BlastPoint's Banking Scorecard

GN Bank

under $100M Specialty: Other IL FDIC cert 29399

Designations: ✓ Community bank ✓ CDFI-certified ✓ Minority Depository Institution

Chicago, IL

537 banks in the under $100M peer group nationally 61 in IL

GN Bank has 2 strengths but faces 3 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

+ Net Interest Margin 0.28% above tier average
+ Efficiency Ratio 0.15% below tier average

Key Concerns

Areas that may need attention

- Return on Assets 1.65% below tier average
- Delinquency Rate 9.46% above tier average
- Nonperforming Asset Ratio 3.84% above tier average

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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	-$765K	$62.3M -0.5% YoY	$2.3B +4.2% YoY	$6.2B +9.0% YoY	47%
Total Loans ?	$26.2M -18.1% YoY -2.4% QoQ	-$8.1M	$34.3M -1.5% YoY	$1.2B +5.0% YoY	$3.2B +10.7% YoY	39%
Total Deposits ?	$52.5M -5.7% YoY -2.9% QoQ	+$717K	$51.8M -0.6% YoY	$1.9B +3.6% YoY	$4.8B +8.0% YoY	49%
Return on Assets ?	-0.80% -344.8% YoY -280.2% QoQ	-1.65%	0.86% -3.6% YoY	1.04% +2.4% YoY	1.24% +13.1% YoY	Bottom 8.4% in tier
Net Interest Margin ?	4.15% +6.9% YoY +0.6% QoQ	+0.28%	3.87% +2.7% YoY	3.61% +7.3% YoY	3.89% +5.7% YoY	64%
Efficiency Ratio ?	87.48% -4.7% YoY -6.1% QoQ	-0.15%	87.63% +2.3% YoY	63.68% -7.1% YoY	66.84% -3.8% YoY	23%
Delinquency Rate ?	10.82% +84.3% YoY +19.4% QoQ	+9.46%	1.36% +33.7% YoY	1.15% +15.2% YoY	0.95% +18.8% YoY	Bottom 1.5% in tier
Loan-to-Deposit Ratio ?	49.91% -13.2% YoY +0.5% QoQ	-14.20%	64.11% -0.9% YoY	71.92% +0.7% YoY	76.69% +0.9% YoY	69%
Non-Interest-Bearing Deposit Share ?	11.64% -11.1% YoY -8.7% QoQ	-12.15%	23.79% +0.5% YoY	20.45% -1.0% YoY	22.01% -1.1% YoY	17%
Nonperforming Asset Ratio ?	4.61% +60.1% YoY +20.6% QoQ	+3.84%	0.77% +28.7% YoY	0.78% +18.6% YoY	0.66% +19.3% YoY	Bottom 3.0% in tier
Tier 1 Capital Ratio ?	15.07% +2.6% YoY -0.0% QoQ	-11.70%	26.77% +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	-0.53%	0.67% +1.6% YoY	0.34% +6.6% YoY	0.32% +4.0% YoY	82%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 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 (0)

No matched strength signatures this quarter

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).

Compare against:

Comparing against 537 peers in under $100M

Top Strengths (1 metrics)

Non-Interest Income / Assets

revenue_mix

Value: 0.14%

Peer Median: 0.67%

#97 of 537 Top 17.9% in under $100M

Top Weaknesses (5 metrics)

510

Delinquency Rate

credit_quality

Value: 10.82%

Peer Median: 1.36%

#510 of 517 Bottom 1.5% in under $100M

522

Nonperforming Asset Ratio

credit_quality

Value: 4.61%

Peer Median: 0.77%

#522 of 537 Bottom 3.0% in under $100M

493

Return on Assets

profitability

Value: -0.80%

Peer Median: 0.86%

#493 of 537 Bottom 8.4% in under $100M

446

Non-Interest-Bearing Deposit Share

funding

Value: 11.64%

Peer Median: 23.79%

#446 of 537 Bottom 17.1% in under $100M

413

Efficiency Ratio

profitability

Value: 87.48%

Peer Median: 87.63%

#413 of 537 Bottom 23.3% in under $100M