BlastPoint's Banking Scorecard
Grasshopper Bank, N.A.
Designations: ✓ Community bank
New York, NY
2 branches across MI · NY
Grasshopper Bank, N.A. has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 28.0% in tier
- + Delinquency Rate 0.41% below tier average
Key Concerns
Areas that may need attention
- - NIB Deposit Bleed: Bottom 11.1% in tier
- - Net Interest Margin 0.24% below tier average
- - Efficiency Ratio 14.54% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.5B
+63.2% YoY
-3.2% QoQ
|
-$1.3B |
$2.8B
-0.1% YoY
|
$19.3B
+17.3% YoY
|
$6.2B
+9.1% YoY
|
35% |
| Total Loans ? |
$1.2B
+67.0% YoY
+5.9% QoQ
|
-$795.8M |
$2.0B
+0.6% YoY
|
$8.1B
+14.6% YoY
|
$3.2B
+10.8% YoY
|
42% |
| Total Deposits ? |
$1.4B
+62.9% YoY
-3.9% QoQ
|
-$974.4M |
$2.3B
-0.3% YoY
|
$15.1B
+16.0% YoY
|
$4.8B
+8.2% YoY
|
40% |
| Return on Assets ? |
1.40%
-48.5% QoQ
|
+0.03% |
1.37%
+19.6% YoY
|
0.86%
+14.3% YoY
|
1.23%
+13.4% YoY
|
64% |
| Net Interest Margin ? |
3.58%
+19.1% YoY
+6.0% QoQ
|
-0.24% |
3.82%
+6.9% YoY
|
3.45%
+7.0% YoY
|
3.89%
+5.7% YoY
|
46% |
| Efficiency Ratio ? |
75.60%
-19.6% YoY
+0.0% QoQ
|
+14.54% |
61.06%
-4.6% YoY
|
69.17%
-3.6% YoY
|
66.95%
-4.1% YoY
|
Bottom 13.5% in tier |
| Delinquency Rate ? |
0.48%
-64.2% YoY
-13.2% QoQ
|
-0.41% |
0.89%
+14.1% YoY
|
1.13%
+6.9% YoY
|
0.95%
+18.8% YoY
|
55% |
| Loan-to-Deposit Ratio ? |
85.40%
+2.5% YoY
+10.2% QoQ
|
+1.19% |
84.20%
+0.3% YoY
|
77.98%
+0.4% YoY
|
76.70%
+0.9% YoY
|
53% |
| Non-Interest-Bearing Deposit Share ? |
10.64%
-51.9% YoY
-37.7% QoQ
|
-10.65% |
21.29%
-2.5% YoY
|
21.94%
+1.2% YoY
|
22.01%
-1.2% YoY
|
Bottom 13.1% in tier |
| Nonperforming Asset Ratio ? |
0.39%
-60.9% YoY
-0.8% QoQ
|
-0.28% |
0.67%
+15.6% YoY
|
0.73%
+4.5% YoY
|
0.67%
+19.3% YoY
|
54% |
| Tier 1 Capital Ratio ? |
10.26%
-22.3% YoY
+2.0% QoQ
|
-4.90% |
15.16%
+2.0% YoY
|
24.83%
+10.8% YoY
|
17.06%
+0.8% YoY
|
Bottom 6.9% in tier |
| Non-Interest Income / Assets ? |
0.41%
+40.0% YoY
-69.5% QoQ
|
+0.15% |
0.26%
+1.6% YoY
|
0.21%
+9.1% YoY
|
0.32%
+4.1% YoY
|
Top 8.5% in tier |
Get Full Access to Grasshopper Bank, N.A.
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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 (1)
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.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.