BlastPoint's Banking Scorecard
GN Bank
Designations: ✓ Community bank ✓ CDFI-certified ✓ Minority Depository Institution
Chicago, IL
GN Bank has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.29% above tier average
- + Efficiency Ratio 0.86% below tier average
Key Concerns
Areas that may need attention
- - Return on Assets 1.63% below tier average
- - Delinquency Rate 9.45% above tier average
- - Nonperforming Asset Ratio 3.82% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$61.5M
-5.7% YoY
-3.4% QoQ
|
-$643K |
$62.2M
-0.6% YoY
|
$2.3B
+4.5% YoY
|
$6.2B
+9.1% YoY
|
47% |
| Total Loans ? |
$26.2M
-18.1% YoY
-2.4% QoQ
|
-$8.0M |
$34.2M
-1.4% YoY
|
$1.2B
+5.3% YoY
|
$3.2B
+10.8% YoY
|
39% |
| Total Deposits ? |
$52.5M
-5.7% YoY
-2.9% QoQ
|
+$806K |
$51.7M
-0.7% YoY
|
$1.9B
+3.9% YoY
|
$4.8B
+8.2% YoY
|
49% |
| Return on Assets ? |
-0.80%
-344.8% YoY
-280.2% QoQ
|
-1.63% |
0.84%
-2.3% YoY
|
1.04%
+3.0% YoY
|
1.23%
+13.4% YoY
|
Bottom 8.7% in tier |
| Net Interest Margin ? |
4.15%
+6.9% YoY
+0.6% QoQ
|
+0.29% |
3.86%
+2.8% YoY
|
3.61%
+7.5% YoY
|
3.89%
+5.7% YoY
|
64% |
| Efficiency Ratio ? |
87.48%
-4.7% YoY
-6.1% QoQ
|
-0.86% |
88.34%
+0.3% YoY
|
63.68%
-7.4% YoY
|
66.95%
-4.1% YoY
|
24% |
| Delinquency Rate ? |
10.82%
+84.3% YoY
+19.4% QoQ
|
+9.45% |
1.37%
+33.8% YoY
|
1.15%
+15.6% YoY
|
0.95%
+18.8% YoY
|
Bottom 1.5% in tier |
| Loan-to-Deposit Ratio ? |
49.91%
-13.2% YoY
+0.5% QoQ
|
-14.31% |
64.22%
-0.7% YoY
|
71.92%
+1.0% YoY
|
76.70%
+0.9% YoY
|
70% |
| Non-Interest-Bearing Deposit Share ? |
11.64%
-11.1% YoY
-8.7% QoQ
|
-12.08% |
23.71%
+0.3% YoY
|
20.45%
-1.2% YoY
|
22.01%
-1.2% YoY
|
17% |
| Nonperforming Asset Ratio ? |
4.61%
+60.1% YoY
+20.6% QoQ
|
+3.82% |
0.79%
+28.2% YoY
|
0.78%
+18.1% YoY
|
0.67%
+19.3% YoY
|
Bottom 3.1% in tier |
| Tier 1 Capital Ratio ? |
15.07%
+2.6% YoY
-0.0% QoQ
|
-11.61% |
26.68%
+2.0% YoY
|
16.97%
+0.7% YoY
|
17.06%
+0.8% YoY
|
47% |
| Non-Interest Income / Assets ? |
0.14%
+53.8% YoY
-66.8% QoQ
|
-0.52% |
0.67%
+1.9% YoY
|
0.34%
+6.9% YoY
|
0.32%
+4.1% YoY
|
82% |
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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.