BlastPoint's Banking Scorecard
Global Innovations Bank
Kiester, MN
Global Innovations Bank has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 18.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.54% below tier average
- - Net Interest Margin 0.14% below tier average
- - Efficiency Ratio 15.61% above tier average
- - Delinquency Rate 1.17% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$111.3M
+17.1% YoY
-6.0% QoQ
|
-$274.8M |
$386.1M
+0.5% YoY
|
$512.9M
+5.5% YoY
|
$6.2B
+9.1% YoY
|
Bottom 3.1% in tier |
| Total Loans ? |
$70.5M
+54.2% YoY
+22.5% QoQ
|
-$185.2M |
$255.7M
+1.1% YoY
|
$288.3M
+6.9% YoY
|
$3.2B
+10.8% YoY
|
Bottom 7.6% in tier |
| Total Deposits ? |
$100.3M
+16.1% YoY
-8.1% QoQ
|
-$227.7M |
$328.0M
+0.1% YoY
|
$443.8M
+5.0% YoY
|
$4.8B
+8.2% YoY
|
Bottom 5.7% in tier |
| Return on Assets ? |
0.73%
+497.2% YoY
+61.7% QoQ
|
-0.54% |
1.27%
+12.9% YoY
|
1.13%
+10.7% YoY
|
1.23%
+13.4% YoY
|
22% |
| Net Interest Margin ? |
3.80%
+15.3% YoY
+8.7% QoQ
|
-0.14% |
3.93%
+6.0% YoY
|
3.93%
+7.5% YoY
|
3.89%
+5.7% YoY
|
46% |
| Efficiency Ratio ? |
80.90%
-18.8% YoY
-8.9% QoQ
|
+15.61% |
65.29%
-4.5% YoY
|
64.77%
-3.3% YoY
|
66.95%
-4.1% YoY
|
Bottom 14.4% in tier |
| Delinquency Rate ? |
2.06%
+136.8% QoQ
|
+1.17% |
0.89%
+18.8% YoY
|
1.04%
+28.9% YoY
|
0.95%
+18.8% YoY
|
Bottom 12.0% in tier |
| Loan-to-Deposit Ratio ? |
70.28%
+32.8% YoY
+33.3% QoQ
|
-6.36% |
76.64%
+0.8% YoY
|
76.69%
-0.4% YoY
|
76.70%
+0.9% YoY
|
66% |
| Non-Interest-Bearing Deposit Share ? |
21.13%
-13.3% YoY
-21.9% QoQ
|
-0.89% |
22.02%
-1.0% YoY
|
21.87%
-0.9% YoY
|
22.01%
-1.2% YoY
|
50% |
| Nonperforming Asset Ratio ? |
1.30%
+208.7% QoQ
|
+0.66% |
0.64%
+19.7% YoY
|
0.77%
+27.1% YoY
|
0.67%
+19.3% YoY
|
Bottom 14.1% in tier |
| Tier 1 Capital Ratio ? |
11.74%
-26.3% YoY
-12.2% QoQ
|
-4.09% |
15.83%
+1.5% YoY
|
15.37%
+0.7% YoY
|
17.06%
+0.8% YoY
|
32% |
| Non-Interest Income / Assets ? |
1.14%
+4.4% YoY
-71.4% QoQ
|
+0.86% |
0.28%
+9.3% YoY
|
0.16%
+5.0% YoY
|
0.32%
+4.1% YoY
|
Top 1.5% in tier |
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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 (1)
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.