BlastPoint's Banking Scorecard
Grand River Bank
Grandville, MI
2 branches across MI
Grand River Bank has 1 strength but faces 7 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.68% below tier average
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 7.2% in tier
- - Liquidity Strain: Bottom 7.8% in tier
- - Credit Quality Pressure: Bottom 21.8% in tier
- - Net Interest Margin 1.12% below tier average
- - Non-Interest Income / Assets 0.25% below tier average
- - ROA 0.63% below tier average
- - Efficiency Ratio 15.82% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$510.5M
-1.1% YoY
-1.1% QoQ
|
+$124.4M |
$386.1M
+0.5% YoY
|
$993.6M
+8.4% YoY
|
$6.2B
+9.1% YoY
|
73% |
| Total Loans ? |
$434.2M
-5.8% YoY
-1.6% QoQ
|
+$178.5M |
$255.7M
+1.1% YoY
|
$752.3M
+12.4% YoY
|
$3.2B
+10.8% YoY
|
83% |
| Total Deposits ? |
$440.0M
+0.8% YoY
-1.4% QoQ
|
+$112.0M |
$328.0M
+0.1% YoY
|
$797.0M
+7.4% YoY
|
$4.8B
+8.2% YoY
|
74% |
| Return on Assets ? |
0.63%
+124.0% YoY
+68.7% QoQ
|
-0.63% |
1.27%
+12.9% YoY
|
1.15%
+25.2% YoY
|
1.23%
+13.4% YoY
|
18% |
| Net Interest Margin ? |
2.81%
+4.0% YoY
+1.9% QoQ
|
-1.12% |
3.93%
+6.0% YoY
|
3.99%
+5.8% YoY
|
3.89%
+5.7% YoY
|
Bottom 7.0% in tier |
| Efficiency Ratio ? |
81.10%
-10.4% YoY
-4.4% QoQ
|
+15.82% |
65.29%
-4.5% YoY
|
66.95%
-6.2% YoY
|
66.95%
-4.1% YoY
|
Bottom 14.2% in tier |
| Delinquency Rate ? |
0.21%
+110.3% YoY
+1.4% QoQ
|
-0.68% |
0.89%
+18.8% YoY
|
0.77%
+21.7% YoY
|
0.95%
+18.8% YoY
|
64% |
| Loan-to-Deposit Ratio ? |
98.68%
-6.6% YoY
-0.2% QoQ
|
+22.05% |
76.64%
+0.8% YoY
|
78.66%
+4.9% YoY
|
76.70%
+0.9% YoY
|
Bottom 10.1% in tier |
| Non-Interest-Bearing Deposit Share ? |
20.03%
-4.4% YoY
+1.6% QoQ
|
-1.99% |
22.02%
-1.0% YoY
|
24.69%
-2.1% YoY
|
22.01%
-1.2% YoY
|
45% |
| Nonperforming Asset Ratio ? |
0.18%
+100.3% YoY
+0.9% QoQ
|
-0.46% |
0.64%
+19.7% YoY
|
0.58%
+27.6% YoY
|
0.67%
+19.3% YoY
|
62% |
| Tier 1 Capital Ratio ? |
12.40%
+9.0% YoY
+3.4% QoQ
|
-3.43% |
15.83%
+1.5% YoY
|
20.91%
+0.5% YoY
|
17.06%
+0.8% YoY
|
40% |
| Non-Interest Income / Assets ? |
0.03%
+13.7% YoY
-76.3% QoQ
|
-0.25% |
0.28%
+9.3% YoY
|
0.19%
+5.8% YoY
|
0.32%
+4.1% YoY
|
Bottom 7.3% 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 (3)
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.