BlastPoint's Banking Scorecard

Global Innovations Bank

$100M-$1B Specialty: Agricultural MN FDIC cert 5175

Kiester, MN

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 151 in MN.
Deposits +21.5% year over year ($109.4M on the books).
Delinquency rate 0.03%.
Return on assets 1.37%.
Efficiency ratio 71.29% vs a 64.48% peer average.
Loan-to-deposit ratio 72.13% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 151 in MN

View $100M-$1B leaderboard (MN) →

Global Innovations Bank has 4 strengths but faces 2 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

+ Revenue Diversifier: Top 10.6% in tier
+ ROA 0.05% above tier average
+ Net Interest Margin 0.18% above tier average
+ Delinquency Rate 0.89% below tier average

Key Concerns

Areas that may need attention

- NIB Deposit Bleed: Bottom 36.4% in tier
- Efficiency Ratio 6.81% above tier average

Get updates when Global Innovations Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Total Assets ?	$120.1M +21.5% YoY +7.9% QoQ	-$266.5M	$386.6M +1.2% YoY	$524.5M +5.8% YoY	$6.3B +7.7% YoY	Bottom 5.7% in tier
Total Loans ?	$78.9M +58.6% YoY +12.0% QoQ	-$179.4M	$258.3M +1.7% YoY	$300.2M +7.3% YoY	$3.2B +9.4% YoY	Bottom 10.0% in tier
Total Deposits ?	$109.4M +21.5% YoY +9.1% QoQ	-$217.3M	$326.7M +0.7% YoY	$452.1M +5.5% YoY	$4.9B +7.3% YoY	Bottom 8.5% in tier
Return on Assets ?	1.37% +87.9% QoQ	+0.05%	1.32% +10.8% YoY	1.26% +17.2% YoY	1.30% +12.1% YoY	57%
Net Interest Margin ?	4.16% +19.8% YoY +9.7% QoQ	+0.18%	3.99% +5.0% YoY	4.00% +6.8% YoY	3.95% +4.9% YoY	63%
Efficiency Ratio ?	71.29% -24.0% YoY -11.9% QoQ	+6.81%	64.48% -3.2% YoY	63.00% -3.5% YoY	70.05% +2.5% YoY	27%
Delinquency Rate ?	0.03% -75.2% YoY -98.5% QoQ	-0.89%	0.92% +15.7% YoY	1.01% +19.3% YoY	0.98% +16.3% YoY	82%
Loan-to-Deposit Ratio ?	72.13% +30.6% YoY +2.6% QoQ	-5.82%	77.95% +1.0% YoY	78.29% -0.6% YoY	79.03% +2.3% YoY	66%
Non-Interest-Bearing Deposit Share ?	19.19% -25.4% YoY -9.2% QoQ	-2.84%	22.03% -0.6% YoY	21.79% +0.9% YoY	21.98% -0.6% YoY	42%
Nonperforming Asset Ratio ?	0.02% -67.6% YoY -98.5% QoQ	-0.65%	0.67% +16.4% YoY	0.76% +16.9% YoY	0.69% +15.8% YoY	84%
Tier 1 Capital Ratio ?	11.57% -22.4% YoY -1.5% QoQ	-4.34%	15.91% +1.4% YoY	15.35% -0.4% YoY	17.09% +0.8% YoY	30%
Non-Interest Income / Assets ?	2.28% +3.6% YoY +99.8% QoQ	+1.71%	0.57% +7.6% YoY	0.31% +3.9% YoY	0.66% +5.2% YoY	Top 1.4% in tier

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 (MN)	National Avg	Tier Percentile
Noninterest-Bearing	19.2% -6.5pp YoY -1.9pp QoQ	-3.0pp	22.1%	21.9%	22.2%	41%
Brokered Deposits	7.3% -1.1pp QoQ	-0.5pp	7.9%	8.3%	8.5%	65%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
C&I	7.4% +0.5pp YoY -1.0pp QoQ	-4.1pp	11.6%	14.6%	12.5%	36%
CRE	n/a	n/a	39.5%	36.5%	41.4%	n/a
1-4 Family	11.7% -4.3pp YoY -0.6pp QoQ	-20.9pp	32.6%	29.4%	31.3%	13%
Consumer	0.6% -0.7pp YoY -0.2pp QoQ	-3.5pp	4.1%	4.5%	5.0%	20%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
CET1 Ratio	11.6% -3.3pp YoY -0.2pp QoQ	-7.3pp	18.8%	16.5%	19.7%	13%
Leverage Ratio	8.5% -0.5pp YoY 0.0pp QoQ	-3.7pp	12.2%	11.0%	12.6%	6%
Total Capital Ratio	12.5% -3.4pp YoY -0.1pp QoQ	-7.5pp	19.9%	17.6%	20.8%	11%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Full-Time Employees	25 0 YoY 0 QoQ	-34	58	55	482	19%
Assets per Employee ($)	$4.8M +21.5% YoY +7.9% QoQ	-$2.7M	$7.5M	$8.6M	$8.8M	12%
Branch Count	1 0 YoY 0 QoQ	-4	4	4	18	0%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% -0.1pp YoY -2.0pp QoQ	-0.3pp	0.3%	0.4%	0.4%	31%
Nonaccrual	n/a	n/a	0.9%	1.0%	1.0%	n/a
Allowance Coverage	31.58x +277.0% YoY +7180.7% QoQ	+7.43x	24.15x	20.41x	20.23x	92%
Net Charge-off Rate (YTD)	-0.0% 0.0pp YoY 0.0pp QoQ	-0.2pp	0.1%	0.2%	0.2%	10%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
ROE	17.7% +16.3pp YoY +8.1pp QoQ	+5.5pp	12.2%	13.1%	11.6%	80%
Cost of Funds (YTD)	3.0% -0.7pp YoY -0.1pp QoQ	+1.3pp	1.7%	1.7%	1.7%	98%
Net Income ($, YTD)	$801,000 +1281.0% YoY — QoQ	-$1.8M	$2.6M	$4.5M	$40.4M	20%

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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 (1)

Revenue Diversifier

growth

#71 of 661 • Top 10.6% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 2.28%

(Tier: 0.57%, National: 0.66%)

better than tier avg

Return on Assets: 1.37%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank improving

Concerns (1)

NIB Deposit Bleed

decline

#60 of 162 • Bottom 36.4% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature

Noninterest-Bearing Deposit Share: 19.19%

(Tier: 22.03%, National: 21.98%)

worse than tier avg

162 of 162 Community banks match · 211 nationally

↓ Shrinking -26 banks QoQ

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 2643 peers in $100M-$1B

Top Strengths (3 metrics)

Non-Interest Income / Assets

revenue_mix

Value: 2.28%

Peer Median: 0.57%

#39 of 2643 Top 1.4% in $100M-$1B

425

Nonperforming Asset Ratio

credit_quality

Value: 0.02%

Peer Median: 0.67%

#425 of 2643 Top 16.0% in $100M-$1B

467

Delinquency Rate

credit_quality

Value: 0.03%

Peer Median: 0.92%

#467 of 2633 Top 17.7% in $100M-$1B

Top Weaknesses (3 metrics)

2493

Total Assets

size

Value: $120.07M

Peer Median: $386.57M

#2493 of 2643 Bottom 5.7% in $100M-$1B

2420

Total Deposits

size

Value: $109.40M

Peer Median: $326.73M

#2420 of 2643 Bottom 8.5% in $100M-$1B

2379

Total Loans

size

Value: $78.91M

Peer Median: $258.35M

#2379 of 2643 Bottom 10.0% in $100M-$1B