BlastPoint's Banking Scorecard

Grasshopper Bank, N.A.

$1B-$10B Specialty: Commercial NY FDIC cert 59113

Designations: ✓ Community bank

New York, NY

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 40 in NY.
Deposits +20.4% year over year ($1.4B on the books).
Delinquency rate 0.47%.
Return on assets 1.04%.
Efficiency ratio 76.79% vs a 59.73% peer average.
Loan-to-deposit ratio 82.99% 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 40 in NY

View $1B-$10B leaderboard (NY) →

Grasshopper Bank, N.A. 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 39.2% in tier
+ Delinquency Rate 0.40% below tier average

Key Concerns

Areas that may need attention

- NIB Deposit Bleed: Bottom 8.7% in tier
- Efficiency Ratio 17.06% above tier average
- ROA 0.35% below tier average
- Net Interest Margin 0.18% below tier average

Get updates when Grasshopper Bank, N.A. releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Total Assets ?	$1.6B +20.1% YoY +4.7% QoQ	-$1.2B	$2.8B -0.6% YoY	$19.3B +10.2% YoY	$6.3B +7.7% YoY	39%
Total Loans ?	$1.2B +25.1% YoY +2.0% QoQ	-$770.9M	$2.0B -0.3% YoY	$8.2B +12.4% YoY	$3.2B +9.4% YoY	43%
Total Deposits ?	$1.4B +20.4% YoY +5.0% QoQ	-$882.1M	$2.3B -0.5% YoY	$14.8B +8.7% YoY	$4.9B +7.3% YoY	43%
Return on Assets ?	1.04% +58.4% YoY -25.6% QoQ	-0.35%	1.39% +17.0% YoY	0.94% +14.0% YoY	1.30% +12.1% YoY	33%
Net Interest Margin ?	3.69% +13.8% YoY +3.0% QoQ	-0.18%	3.87% +6.2% YoY	3.52% +6.2% YoY	3.95% +4.9% YoY	49%
Efficiency Ratio ?	76.79% -7.4% YoY +1.6% QoQ	+17.06%	59.73% -12.6% YoY	67.96% -1.8% YoY	70.05% +2.5% YoY	Bottom 9.7% in tier
Delinquency Rate ?	0.47% -72.1% YoY -2.3% QoQ	-0.40%	0.87% +11.7% YoY	1.19% +15.7% YoY	0.98% +16.3% YoY	55%
Loan-to-Deposit Ratio ?	82.99% +3.9% YoY -2.8% QoQ	-2.05%	85.04% -0.1% YoY	79.34% +1.1% YoY	79.03% +2.3% YoY	61%
Non-Interest-Bearing Deposit Share ?	12.66% -29.8% YoY +19.0% QoQ	-8.61%	21.27% -1.5% YoY	22.09% +0.6% YoY	21.98% -0.6% YoY	18%
Nonperforming Asset Ratio ?	0.37% -69.4% YoY -4.8% QoQ	-0.30%	0.67% +11.7% YoY	0.79% +14.5% YoY	0.69% +15.8% YoY	55%
Tier 1 Capital Ratio ?	10.17% -2.5% YoY -0.9% QoQ	-4.68%	14.84% -0.4% YoY	23.90% +5.3% YoY	17.09% +0.8% YoY	Bottom 7.0% in tier
Non-Interest Income / Assets ?	0.81% +34.1% YoY +98.1% QoQ	+0.28%	0.53% +2.5% YoY	0.52% +23.2% YoY	0.66% +5.2% YoY	Top 8.6% 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 (NY)	National Avg	Tier Percentile
Noninterest-Bearing	12.7% -5.4pp YoY +2.0pp QoQ	-8.7pp	21.4%	22.1%	22.2%	17%
Brokered Deposits	n/a	n/a	9.5%	8.0%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
C&I	23.7% +1.4pp YoY +0.2pp QoQ	+9.6pp	14.0%	11.0%	12.5%	86%
CRE	n/a	n/a	50.0%	46.2%	41.4%	n/a
1-4 Family	20.9% -8.2pp YoY -1.3pp QoQ	-5.5pp	26.4%	36.6%	31.3%	44%
Consumer	21.4% 0.0pp YoY +0.6pp QoQ	+16.7pp	4.7%	5.1%	5.0%	96%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
CET1 Ratio	10.2% -0.2pp YoY -0.1pp QoQ	-5.4pp	15.6%	26.1%	19.7%	2%
Leverage Ratio	8.2% +0.1pp YoY +0.2pp QoQ	-3.1pp	11.3%	13.9%	12.6%	3%
Total Capital Ratio	11.0% -0.3pp YoY -0.1pp QoQ	-5.7pp	16.7%	27.2%	20.8%	1%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Full-Time Employees	156 +11 (+7.6%) YoY +2 (+1.3%) QoQ	-158	313	914	482	24%
Assets per Employee ($)	$10.3M +11.7% YoY +3.3% QoQ	-$201K	$10.5M	$14.8M	$8.8M	68%
Branch Count	1 -1 (-50.0%) YoY 0 QoQ	-19	20	27	18	0%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.2%	0.1%	0.4%	n/a
Nonaccrual	0.5% -1.2pp YoY 0.0pp QoQ	-0.4pp	0.8%	1.3%	1.0%	46%
Allowance Coverage	1.82x +226.7% YoY +4.4% QoQ	-16.89x	18.71x	1.92x	20.23x	45%
Net Charge-off Rate (YTD)	-0.2% -0.7pp YoY +0.5pp QoQ	-0.5pp	0.3%	0.1%	0.2%	1%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
ROE	11.5% +3.3pp YoY -4.0pp QoQ	-1.1pp	12.6%	7.9%	11.6%	45%
Cost of Funds (YTD)	2.4% -0.6pp YoY 0.0pp QoQ	+0.5pp	1.9%	1.8%	1.7%	83%
Net Income ($, YTD)	$8.2M +137.9% YoY — QoQ	-$11.1M	$19.2M	$111.2M	$40.4M	30%

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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

#88 of 222 • Top 39.2% 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: 0.81%

(Tier: 0.53%, National: 0.66%)

better than tier avg

Return on Assets: 1.04%

(Tier: 1.39%, National: 1.30%)

but worse than tier avg

222 of 222 Mid-Market banks match · 923 nationally

→ Stable | QoQ rank declining

Concerns (1)

NIB Deposit Bleed

decline

#5 of 46 • Bottom 8.7% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature

Noninterest-Bearing Deposit Share: 12.66%

(Tier: 21.27%, National: 21.98%)

worse than tier avg

46 of 46 Mid-Market banks match · 211 nationally

↓ Shrinking -26 banks QoQ

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: 0.81%

Peer Median: 0.53%

#77 of 885 Top 8.6% in $1B-$10B

Top Weaknesses (3 metrics)

824

Tier 1 Capital Ratio

capital

Value: 10.17%

Peer Median: 14.84%

#824 of 885 Bottom 7.0% in $1B-$10B

800

Efficiency Ratio

profitability

Value: 76.79%

Peer Median: 59.73%

#800 of 885 Bottom 9.7% in $1B-$10B

731

Non-Interest-Bearing Deposit Share

funding

Value: 12.66%

Peer Median: 21.27%

#731 of 885 Bottom 17.5% in $1B-$10B