BlastPoint's Banking Scorecard
GNB Bank
Community
Specialty: Agricultural
IA
FDIC cert 14079
Grundy Center, IA
1484
banks in Community tier nationally
58 in IA
View Community leaderboard (IA) →
GNB Bank faces 1 concern 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 13% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$630.7M
+0.2% YoY
+0.9% QoQ
|
-$760.7M |
$1.4B
+2.0% YoY
|
$554.4M
+4.9% YoY
|
$5.9B
+6.5% YoY
|
18% |
| Total Loans ? |
$451.4M
+3.5% YoY
+0.2% QoQ
|
-$524.1M |
$975.5M
+2.4% YoY
|
$379.4M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
23% |
| Total Deposits ? |
$494.5M
-0.6% YoY
-4.1% QoQ
|
-$670.1M |
$1.2B
+1.7% YoY
|
$463.0M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
Bottom 12% in tier |
| Return on Assets ? |
1.48%
+29.7% YoY
-2.9% QoQ
|
+0.32% |
1.16%
+17.2% YoY
|
1.18%
+29.0% YoY
|
1.12%
+15.6% YoY
|
73% |
| Net Interest Margin ? |
3.95%
+14.8% YoY
+1.0% QoQ
|
+0.28% |
3.66%
+9.1% YoY
|
3.37%
+11.5% YoY
|
3.75%
+7.1% YoY
|
68% |
| Efficiency Ratio ? |
64.04%
-5.6% YoY
+3.3% QoQ
|
+1.40% |
62.63%
-5.3% YoY
|
59.86%
-8.6% YoY
|
65.09%
-5.1% YoY
|
44% |
| Delinquency Rate ? |
1.21%
-12.2% QoQ
|
+0.58% |
0.63%
+18.3% YoY
|
0.57%
+48.1% YoY
|
0.66%
+20.3% YoY
|
21% |
| Loan-to-Deposit Ratio ? |
91.27%
+4.1% YoY
+4.5% QoQ
|
+8.21% |
83.06%
+0.3% YoY
|
79.50%
+1.5% YoY
|
78.04%
+0.7% YoY
|
68% |
| Non-Interest-Bearing Deposit Share ? |
16.40%
-4.7% YoY
+10.1% QoQ
|
-4.64% |
21.05%
-0.9% YoY
|
18.11%
-1.9% YoY
|
21.79%
-1.3% YoY
|
32% |
| Nonperforming Asset Ratio ? |
0.87%
-12.8% QoQ
|
+0.37% |
0.50%
+20.3% YoY
|
0.44%
+46.5% YoY
|
0.48%
+20.8% YoY
|
23% |
| Tier 1 Capital Ratio ? |
14.52%
+4.9% YoY
+6.5% QoQ
|
+4.28% |
10.24%
-0.6% YoY
|
8.07%
-1.4% YoY
|
9.75%
-1.9% YoY
|
72% |
| Non-Interest Income / Assets ? |
0.93%
-1.0% YoY
+31.3% QoQ
|
+0.19% |
0.74%
-1.3% YoY
|
0.46%
+1.9% YoY
|
0.65%
+0.6% YoY
|
84% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Liquidity Strain
risk
#69 of 513 · Bottom 13% 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:
91.27%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 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
84
84th pctile
Non-Interest Income / Assets
Current: 0.93% · Tier avg: 0.74%
73
73th pctile
Return on Assets
Current: 1.48% · Tier avg: 1.16%
72
72th pctile
Tier 1 Capital Ratio
Current: 14.52% · Tier avg: 10.24%
68
68th pctile
Loan-to-Deposit Ratio
Current: 91.27% · Tier avg: 83.06%
68
68th pctile
Net Interest Margin
Current: 3.95% · Tier avg: 3.66%
44
44th pctile
Efficiency Ratio
Current: 64.04% · Tier avg: 62.63%
32
32th pctile
Non-Interest-Bearing Deposit Share
Current: 16.40% · Tier avg: 21.05%
23
23th pctile
Nonperforming Asset Ratio
Current: 0.87% · Tier avg: 0.50%
23
23th pctile
Total Loans
Current: $451.4M · Tier avg: $975.5M
21
21th pctile
Delinquency Rate
Current: 1.21% · Tier avg: 0.63%
18
18th pctile
Total Assets
Current: $630.7M · Tier avg: $1.4B
12
12th pctile
Total Deposits
Current: $494.5M · Tier avg: $1.2B
Top Weaknesses
12
12th pctile
Total Deposits
Current: $494.5M · Tier avg: $1.2B
18
18th pctile
Total Assets
Current: $630.7M · Tier avg: $1.4B
21
21th pctile
Delinquency Rate
Current: 1.21% · Tier avg: 0.63%
23
23th pctile
Total Loans
Current: $451.4M · Tier avg: $975.5M
23
23th pctile
Nonperforming Asset Ratio
Current: 0.87% · Tier avg: 0.50%
32
32th pctile
Non-Interest-Bearing Deposit Share
Current: 16.40% · Tier avg: 21.05%
44
44th pctile
Efficiency Ratio
Current: 64.04% · Tier avg: 62.63%
68
68th pctile
Net Interest Margin
Current: 3.95% · Tier avg: 3.66%
68
68th pctile
Loan-to-Deposit Ratio
Current: 91.27% · Tier avg: 83.06%
72
72th pctile
Tier 1 Capital Ratio
Current: 14.52% · Tier avg: 10.24%
73
73th pctile
Return on Assets
Current: 1.48% · Tier avg: 1.16%
84
84th pctile
Non-Interest Income / Assets
Current: 0.93% · Tier avg: 0.74%