BlastPoint's Banking Scorecard
Grand Bank for Savings, FSB
Designations: ✓ Minority Depository Institution
Hattiesburg, MS
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 39 in MS.
- Deposits -3.3% year over year ($246.9M on the books).
- Delinquency rate 0.78%.
- Return on assets 0.39%.
- Efficiency ratio 89.02% vs a 64.48% peer average.
- Loan-to-deposit ratio 82.28% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Grand Bank for Savings, FSB has 2 strengths but faces 7 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.26% above tier average
- + Delinquency Rate 0.14% below tier average
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 13.3% in tier
- - Credit Risk Growth: Bottom 27.8% in tier
- - Deposit Outflow: Bottom 32.0% in tier
- - Credit Quality Pressure: Bottom 41.2% in tier
- - Efficiency Drag: Bottom 42.4% in tier
- - Return on Assets 0.94% below tier average
- - Non-Interest-Bearing Deposit Share 20.70% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$280.4M
-2.8% YoY
+1.5% QoQ
|
-$106.2M |
$386.6M
+1.2% YoY
|
$2.3B
+4.7% YoY
|
$6.3B
+7.7% YoY
|
42% |
| Total Loans ? |
$203.1M
+6.0% YoY
-1.0% QoQ
|
-$55.2M |
$258.3M
+1.7% YoY
|
$1.6B
+6.5% YoY
|
$3.2B
+9.4% YoY
|
49% |
| Total Deposits ? |
$246.9M
-3.3% YoY
+1.3% QoQ
|
-$79.9M |
$326.7M
+0.7% YoY
|
$1.9B
+4.9% YoY
|
$4.9B
+7.3% YoY
|
44% |
| Return on Assets ? |
0.39%
-15.4% YoY
+27.3% QoQ
|
-0.94% |
1.32%
+10.8% YoY
|
1.27%
+12.8% YoY
|
1.30%
+12.1% YoY
|
Bottom 9.4% in tier |
| Net Interest Margin ? |
4.24%
+6.8% YoY
+1.5% QoQ
|
+0.26% |
3.99%
+5.0% YoY
|
4.02%
+5.6% YoY
|
3.95%
+4.9% YoY
|
67% |
| Efficiency Ratio ? |
89.02%
+1.5% YoY
-0.1% QoQ
|
+24.54% |
64.48%
-3.2% YoY
|
65.83%
-2.8% YoY
|
70.05%
+2.5% YoY
|
Bottom 6.3% in tier |
| Delinquency Rate ? |
0.78%
+25.6% YoY
+25.5% QoQ
|
-0.14% |
0.92%
+15.7% YoY
|
1.03%
+6.0% YoY
|
0.98%
+16.3% YoY
|
35% |
| Loan-to-Deposit Ratio ? |
82.28%
+9.6% YoY
-2.3% QoQ
|
+4.33% |
77.95%
+1.0% YoY
|
72.48%
+3.6% YoY
|
79.03%
+2.3% YoY
|
45% |
| Non-Interest-Bearing Deposit Share ? |
1.33%
-22.0% YoY
-11.2% QoQ
|
-20.70% |
22.03%
-0.6% YoY
|
22.74%
-2.6% YoY
|
21.98%
-0.6% YoY
|
Bottom 1.3% in tier |
| Nonperforming Asset Ratio ? |
0.81%
+24.6% YoY
+11.4% QoQ
|
+0.14% |
0.67%
+16.4% YoY
|
0.80%
+11.3% YoY
|
0.69%
+15.8% YoY
|
26% |
| Tier 1 Capital Ratio ? |
10.98%
+4.7% YoY
+0.7% QoQ
|
-4.93% |
15.91%
+1.4% YoY
|
13.77%
-2.2% YoY
|
17.09%
+0.8% YoY
|
23% |
| Non-Interest Income / Assets ? |
0.10%
+31.3% YoY
+132.0% QoQ
|
-0.47% |
0.57%
+7.6% YoY
|
0.38%
+2.4% YoY
|
0.66%
+5.2% YoY
|
17% |
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 (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
1.3%
-0.4pp YoY -0.2pp QoQ |
-20.8pp | 22.1% | 23.1% | 22.2% | 1% |
| Brokered Deposits |
1.5%
-3.5pp YoY +0.2pp QoQ |
-6.3pp | 7.9% | 3.8% | 8.5% | 25% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I | n/a | n/a | 11.6% | 12.4% | 12.5% | n/a |
| CRE |
1.5%
0.0pp YoY +0.1pp QoQ |
-38.0pp | 39.5% | 42.3% | 41.4% | 0% |
| 1-4 Family |
99.2%
0.0pp YoY -0.1pp QoQ |
+66.6pp | 32.6% | 33.1% | 31.3% | 100% |
| Consumer |
0.0%
0.0pp YoY 0.0pp QoQ |
-4.1pp | 4.1% | 5.6% | 5.0% | 2% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 16.5% | 19.7% | n/a |
| Leverage Ratio |
11.0%
+0.5pp YoY +0.1pp QoQ |
-1.2pp | 12.2% | 11.9% | 12.6% | 50% |
| Total Capital Ratio | n/a | n/a | 19.9% | 17.7% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
56
+2 (+3.7%) YoY +1 (+1.8%) QoQ |
-3 | 58 | 297 | 482 | 60% |
| Assets per Employee ($) |
$5.0M
-6.3% YoY -0.4% QoQ |
-$2.5M | $7.5M | $6.2M | $8.8M | 15% |
| Branch Count |
1
0 YoY 0 QoQ |
-4 | 4 | 22 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.5%
0.0pp YoY +0.1pp QoQ |
+0.2pp | 0.3% | 0.3% | 0.4% | 82% |
| Nonaccrual |
0.3%
+0.1pp YoY +0.1pp QoQ |
-0.6pp | 0.9% | 0.9% | 1.0% | 39% |
| Allowance Coverage |
0.94x
-19.2% YoY -19.5% QoQ |
-23.21x | 24.15x | 4.87x | 20.23x | 25% |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 0.1% | 0.1% | 0.2% | 18% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
3.6%
-1.6pp YoY +0.8pp QoQ |
-8.6pp | 12.2% | 11.7% | 11.6% | 10% |
| Cost of Funds (YTD) |
3.3%
-0.7pp YoY 0.0pp QoQ |
+1.5pp | 1.7% | 1.8% | 1.7% | 99% |
| Net Income ($, YTD) |
$537,000
-12.5% YoY — QoQ |
-$2.0M | $2.6M | $13.8M | $40.4M | 12% |
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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 (5)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Efficiency Drag
riskEfficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.