BlastPoint's Banking Scorecard
Grove Bank
Designations: ✓ Community bank
Grove City, MN
Grove Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.33% above tier average
- + Delinquency Rate 1.13% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.78% below tier average
- - Efficiency Ratio 5.49% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$54.7M
-7.3% YoY
-3.4% QoQ
|
-$7.4M |
$62.2M
-0.6% YoY
|
$512.9M
+5.5% YoY
|
$6.2B
+9.1% YoY
|
38% |
| Total Loans ? |
$36.6M
+8.1% YoY
+2.7% QoQ
|
+$2.4M |
$34.2M
-1.4% YoY
|
$288.3M
+6.9% YoY
|
$3.2B
+10.8% YoY
|
58% |
| Total Deposits ? |
$44.4M
-3.4% YoY
-1.6% QoQ
|
-$7.4M |
$51.7M
-0.7% YoY
|
$443.8M
+5.0% YoY
|
$4.8B
+8.2% YoY
|
36% |
| Return on Assets ? |
0.06%
+124.4% YoY
+137.1% QoQ
|
-0.78% |
0.84%
-2.3% YoY
|
1.13%
+10.7% YoY
|
1.23%
+13.4% YoY
|
16% |
| Net Interest Margin ? |
4.19%
+8.8% YoY
+0.4% QoQ
|
+0.33% |
3.86%
+2.8% YoY
|
3.93%
+7.5% YoY
|
3.89%
+5.7% YoY
|
65% |
| Efficiency Ratio ? |
93.83%
-12.4% YoY
-6.7% QoQ
|
+5.49% |
88.34%
+0.3% YoY
|
64.77%
-3.3% YoY
|
66.95%
-4.1% YoY
|
17% |
| Delinquency Rate ? |
0.25%
-39.7% YoY
+8.1% QoQ
|
-1.13% |
1.37%
+33.8% YoY
|
1.04%
+28.9% YoY
|
0.95%
+18.8% YoY
|
56% |
| Loan-to-Deposit Ratio ? |
82.49%
+11.9% YoY
+4.4% QoQ
|
+18.27% |
64.22%
-0.7% YoY
|
76.69%
-0.4% YoY
|
76.70%
+0.9% YoY
|
24% |
| Non-Interest-Bearing Deposit Share ? |
18.28%
+18.7% YoY
+0.6% QoQ
|
-5.43% |
23.71%
+0.3% YoY
|
21.87%
-0.9% YoY
|
22.01%
-1.2% YoY
|
34% |
| Nonperforming Asset Ratio ? |
0.16%
-29.7% YoY
+15.0% QoQ
|
-0.62% |
0.79%
+28.2% YoY
|
0.77%
+27.1% YoY
|
0.67%
+19.3% YoY
|
55% |
| Tier 1 Capital Ratio ? |
13.12%
+39.2% YoY
-2.4% QoQ
|
-13.56% |
26.68%
+2.0% YoY
|
15.37%
+0.7% YoY
|
17.06%
+0.8% YoY
|
33% |
| Non-Interest Income / Assets ? |
0.02%
+18.6% YoY
-76.8% QoQ
|
-0.65% |
0.67%
+1.9% YoY
|
0.16%
+5.0% YoY
|
0.32%
+4.1% YoY
|
Bottom 13.7% 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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.