
Peer Median: 59.73%
#873 of 885 Bottom 1.5% in $1B-$10B
869
Delinquency Rate
credit_quality
Value: 4.31%
Peer Median: 0.87%
#869 of 882 Bottom 1.6% in $1B-$10B
Powered by BlastPoint © 2026