BlastPoint's Banking Scorecard
Global Bank
Designations: ✓ Minority Depository Institution
New York, NY
3 branches across NY
Global Bank faces 7 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 25.8% in tier
- - Credit Risk Growth: Bottom 33.8% in tier
- - Return on Assets 1.04% below tier average
- - Loan-to-Deposit Ratio 33.09% above tier average
- - Nonperforming Asset Ratio 2.57% above tier average
- - Non-Interest Income / Assets 0.25% below tier average
- - Net Interest Margin 0.48% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$279.6M
+7.7% YoY
+2.6% QoQ
|
-$106.5M |
$386.1M
+0.5% YoY
|
$19.3B
+17.3% YoY
|
$6.2B
+9.1% YoY
|
42% |
| Total Loans ? |
$223.8M
+6.1% YoY
+1.7% QoQ
|
-$31.9M |
$255.7M
+1.1% YoY
|
$8.1B
+14.6% YoY
|
$3.2B
+10.8% YoY
|
54% |
| Total Deposits ? |
$203.9M
+3.1% YoY
+0.0% QoQ
|
-$124.0M |
$328.0M
+0.1% YoY
|
$15.1B
+16.0% YoY
|
$4.8B
+8.2% YoY
|
35% |
| Return on Assets ? |
0.23%
-36.4% YoY
-55.7% QoQ
|
-1.04% |
1.27%
+12.9% YoY
|
0.86%
+14.3% YoY
|
1.23%
+13.4% YoY
|
Bottom 6.8% in tier |
| Net Interest Margin ? |
3.45%
-0.1% YoY
-7.8% QoQ
|
-0.48% |
3.93%
+6.0% YoY
|
3.45%
+7.0% YoY
|
3.89%
+5.7% YoY
|
28% |
| Efficiency Ratio ? |
86.82%
+1.8% YoY
+7.7% QoQ
|
+21.53% |
65.29%
-4.5% YoY
|
69.17%
-3.6% YoY
|
66.95%
-4.1% YoY
|
Bottom 8.9% in tier |
| Delinquency Rate ? |
3.57%
+8.6% YoY
-27.4% QoQ
|
+2.69% |
0.89%
+18.8% YoY
|
1.13%
+6.9% YoY
|
0.95%
+18.8% YoY
|
Bottom 4.2% in tier |
| Loan-to-Deposit Ratio ? |
109.73%
+3.0% YoY
+1.7% QoQ
|
+33.09% |
76.64%
+0.8% YoY
|
77.98%
+0.4% YoY
|
76.70%
+0.9% YoY
|
Bottom 2.9% in tier |
| Non-Interest-Bearing Deposit Share ? |
13.13%
+9.3% YoY
+8.4% QoQ
|
-8.89% |
22.02%
-1.0% YoY
|
21.94%
+1.2% YoY
|
22.01%
-1.2% YoY
|
18% |
| Nonperforming Asset Ratio ? |
3.21%
+20.2% YoY
-19.2% QoQ
|
+2.57% |
0.64%
+19.7% YoY
|
0.73%
+4.5% YoY
|
0.67%
+19.3% YoY
|
Bottom 2.6% in tier |
| Tier 1 Capital Ratio ? |
13.18%
-3.6% YoY
-1.4% QoQ
|
-2.65% |
15.83%
+1.5% YoY
|
24.83%
+10.8% YoY
|
17.06%
+0.8% YoY
|
49% |
| Non-Interest Income / Assets ? |
0.03%
-39.2% YoY
-86.0% QoQ
|
-0.25% |
0.28%
+9.3% YoY
|
0.21%
+9.1% YoY
|
0.32%
+4.1% YoY
|
Bottom 6.3% 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 (0)
Concerns (2)
Efficiency Drag
riskEfficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.