BlastPoint's Banking Scorecard
GN Bank
Designations: ✓ Community bank ✓ CDFI-certified ✓ Minority Depository Institution
Chicago, IL
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 536 banks in the under $100M peer group nationwide — 1 of 60 in IL.
- Deposits -7.7% year over year ($50.6M on the books).
- Delinquency rate 13.23%.
- Return on assets 0.23%.
- Efficiency ratio 80.34% vs a 119.40% peer average.
- Loan-to-deposit ratio 49.11% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
GN Bank has 3 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest Income / Assets 0.92% below tier average
- + Net Interest Margin 0.13% above tier average
- + Efficiency Ratio 39.05% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 11.75% above tier average
- - Nonperforming Asset Ratio 5.07% above tier average
- - ROA 0.76% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$59.8M
-6.5% YoY
-2.8% QoQ
|
-$2.7M |
$62.4M
-0.0% YoY
|
$2.4B
+4.3% YoY
|
$6.3B
+7.7% YoY
|
45% |
| Total Loans ? |
$24.8M
-17.8% YoY
-5.3% QoQ
|
-$10.0M |
$34.9M
-0.6% YoY
|
$1.3B
+4.4% YoY
|
$3.2B
+9.4% YoY
|
36% |
| Total Deposits ? |
$50.6M
-7.7% YoY
-3.7% QoQ
|
-$1.0M |
$51.6M
-0.2% YoY
|
$1.9B
+3.7% YoY
|
$4.9B
+7.3% YoY
|
46% |
| Return on Assets ? |
0.23%
+34.7% YoY
+129.2% QoQ
|
-0.76% |
1.00%
+3.5% YoY
|
1.12%
+2.8% YoY
|
1.30%
+12.1% YoY
|
18% |
| Net Interest Margin ? |
4.04%
+1.9% YoY
-2.5% QoQ
|
+0.13% |
3.91%
+2.3% YoY
|
3.68%
+7.2% YoY
|
3.95%
+4.9% YoY
|
58% |
| Efficiency Ratio ? |
80.34%
-16.1% YoY
-8.2% QoQ
|
-39.05% |
119.40%
+49.6% YoY
|
63.11%
-4.5% YoY
|
70.05%
+2.5% YoY
|
31% |
| Delinquency Rate ? |
13.23%
+81.3% YoY
+22.3% QoQ
|
+11.75% |
1.48%
+31.8% YoY
|
1.19%
+6.2% YoY
|
0.98%
+16.3% YoY
|
Bottom 1.0% in tier |
| Loan-to-Deposit Ratio ? |
49.11%
-10.9% YoY
-1.6% QoQ
|
-25.10% |
74.21%
+12.6% YoY
|
72.86%
+0.7% YoY
|
79.03%
+2.3% YoY
|
72% |
| Non-Interest-Bearing Deposit Share ? |
11.97%
-6.1% YoY
+2.9% QoQ
|
-11.52% |
23.49%
+0.6% YoY
|
20.01%
-0.1% YoY
|
21.98%
-0.6% YoY
|
19% |
| Nonperforming Asset Ratio ? |
5.91%
+58.1% YoY
+28.1% QoQ
|
+5.07% |
0.84%
+23.0% YoY
|
0.81%
+6.3% YoY
|
0.69%
+15.8% YoY
|
Bottom 2.1% in tier |
| Tier 1 Capital Ratio ? |
16.06%
+9.7% YoY
+6.6% QoQ
|
-11.06% |
27.13%
+3.0% YoY
|
17.17%
+1.3% YoY
|
17.09%
+0.8% YoY
|
54% |
| Non-Interest Income / Assets ? |
0.46%
+161.6% YoY
+224.1% QoQ
|
-0.92% |
1.38%
+6.3% YoY
|
0.68%
+1.1% YoY
|
0.66%
+5.2% YoY
|
Top 9.7% in tier |
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 (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
12.0%
-0.8pp YoY +0.3pp QoQ |
-12.7pp | 24.6% | 20.1% | 22.2% | 15% |
| Brokered Deposits | n/a | n/a | 9.8% | 8.0% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
9.8%
-6.0pp YoY -0.2pp QoQ |
-3.6pp | 13.4% | 14.7% | 12.5% | 50% |
| CRE |
47.5%
+7.7pp YoY +1.7pp QoQ |
+22.3pp | 25.2% | 37.9% | 41.4% | 90% |
| 1-4 Family |
34.6%
+1.8pp YoY -0.7pp QoQ |
-0.4pp | 35.0% | 28.3% | 31.3% | 55% |
| Consumer |
9.0%
-3.8pp YoY -0.8pp QoQ |
+1.3pp | 7.7% | 5.4% | 5.0% | 74% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 19.9% | 19.7% | n/a |
| Leverage Ratio |
16.1%
+1.4pp YoY +1.0pp QoQ |
-1.6pp | 17.7% | 12.2% | 12.6% | 75% |
| Total Capital Ratio | n/a | n/a | 39.7% | 20.9% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
12
+1 (+9.1%) YoY +1 (+9.1%) QoQ |
-0 | 12 | 228 | 482 | 56% |
| Assets per Employee ($) |
$5.0M
-14.3% YoY -10.9% QoQ |
-$1.2M | $6.2M | $8.3M | $8.8M | 35% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 10 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.4% | 0.4% | n/a |
| Nonaccrual |
13.2%
+5.9pp YoY +2.5pp QoQ |
+11.5pp | 1.7% | 1.1% | 1.0% | 99% |
| Allowance Coverage |
0.07x
-61.2% YoY -19.7% QoQ |
-6.34x | 6.41x | 5.62x | 20.23x | 0% |
| Net Charge-off Rate (YTD) |
1.8%
+1.3pp YoY -1.5pp QoQ |
+1.7pp | 0.2% | 0.1% | 0.2% | 98% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
1.6%
+0.3pp YoY +7.1pp QoQ |
-4.8pp | 6.4% | 10.5% | 11.6% | 17% |
| Cost of Funds (YTD) |
0.9%
0.0pp YoY 0.0pp QoQ |
-0.5pp | 1.4% | 1.6% | 1.7% | 24% |
| Net Income ($, YTD) |
$72,000
+28.6% YoY — QoQ |
-$246K | $317,817 | $11.7M | $40.4M | 21% |
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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.