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Green Dot Bank DBA Bonneville Bank
Provo, UT·FDIC Cert #22653·Charter: STATE·Est. 19780515.0·HC: GREEN DOT CORP
Total Assets
$5.2B
Q4 2025
Return on Assets
1.24%
+0.18%Peer avg: 1.22%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
91.80%
Peer avg: 57.5%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
55
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.24%+0.18
ROE
30.96%+1.87
Efficiency
91.80%-0.06
Equity/Assets
0.00%+0.00
NPL Ratio
1.67%-3.13
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
2.28%+1.36
Charge-offs
36.53%-3.93
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 2.1 | 1.1 | 1.4 | 1.3 | 0.1 | 0.8 | 1.1 | 1.2 |
| ROE | 82.3 | 46.2 | 49.6 | 50.1 | 1.9 | 23.9 | 29.1 | 31.0 |
| Efficiency | 50.7 | 67.5 | 71.7 | 82.2 | 92.0 | 91.9 | 91.9 | 91.8 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 6.5 | 7.4 | 7.1 | 3.6 | 4.0 | 4.9 | 4.8 | 1.7 |
| Charge-offs | 45.4 | 47.3 | 49.3 | 45.8 | 30.3 | 36.9 | 40.5 | 36.5 |
| Loan/Deposit | 1.0 | 0.7 | 0.9 | 1.7 | 1.2 | 0.8 | 0.9 | 2.3 |
Balance Sheet
Total Assets$5.2B
Total Deposits$4.9B
Total Loans$110.9M
Total Equity$278.6M
Profitability
ROA1.24%
ROE30.96%
Efficiency Ratio91.80%
Net Income$60.9M
Risk & Asset Quality
NPL Ratio1.67%
Charge-off Rate36.53%
Loan/Deposit2.28%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans