BlastPoint's Banking Scorecard
Green Belt Bank & Trust
Community
Specialty: Agricultural
IA
FDIC cert 26760
Iowa Falls, IA
1484
banks in Community tier nationally
58 in IA
View Community leaderboard (IA) →
Green Belt Bank & Trust faces 4 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 9% in Community
- - Credit Quality Pressure: Bottom 10% in Community
- - Liquidity Strain: Bottom 24% in Community
- - Non-Interest-Bearing Deposit Share 12.01% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$740.2M
+4.3% YoY
+0.7% QoQ
|
-$651.3M |
$1.4B
+2.0% YoY
|
$554.4M
+4.9% YoY
|
$5.9B
+6.5% YoY
|
31% |
| Total Loans ? |
$623.2M
+4.1% YoY
+5.7% QoQ
|
-$352.3M |
$975.5M
+2.4% YoY
|
$379.4M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
43% |
| Total Deposits ? |
$659.0M
+5.3% YoY
+0.6% QoQ
|
-$505.6M |
$1.2B
+1.7% YoY
|
$463.0M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
34% |
| Return on Assets ? |
1.41%
+29.5% YoY
-10.1% QoQ
|
+0.25% |
1.16%
+17.2% YoY
|
1.18%
+29.0% YoY
|
1.12%
+15.6% YoY
|
69% |
| Net Interest Margin ? |
3.23%
+10.8% YoY
+0.7% QoQ
|
-0.43% |
3.66%
+9.1% YoY
|
3.37%
+11.5% YoY
|
3.75%
+7.1% YoY
|
27% |
| Efficiency Ratio ? |
59.09%
-8.3% YoY
+10.0% QoQ
|
-3.54% |
62.63%
-5.3% YoY
|
59.86%
-8.6% YoY
|
65.09%
-5.1% YoY
|
60% |
| Delinquency Rate ? |
0.18%
+13.1% YoY
+340.6% QoQ
|
-0.44% |
0.63%
+18.3% YoY
|
0.57%
+48.1% YoY
|
0.66%
+20.3% YoY
|
72% |
| Loan-to-Deposit Ratio ? |
94.57%
-1.2% YoY
+5.1% QoQ
|
+11.51% |
83.06%
+0.3% YoY
|
79.50%
+1.5% YoY
|
78.04%
+0.7% YoY
|
24% |
| Non-Interest-Bearing Deposit Share ? |
9.03%
-8.2% YoY
+7.7% QoQ
|
-12.01% |
21.05%
-0.9% YoY
|
18.11%
-1.9% YoY
|
21.79%
-1.3% YoY
|
Bottom 8% in tier |
| Nonperforming Asset Ratio ? |
0.15%
+12.8% YoY
+362.7% QoQ
|
-0.34% |
0.50%
+20.3% YoY
|
0.44%
+46.5% YoY
|
0.48%
+20.8% YoY
|
70% |
| Tier 1 Capital Ratio ? |
9.77%
+3.4% YoY
-4.5% QoQ
|
-0.47% |
10.24%
-0.6% YoY
|
8.07%
-1.4% YoY
|
9.75%
-1.9% YoY
|
30% |
| Non-Interest Income / Assets ? |
0.60%
+17.7% YoY
+32.8% QoQ
|
-0.14% |
0.74%
-1.3% YoY
|
0.46%
+1.9% YoY
|
0.65%
+0.6% YoY
|
60% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (4)
Credit Risk Growth
risk
#60 of 642 · Bottom 9% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
Credit Quality Pressure
risk
#85 of 808 · Bottom 10% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.18%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
Liquidity Strain
risk
#126 of 513 · Bottom 24% 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:
94.57%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
Non-Interest-Bearing Deposit Share
metric
Bottom 8%
in Community
Why this stands out
Current:
9.03%
(Tier avg: 21.05%, National avg: 21.79%)
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
72
72th pctile
Delinquency Rate
Current: 0.18% · Tier avg: 0.63%
70
70th pctile
Nonperforming Asset Ratio
Current: 0.15% · Tier avg: 0.50%
69
69th pctile
Return on Assets
Current: 1.41% · Tier avg: 1.16%
60
60th pctile
Efficiency Ratio
Current: 59.09% · Tier avg: 62.63%
60
60th pctile
Non-Interest Income / Assets
Current: 0.60% · Tier avg: 0.74%
43
43th pctile
Total Loans
Current: $623.2M · Tier avg: $975.5M
34
34th pctile
Total Deposits
Current: $659.0M · Tier avg: $1.2B
31
31th pctile
Total Assets
Current: $740.2M · Tier avg: $1.4B
30
30th pctile
Tier 1 Capital Ratio
Current: 9.77% · Tier avg: 10.24%
27
27th pctile
Net Interest Margin
Current: 3.23% · Tier avg: 3.66%
24
24th pctile
Loan-to-Deposit Ratio
Current: 94.57% · Tier avg: 83.06%
8
8th pctile
Non-Interest-Bearing Deposit Share
Current: 9.03% · Tier avg: 21.05%
Top Weaknesses
8
8th pctile
Non-Interest-Bearing Deposit Share
Current: 9.03% · Tier avg: 21.05%
24
24th pctile
Loan-to-Deposit Ratio
Current: 94.57% · Tier avg: 83.06%
27
27th pctile
Net Interest Margin
Current: 3.23% · Tier avg: 3.66%
30
30th pctile
Tier 1 Capital Ratio
Current: 9.77% · Tier avg: 10.24%
31
31th pctile
Total Assets
Current: $740.2M · Tier avg: $1.4B
34
34th pctile
Total Deposits
Current: $659.0M · Tier avg: $1.2B
43
43th pctile
Total Loans
Current: $623.2M · Tier avg: $975.5M
60
60th pctile
Non-Interest Income / Assets
Current: 0.60% · Tier avg: 0.74%
60
60th pctile
Efficiency Ratio
Current: 59.09% · Tier avg: 62.63%
69
69th pctile
Return on Assets
Current: 1.41% · Tier avg: 1.16%
70
70th pctile
Nonperforming Asset Ratio
Current: 0.15% · Tier avg: 0.50%
72
72th pctile
Delinquency Rate
Current: 0.18% · Tier avg: 0.63%