BlastPoint's Banking Scorecard
Grand Valley Bank
Heber City, UT
9 branches across CO · UT
Grand Valley Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 4.62% below tier average
- + Delinquency Rate 0.87% 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-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$597.4M
+3.9% YoY
+1.9% QoQ
|
+$211.3M |
$386.1M
+0.5% YoY
|
$31.5B
+16.1% YoY
|
$6.2B
+9.1% YoY
|
80% |
| Total Loans ? |
$277.4M
+2.3% YoY
-1.5% QoQ
|
+$21.6M |
$255.7M
+1.1% YoY
|
$18.8B
+6.7% YoY
|
$3.2B
+10.8% YoY
|
64% |
| Total Deposits ? |
$542.6M
+2.8% YoY
+2.2% QoQ
|
+$214.6M |
$328.0M
+0.1% YoY
|
$24.2B
+10.6% YoY
|
$4.8B
+8.2% YoY
|
83% |
| Return on Assets ? |
1.14%
+1.6% YoY
-7.0% QoQ
|
-0.13% |
1.27%
+12.9% YoY
|
2.19%
+3.7% YoY
|
1.23%
+13.4% YoY
|
46% |
| Net Interest Margin ? |
3.70%
+2.1% YoY
-1.9% QoQ
|
-0.23% |
3.93%
+6.0% YoY
|
7.79%
+9.7% YoY
|
3.89%
+5.7% YoY
|
41% |
| Efficiency Ratio ? |
60.67%
+0.3% YoY
+2.7% QoQ
|
-4.62% |
65.29%
-4.5% YoY
|
105.45%
+9.4% YoY
|
66.95%
-4.1% YoY
|
58% |
| Delinquency Rate ? |
0.02%
-92.4% YoY
+1.6% QoQ
|
-0.87% |
0.89%
+18.8% YoY
|
1.46%
+7.1% YoY
|
0.95%
+18.8% YoY
|
85% |
| Loan-to-Deposit Ratio ? |
51.12%
-0.5% YoY
-3.7% QoQ
|
-25.52% |
76.64%
+0.8% YoY
|
84.36%
+3.4% YoY
|
76.70%
+0.9% YoY
|
Top 10.4% in tier |
| Non-Interest-Bearing Deposit Share ? |
33.39%
-1.1% YoY
-3.6% QoQ
|
+11.37% |
22.02%
-1.0% YoY
|
17.87%
+4.4% YoY
|
22.01%
-1.2% YoY
|
Top 11.9% in tier |
| Nonperforming Asset Ratio ? |
0.01%
-92.5% YoY
-1.8% QoQ
|
-0.63% |
0.64%
+19.7% YoY
|
1.01%
+17.9% YoY
|
0.67%
+19.3% YoY
|
Top 13.4% in tier |
| Tier 1 Capital Ratio ? |
11.43%
+4.7% YoY
+2.0% QoQ
|
-4.40% |
15.83%
+1.5% YoY
|
22.97%
+16.9% YoY
|
17.06%
+0.8% YoY
|
28% |
| Non-Interest Income / Assets ? |
0.06%
-10.7% YoY
-80.3% QoQ
|
-0.22% |
0.28%
+9.3% YoY
|
1.04%
+5.8% YoY
|
0.32%
+4.1% YoY
|
28% |
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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)
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Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.