BlastPoint's Banking Scorecard
GBank
Designations: ✓ Community bank
Las Vegas, NV
2 branches across NV
GBank has 2 strengths but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 37.6% in tier
- + Net Interest Margin 0.15% above tier average
Key Concerns
Areas that may need attention
- - NIB Deposit Bleed: Bottom 27.8% in tier
- - Cost Spiral: Bottom 93.5% in tier
- - Delinquency Rate 2.76% above tier average
- - Nonperforming Asset Ratio 2.50% above tier average
- - ROA 0.71% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.4B
+17.2% YoY
+2.5% QoQ
|
-$1.4B |
$2.8B
-0.1% YoY
|
$3.1B
+7.5% YoY
|
$6.2B
+9.1% YoY
|
28% |
| Total Loans ? |
$1.1B
+24.3% YoY
+9.4% QoQ
|
-$876.0M |
$2.0B
+0.6% YoY
|
$1.6B
+22.3% YoY
|
$3.2B
+10.8% YoY
|
37% |
| Total Deposits ? |
$1.2B
+17.7% YoY
+2.9% QoQ
|
-$1.2B |
$2.3B
-0.3% YoY
|
$2.1B
+0.1% YoY
|
$4.8B
+8.2% YoY
|
29% |
| Return on Assets ? |
0.66%
-67.4% YoY
-67.2% QoQ
|
-0.71% |
1.37%
+19.6% YoY
|
3.24%
-3.8% YoY
|
1.23%
+13.4% YoY
|
Bottom 14.7% in tier |
| Net Interest Margin ? |
3.97%
-11.0% YoY
-10.9% QoQ
|
+0.15% |
3.82%
+6.9% YoY
|
5.24%
+3.6% YoY
|
3.89%
+5.7% YoY
|
70% |
| Efficiency Ratio ? |
74.16%
+39.3% YoY
+39.3% QoQ
|
+13.10% |
61.06%
-4.6% YoY
|
57.12%
-16.3% YoY
|
66.95%
-4.1% YoY
|
16% |
| Delinquency Rate ? |
3.65%
+56.9% YoY
+10.1% QoQ
|
+2.76% |
0.89%
+14.1% YoY
|
1.11%
-32.2% YoY
|
0.95%
+18.8% YoY
|
Bottom 2.8% in tier |
| Loan-to-Deposit Ratio ? |
91.80%
+5.6% YoY
+6.3% QoQ
|
+7.59% |
84.20%
+0.3% YoY
|
80.72%
+7.8% YoY
|
76.70%
+0.9% YoY
|
32% |
| Non-Interest-Bearing Deposit Share ? |
19.38%
-23.2% YoY
-0.3% QoQ
|
-1.91% |
21.29%
-2.5% YoY
|
22.43%
-7.9% YoY
|
22.01%
-1.2% YoY
|
48% |
| Nonperforming Asset Ratio ? |
3.18%
+84.9% YoY
+15.1% QoQ
|
+2.50% |
0.67%
+15.6% YoY
|
0.75%
-3.5% YoY
|
0.67%
+19.3% YoY
|
Bottom 2.4% in tier |
| Tier 1 Capital Ratio ? |
13.39%
-5.9% YoY
-0.3% QoQ
|
-1.77% |
15.16%
+2.0% YoY
|
22.57%
+2.5% YoY
|
17.06%
+0.8% YoY
|
54% |
| Non-Interest Income / Assets ? |
0.54%
+16.4% YoY
-70.8% QoQ
|
+0.28% |
0.26%
+1.6% YoY
|
1.43%
+2.0% YoY
|
0.32%
+4.1% YoY
|
Top 5.7% 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 (2)
NIB Deposit Bleed
declineNon-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.
Cost Spiral
riskHistorically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.