BlastPoint's Banking Scorecard
Glenwood State Bank (Incorporated)
Community
Specialty: Commercial
MN
FDIC cert 8853
Glenwood, MN
1484
banks in Community tier nationally
45 in MN
View Community leaderboard (MN) →
Glenwood State Bank (Incorporated) has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 21% in Community
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 6% in Community
- - Liquidity Strain: Bottom 38% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$565.8M
+1.2% YoY
+3.7% QoQ
|
-$825.7M |
$1.4B
+2.0% YoY
|
$508.2M
+6.2% YoY
|
$5.9B
+6.5% YoY
|
Bottom 10% in tier |
| Total Loans ? |
$502.6M
+1.2% YoY
+0.3% QoQ
|
-$472.8M |
$975.5M
+2.4% YoY
|
$283.0M
+6.2% YoY
|
$3.1B
+8.5% YoY
|
31% |
| Total Deposits ? |
$489.8M
+1.6% YoY
+5.3% QoQ
|
-$674.8M |
$1.2B
+1.7% YoY
|
$438.4M
+5.3% YoY
|
$4.7B
+6.3% YoY
|
Bottom 11% in tier |
| Return on Assets ? |
1.56%
+67.3% YoY
+4.6% QoQ
|
+0.39% |
1.16%
+17.2% YoY
|
1.11%
+14.5% YoY
|
1.12%
+15.6% YoY
|
76% |
| Net Interest Margin ? |
3.73%
+14.5% YoY
+2.4% QoQ
|
+0.06% |
3.66%
+9.1% YoY
|
3.81%
+8.2% YoY
|
3.75%
+7.1% YoY
|
55% |
| Efficiency Ratio ? |
59.52%
-11.9% YoY
-1.0% QoQ
|
-3.11% |
62.63%
-5.3% YoY
|
65.34%
-5.0% YoY
|
65.09%
-5.1% YoY
|
59% |
| Delinquency Rate ? |
1.38%
+16.3% YoY
-17.4% QoQ
|
+0.75% |
0.63%
+18.3% YoY
|
0.65%
+17.8% YoY
|
0.66%
+20.3% YoY
|
18% |
| Loan-to-Deposit Ratio ? |
102.63%
-0.4% YoY
-4.8% QoQ
|
+19.56% |
83.06%
+0.3% YoY
|
76.97%
-0.8% YoY
|
78.04%
+0.7% YoY
|
Bottom 9% in tier |
| Non-Interest-Bearing Deposit Share ? |
17.76%
+3.2% YoY
+8.9% QoQ
|
-3.29% |
21.05%
-0.9% YoY
|
21.89%
-2.6% YoY
|
21.79%
-1.3% YoY
|
38% |
| Nonperforming Asset Ratio ? |
1.22%
+16.2% YoY
-20.1% QoQ
|
+0.73% |
0.50%
+20.3% YoY
|
0.46%
+7.5% YoY
|
0.48%
+20.8% YoY
|
Bottom 15% in tier |
| Tier 1 Capital Ratio ? |
10.93%
+7.4% YoY
+0.1% QoQ
|
+0.69% |
10.24%
-0.6% YoY
|
11.33%
-0.2% YoY
|
9.75%
-1.9% YoY
|
36% |
| Non-Interest Income / Assets ? |
0.33%
+2.7% YoY
+33.6% QoQ
|
-0.41% |
0.74%
-1.3% YoY
|
0.50%
+4.9% YoY
|
0.65%
+0.6% YoY
|
26% |
Signature Analysis
Strengths (1)
Profitability Leader
growth
#78 of 371 · Top 21% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
1.56%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
Concerns (2)
Credit Risk Growth
risk
#41 of 642 · Bottom 6% 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
Liquidity Strain
risk
#193 of 513 · Bottom 38% 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:
102.63%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank improving
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
Return on Assets
Current: 1.56% · Tier avg: 1.16%
59
59th pctile
Efficiency Ratio
Current: 59.52% · Tier avg: 62.63%
55
55th pctile
Net Interest Margin
Current: 3.73% · Tier avg: 3.66%
38
38th pctile
Non-Interest-Bearing Deposit Share
Current: 17.76% · Tier avg: 21.05%
36
36th pctile
Tier 1 Capital Ratio
Current: 10.93% · Tier avg: 10.24%
31
31th pctile
Total Loans
Current: $502.6M · Tier avg: $975.5M
26
26th pctile
Non-Interest Income / Assets
Current: 0.33% · Tier avg: 0.74%
18
18th pctile
Delinquency Rate
Current: 1.38% · Tier avg: 0.63%
15
15th pctile
Nonperforming Asset Ratio
Current: 1.22% · Tier avg: 0.50%
11
11th pctile
Total Deposits
Current: $489.8M · Tier avg: $1.2B
10
10th pctile
Total Assets
Current: $565.8M · Tier avg: $1.4B
9
9th pctile
Loan-to-Deposit Ratio
Current: 102.63% · Tier avg: 83.06%
Top Weaknesses
9
9th pctile
Loan-to-Deposit Ratio
Current: 102.63% · Tier avg: 83.06%
10
10th pctile
Total Assets
Current: $565.8M · Tier avg: $1.4B
11
11th pctile
Total Deposits
Current: $489.8M · Tier avg: $1.2B
15
15th pctile
Nonperforming Asset Ratio
Current: 1.22% · Tier avg: 0.50%
18
18th pctile
Delinquency Rate
Current: 1.38% · Tier avg: 0.63%
26
26th pctile
Non-Interest Income / Assets
Current: 0.33% · Tier avg: 0.74%
31
31th pctile
Total Loans
Current: $502.6M · Tier avg: $975.5M
36
36th pctile
Tier 1 Capital Ratio
Current: 10.93% · Tier avg: 10.24%
38
38th pctile
Non-Interest-Bearing Deposit Share
Current: 17.76% · Tier avg: 21.05%
55
55th pctile
Net Interest Margin
Current: 3.73% · Tier avg: 3.66%
59
59th pctile
Efficiency Ratio
Current: 59.52% · Tier avg: 62.63%
76
76th pctile
Return on Assets
Current: 1.56% · Tier avg: 1.16%