BlastPoint's Banking Scorecard

GBank

$1B-$10B Specialty: Commercial NV FDIC cert 58626

Designations: ✓ Community bank

Las Vegas, NV

2 branches across NV

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 885 banks in the $1B-$10B peer group nationwide — 1 of 4 in NV.
Deposits +17.0% year over year ($1.2B on the books).
Delinquency rate 5.02%.
Return on assets 1.31%.
Efficiency ratio 60.13% vs a 59.73% peer average.
Loan-to-deposit ratio 88.98% vs a 85.04% peer average.

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

885 banks in the $1B-$10B peer group nationally 4 in NV

View $1B-$10B leaderboard (NV) →

GBank has 2 strengths but faces 4 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 22.1% in tier
+ Net Interest Margin 0.12% above tier average

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 23.5% in tier
- Cost Spiral: Bottom 54.8% in tier
- Delinquency Rate 4.15% above tier average
- Nonperforming Asset Ratio 3.54% above tier average

Get updates when GBank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (NV)	National Avg	Tier Percentile
Total Assets ?	$1.4B +16.2% YoY +2.7% QoQ	-$1.4B	$2.8B -0.6% YoY	$3.1B +2.3% YoY	$6.3B +7.7% YoY	31%
Total Loans ?	$1.1B +19.6% YoY -0.3% QoQ	-$877.4M	$2.0B -0.3% YoY	$1.6B +20.6% YoY	$3.2B +9.4% YoY	36%
Total Deposits ?	$1.2B +17.0% YoY +2.9% QoQ	-$1.1B	$2.3B -0.5% YoY	$2.0B +3.4% YoY	$4.9B +7.3% YoY	33%
Return on Assets ?	1.31% -33.7% YoY +99.7% QoQ	-0.08%	1.39% +17.0% YoY	3.59% +7.1% YoY	1.30% +12.1% YoY	56%
Net Interest Margin ?	3.99% -10.3% YoY +0.6% QoQ	+0.12%	3.87% +6.2% YoY	5.65% +11.1% YoY	3.95% +4.9% YoY	67%
Efficiency Ratio ?	60.13% +14.9% YoY -18.9% QoQ	+0.40%	59.73% -12.6% YoY	55.66% -2.7% YoY	70.05% +2.5% YoY	47%
Delinquency Rate ?	5.02% +148.0% YoY +37.6% QoQ	+4.15%	0.87% +11.7% YoY	1.02% -35.3% YoY	0.98% +16.3% YoY	Bottom 0.7% in tier
Loan-to-Deposit Ratio ?	88.98% +2.3% YoY -3.1% QoQ	+3.94%	85.04% -0.1% YoY	86.66% +13.2% YoY	79.03% +2.3% YoY	45%
Non-Interest-Bearing Deposit Share ?	20.29% -11.8% YoY +4.7% QoQ	-0.98%	21.27% -1.5% YoY	21.87% -6.7% YoY	21.98% -0.6% YoY	53%
Nonperforming Asset Ratio ?	4.22% +181.9% YoY +32.8% QoQ	+3.54%	0.67% +11.7% YoY	0.74% +3.7% YoY	0.69% +15.8% YoY	Bottom 0.5% in tier
Tier 1 Capital Ratio ?	13.15% -4.9% YoY -1.8% QoQ	-1.69%	14.84% -0.4% YoY	23.41% +6.1% YoY	17.09% +0.8% YoY	51%
Non-Interest Income / Assets ?	1.17% +31.5% YoY +116.8% QoQ	+0.64%	0.53% +2.5% YoY	2.78% +2.3% YoY	0.66% +5.2% YoY	Top 5.4% 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 (NV)	National Avg	Tier Percentile
Noninterest-Bearing	20.3% -2.7pp YoY +0.9pp QoQ	-1.1pp	21.4%	25.5%	22.2%	52%
Brokered Deposits	9.8% +1.5pp YoY -1.0pp QoQ	+0.4pp	9.5%	31.0%	8.5%	68%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (NV)	National Avg	Tier Percentile
C&I	8.1% +1.4pp YoY +0.3pp QoQ	-5.9pp	14.0%	22.5%	12.5%	35%
CRE	92.4% -0.8pp YoY -0.2pp QoQ	+42.3pp	50.0%	68.4%	41.4%	100%
1-4 Family	0.1% -0.6pp YoY 0.0pp QoQ	-26.3pp	26.4%	12.7%	31.3%	0%
Consumer	0.6% +0.2pp YoY +0.1pp QoQ	-4.1pp	4.7%	31.5%	5.0%	34%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (NV)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	15.6%	29.4%	19.7%	n/a
Leverage Ratio	13.2% -0.7pp YoY -0.2pp QoQ	+1.8pp	11.3%	16.3%	12.6%	86%
Total Capital Ratio	n/a	n/a	16.7%	30.3%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (NV)	National Avg	Tier Percentile
Full-Time Employees	189 +1 (+0.5%) YoY 0 QoQ	-125	313	177	482	37%
Assets per Employee ($)	$7.6M +15.6% YoY +2.7% QoQ	-$2.9M	$10.5M	$17.0M	$8.8M	32%
Branch Count	2 0 YoY 0 QoQ	-18	20	2	18	5%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (NV)	National Avg	Tier Percentile
Past Due 90+ Days	0.4% +0.4pp YoY	+0.2pp	0.2%	0.9%	0.4%	93%
Nonaccrual	4.6% +2.6pp YoY +1.0pp QoQ	+3.8pp	0.8%	1.0%	1.0%	99%
Allowance Coverage	0.23x -54.5% YoY -15.8% QoQ	-18.48x	18.71x	4.66x	20.23x	1%
Net Charge-off Rate (YTD)	0.5% +0.1pp YoY -0.1pp QoQ	+0.2pp	0.3%	1.2%	0.2%	92%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (NV)	National Avg	Tier Percentile
ROE	10.1% -5.1pp YoY +5.0pp QoQ	-2.5pp	12.6%	17.9%	11.6%	33%
Cost of Funds (YTD)	2.8% +0.1pp YoY +0.1pp QoQ	+0.9pp	1.9%	2.0%	1.7%	93%
Net Income ($, YTD)	$9.1M -21.7% YoY — QoQ	-$10.1M	$19.2M	$65.7M	$40.4M	35%

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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

#50 of 222 • Top 22.1% 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: 1.17%

(Tier: 0.53%, National: 0.66%)

better than tier avg

Return on Assets: 1.31%

(Tier: 1.39%, National: 1.30%)

but worse than tier avg

222 of 222 Mid-Market banks match · 923 nationally

→ Stable | QoQ rank improving

Concerns (2)

Margin Compression

decline

#21 of 85 • Bottom 23.5% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature

Return on Assets: 1.31%

(Tier: 1.39%, National: 1.30%)

worse than tier avg

85 of 85 Mid-Market banks match · 413 nationally

→ Stable +8 banks QoQ

Cost Spiral

risk

#18 of 31 • Bottom 54.8% in tier

Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.

Why this signature

Efficiency Ratio: 60.13%

(Tier: 59.73%, National: 70.05%)

worse than tier avg

31 of 31 Mid-Market banks match · 184 nationally

→ Stable +9 banks QoQ | QoQ rank improving

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 885 peers in $1B-$10B

Top Strengths (1 metrics)

Non-Interest Income / Assets

revenue_mix

Value: 1.17%

Peer Median: 0.53%

#49 of 885 Top 5.4% in $1B-$10B

Top Weaknesses (2 metrics)

882

Nonperforming Asset Ratio

credit_quality

Value: 4.22%

Peer Median: 0.67%

#882 of 885 Bottom 0.5% in $1B-$10B

877

Delinquency Rate

credit_quality

Value: 5.02%

Peer Median: 0.87%

#877 of 882 Bottom 0.7% in $1B-$10B