BlastPoint's Banking Scorecard
Grinnell State Bank
Community
Specialty: Commercial
IA
FDIC cert 11347
Grinnell, IA
1484
banks in Community tier nationally
58 in IA
View Community leaderboard (IA) →
Grinnell State Bank faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 14% in Community
- - Flatlined Growth: Bottom 50% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$500.3M
+1.5% YoY
+3.6% QoQ
|
-$891.2M |
$1.4B
+2.0% YoY
|
$554.4M
+4.9% YoY
|
$5.9B
+6.5% YoY
|
Bottom 1% in tier |
| Total Loans ? |
$356.0M
-4.6% YoY
-1.8% QoQ
|
-$619.5M |
$975.5M
+2.4% YoY
|
$379.4M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
Bottom 9% in tier |
| Total Deposits ? |
$347.9M
+4.2% YoY
+8.7% QoQ
|
-$816.7M |
$1.2B
+1.7% YoY
|
$463.0M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
Bottom 1% in tier |
| Return on Assets ? |
0.95%
+40.4% YoY
+6.5% QoQ
|
-0.22% |
1.16%
+17.2% YoY
|
1.18%
+29.0% YoY
|
1.12%
+15.6% YoY
|
34% |
| Net Interest Margin ? |
3.41%
+23.8% YoY
+1.1% QoQ
|
-0.26% |
3.66%
+9.1% YoY
|
3.37%
+11.5% YoY
|
3.75%
+7.1% YoY
|
37% |
| Efficiency Ratio ? |
60.48%
-12.2% YoY
+2.2% QoQ
|
-2.15% |
62.63%
-5.3% YoY
|
59.86%
-8.6% YoY
|
65.09%
-5.1% YoY
|
55% |
| Delinquency Rate ? |
1.55%
-15.6% YoY
+18.7% QoQ
|
+0.92% |
0.63%
+18.3% YoY
|
0.57%
+48.1% YoY
|
0.66%
+20.3% YoY
|
Bottom 15% in tier |
| Loan-to-Deposit Ratio ? |
102.31%
-8.4% YoY
-9.7% QoQ
|
+19.25% |
83.06%
+0.3% YoY
|
79.50%
+1.5% YoY
|
78.04%
+0.7% YoY
|
Bottom 10% in tier |
| Non-Interest-Bearing Deposit Share ? |
21.70%
-11.7% YoY
-13.0% QoQ
|
+0.65% |
21.05%
-0.9% YoY
|
18.11%
-1.9% YoY
|
21.79%
-1.3% YoY
|
57% |
| Nonperforming Asset Ratio ? |
1.54%
+11.1% YoY
-6.5% QoQ
|
+1.04% |
0.50%
+20.3% YoY
|
0.44%
+46.5% YoY
|
0.48%
+20.8% YoY
|
Bottom 10% in tier |
| Tier 1 Capital Ratio ? |
15.07%
+8.9% YoY
+8.9% QoQ
|
+4.82% |
10.24%
-0.6% YoY
|
8.07%
-1.4% YoY
|
9.75%
-1.9% YoY
|
76% |
| Non-Interest Income / Assets ? |
0.35%
-11.4% YoY
+29.6% QoQ
|
-0.39% |
0.74%
-1.3% YoY
|
0.46%
+1.9% YoY
|
0.65%
+0.6% YoY
|
30% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Liquidity Strain
risk
#73 of 513 · Bottom 14% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
102.31%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
Flatlined Growth
risk
#123 of 245 · Bottom 50% in Community
Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Why this signature
Return on Assets:
0.95%
(Tier: 1.16%, National: 1.12%)
245 of 245 Community banks match
·
308 nationally
↓ Shrinking
-35 banks QoQ
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
76
76th pctile
Tier 1 Capital Ratio
Current: 15.07% · Tier avg: 10.24%
57
57th pctile
Non-Interest-Bearing Deposit Share
Current: 21.70% · Tier avg: 21.05%
55
55th pctile
Efficiency Ratio
Current: 60.48% · Tier avg: 62.63%
37
37th pctile
Net Interest Margin
Current: 3.41% · Tier avg: 3.66%
34
34th pctile
Return on Assets
Current: 0.95% · Tier avg: 1.16%
30
30th pctile
Non-Interest Income / Assets
Current: 0.35% · Tier avg: 0.74%
15
15th pctile
Delinquency Rate
Current: 1.55% · Tier avg: 0.63%
10
10th pctile
Nonperforming Asset Ratio
Current: 1.54% · Tier avg: 0.50%
10
10th pctile
Loan-to-Deposit Ratio
Current: 102.31% · Tier avg: 83.06%
9
9th pctile
Total Loans
Current: $356.0M · Tier avg: $975.5M
0
0th pctile
Total Deposits
Current: $347.9M · Tier avg: $1.2B
0
0th pctile
Total Assets
Current: $500.3M · Tier avg: $1.4B
Top Weaknesses
0
0th pctile
Total Assets
Current: $500.3M · Tier avg: $1.4B
0
0th pctile
Total Deposits
Current: $347.9M · Tier avg: $1.2B
9
9th pctile
Total Loans
Current: $356.0M · Tier avg: $975.5M
10
10th pctile
Loan-to-Deposit Ratio
Current: 102.31% · Tier avg: 83.06%
10
10th pctile
Nonperforming Asset Ratio
Current: 1.54% · Tier avg: 0.50%
15
15th pctile
Delinquency Rate
Current: 1.55% · Tier avg: 0.63%
30
30th pctile
Non-Interest Income / Assets
Current: 0.35% · Tier avg: 0.74%
34
34th pctile
Return on Assets
Current: 0.95% · Tier avg: 1.16%
37
37th pctile
Net Interest Margin
Current: 3.41% · Tier avg: 3.66%
55
55th pctile
Efficiency Ratio
Current: 60.48% · Tier avg: 62.63%
57
57th pctile
Non-Interest-Bearing Deposit Share
Current: 21.70% · Tier avg: 21.05%
76
76th pctile
Tier 1 Capital Ratio
Current: 15.07% · Tier avg: 10.24%