BlastPoint's Banking Scorecard
Grand Valley Bank
Heber City, UT
9 branches across CO · 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 13 in UT.
- Deposits +4.6% year over year ($541.3M on the books).
- Delinquency rate 0.02%.
- Return on assets 1.19%.
- Efficiency ratio 59.67% vs a 64.48% peer average.
- Loan-to-deposit ratio 52.02% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Grand Valley Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 4.81% below tier average
- + Delinquency Rate 0.90% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.13% below tier average
- - Net Interest Margin 0.23% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$599.4M
+6.2% YoY
+0.3% QoQ
|
+$212.8M |
$386.6M
+1.2% YoY
|
$31.1B
+21.2% YoY
|
$6.3B
+7.7% YoY
|
81% |
| Total Loans ? |
$281.6M
+1.8% YoY
+1.5% QoQ
|
+$23.3M |
$258.3M
+1.7% YoY
|
$18.5B
+10.6% YoY
|
$3.2B
+9.4% YoY
|
64% |
| Total Deposits ? |
$541.3M
+4.6% YoY
-0.2% QoQ
|
+$214.6M |
$326.7M
+0.7% YoY
|
$23.9B
+15.2% YoY
|
$4.9B
+7.3% YoY
|
83% |
| Return on Assets ? |
1.19%
+0.9% YoY
+4.0% QoQ
|
-0.13% |
1.32%
+10.8% YoY
|
2.15%
+9.7% YoY
|
1.30%
+12.1% YoY
|
46% |
| Net Interest Margin ? |
3.76%
+1.3% YoY
+1.5% QoQ
|
-0.23% |
3.99%
+5.0% YoY
|
7.81%
+8.6% YoY
|
3.95%
+4.9% YoY
|
40% |
| Efficiency Ratio ? |
59.67%
+0.2% YoY
-1.6% QoQ
|
-4.81% |
64.48%
-3.2% YoY
|
105.46%
+37.7% YoY
|
70.05%
+2.5% YoY
|
58% |
| Delinquency Rate ? |
0.02%
-92.6% YoY
-5.6% QoQ
|
-0.90% |
0.92%
+15.7% YoY
|
1.38%
+2.5% YoY
|
0.98%
+16.3% YoY
|
85% |
| Loan-to-Deposit Ratio ? |
52.02%
-2.7% YoY
+1.8% QoQ
|
-25.93% |
77.95%
+1.0% YoY
|
83.52%
+2.9% YoY
|
79.03%
+2.3% YoY
|
Top 9.8% in tier |
| Non-Interest-Bearing Deposit Share ? |
33.47%
-1.0% YoY
+0.2% QoQ
|
+11.44% |
22.03%
-0.6% YoY
|
17.78%
-2.6% YoY
|
21.98%
-0.6% YoY
|
Top 11.5% in tier |
| Nonperforming Asset Ratio ? |
0.01%
-92.9% YoY
-4.5% QoQ
|
-0.66% |
0.67%
+16.4% YoY
|
0.92%
+4.0% YoY
|
0.69%
+15.8% YoY
|
Top 13.4% in tier |
| Tier 1 Capital Ratio ? |
11.47%
+2.9% YoY
+0.4% QoQ
|
-4.44% |
15.91%
+1.4% YoY
|
21.39%
+2.0% YoY
|
17.09%
+0.8% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.13%
-13.5% YoY
+102.8% QoQ
|
-0.44% |
0.57%
+7.6% YoY
|
2.21%
+5.7% YoY
|
0.66%
+5.2% YoY
|
27% |
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 (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
33.5%
-0.3pp YoY +0.1pp QoQ |
+11.3pp | 22.1% | 20.1% | 22.2% | 88% |
| Brokered Deposits | n/a | n/a | 7.9% | 28.6% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
2.0%
-0.3pp YoY 0.0pp QoQ |
-9.5pp | 11.6% | 25.0% | 12.5% | 7% |
| CRE |
46.5%
-0.8pp YoY -0.3pp QoQ |
+7.0pp | 39.5% | 44.1% | 41.4% | 65% |
| 1-4 Family |
22.1%
+0.1pp YoY -0.4pp QoQ |
-10.6pp | 32.6% | 13.8% | 31.3% | 34% |
| Consumer |
0.4%
-0.1pp YoY -0.1pp QoQ |
-3.7pp | 4.1% | 45.8% | 5.0% | 13% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 25.0% | 19.7% | n/a |
| Leverage Ratio |
11.5%
+0.3pp YoY 0.0pp QoQ |
-0.7pp | 12.2% | 15.7% | 12.6% | 57% |
| Total Capital Ratio | n/a | n/a | 19.9% | 26.3% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
98
+3 (+3.2%) YoY +3 (+3.2%) QoQ |
+39 | 58 | 1,029 | 482 | 86% |
| Assets per Employee ($) |
$6.1M
+2.9% YoY -2.7% QoQ |
-$1.4M | $7.5M | $39.6M | $8.8M | 36% |
| Branch Count |
9
0 YoY 0 QoQ |
+4 | 4 | 13 | 18 | 86% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.6% | 0.4% | n/a |
| Nonaccrual |
0.0%
-0.2pp YoY 0.0pp QoQ |
-0.9pp | 0.9% | 1.2% | 1.0% | 5% |
| Allowance Coverage |
116.85x
+1247.1% YoY +4.6% QoQ |
+92.69x | 24.15x | 7.86x | 20.23x | 97% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 3.6% | 0.2% | 42% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
13.2%
-2.1pp YoY +0.3pp QoQ |
+1.0pp | 12.2% | 15.9% | 11.6% | 57% |
| Cost of Funds (YTD) |
1.4%
-0.1pp YoY 0.0pp QoQ |
-0.3pp | 1.7% | 2.3% | 1.7% | 28% |
| Net Income ($, YTD) |
$3.5M
+4.7% YoY — QoQ |
+$976K | $2.6M | $307.8M | $40.4M | 76% |
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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.