BlastPoint's Banking Scorecard
Glenwood State Bank
Micro
Specialty: Other
IA
FDIC cert 956
Designations: ✓ Community bank
Glenwood, IA
2498
banks in Micro tier nationally
167 in IA
View Micro leaderboard (IA) →
Glenwood State Bank demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 18.91% below tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$331.1M
+4.7% YoY
+0.6% QoQ
|
+$113.6M |
$217.5M
+2.3% YoY
|
$554.4M
+4.9% YoY
|
$5.9B
+6.5% YoY
|
78% |
| Total Loans ? |
$154.3M
+0.2% YoY
+0.6% QoQ
|
+$15.1M |
$139.2M
+2.8% YoY
|
$379.4M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
62% |
| Total Deposits ? |
$289.4M
+3.0% YoY
+0.1% QoQ
|
+$105.8M |
$183.7M
+1.8% YoY
|
$463.0M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
79% |
| Return on Assets ? |
1.22%
+35.7% YoY
+9.3% QoQ
|
+0.14% |
1.08%
+14.7% YoY
|
1.18%
+29.0% YoY
|
1.12%
+15.6% YoY
|
60% |
| Net Interest Margin ? |
3.83%
+22.1% YoY
+2.8% QoQ
|
-0.02% |
3.85%
+6.6% YoY
|
3.37%
+11.5% YoY
|
3.75%
+7.1% YoY
|
51% |
| Efficiency Ratio ? |
48.82%
-18.8% YoY
+6.4% QoQ
|
-18.91% |
67.73%
-4.8% YoY
|
59.86%
-8.6% YoY
|
65.09%
-5.1% YoY
|
Top 9% in tier |
| Delinquency Rate ? |
0.91%
-56.8% YoY
+27.5% QoQ
|
+0.27% |
0.64%
+24.4% YoY
|
0.57%
+48.1% YoY
|
0.66%
+20.3% YoY
|
31% |
| Loan-to-Deposit Ratio ? |
53.32%
-2.6% YoY
+0.5% QoQ
|
-21.21% |
74.53%
+0.5% YoY
|
79.50%
+1.5% YoY
|
78.04%
+0.7% YoY
|
84% |
| Non-Interest-Bearing Deposit Share ? |
21.01%
-0.2% YoY
+10.6% QoQ
|
-1.39% |
22.39%
-1.3% YoY
|
18.11%
-1.9% YoY
|
21.79%
-1.3% YoY
|
47% |
| Nonperforming Asset Ratio ? |
0.42%
-58.6% YoY
+27.5% QoQ
|
-0.03% |
0.45%
+25.1% YoY
|
0.44%
+46.5% YoY
|
0.48%
+20.8% YoY
|
42% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
8.07%
-1.4% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.20%
-15.8% YoY
+36.5% QoQ
|
-0.37% |
0.56%
+0.3% YoY
|
0.46%
+1.9% YoY
|
0.65%
+0.6% YoY
|
23% |
Signature Analysis
Strengths (1)
Efficiency Ratio
metric
Top 9%
in Micro
Why this stands out
Current:
48.82%
(Tier avg: 67.73%, National avg: 65.09%)
Concerns (0)
No concerns identified
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
91
91th pctile
Efficiency Ratio
Current: 48.82% · Tier avg: 67.73%
84
84th pctile
Loan-to-Deposit Ratio
Current: 53.32% · Tier avg: 74.53%
79
79th pctile
Total Deposits
Current: $289.4M · Tier avg: $183.7M
78
78th pctile
Total Assets
Current: $331.1M · Tier avg: $217.5M
62
62th pctile
Total Loans
Current: $154.3M · Tier avg: $139.2M
60
60th pctile
Return on Assets
Current: 1.22% · Tier avg: 1.08%
51
51th pctile
Net Interest Margin
Current: 3.83% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
47
47th pctile
Non-Interest-Bearing Deposit Share
Current: 21.01% · Tier avg: 22.39%
42
42th pctile
Nonperforming Asset Ratio
Current: 0.42% · Tier avg: 0.45%
31
31th pctile
Delinquency Rate
Current: 0.91% · Tier avg: 0.64%
23
23th pctile
Non-Interest Income / Assets
Current: 0.20% · Tier avg: 0.56%
Top Weaknesses
23
23th pctile
Non-Interest Income / Assets
Current: 0.20% · Tier avg: 0.56%
31
31th pctile
Delinquency Rate
Current: 0.91% · Tier avg: 0.64%
42
42th pctile
Nonperforming Asset Ratio
Current: 0.42% · Tier avg: 0.45%
47
47th pctile
Non-Interest-Bearing Deposit Share
Current: 21.01% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
51
51th pctile
Net Interest Margin
Current: 3.83% · Tier avg: 3.85%
60
60th pctile
Return on Assets
Current: 1.22% · Tier avg: 1.08%
62
62th pctile
Total Loans
Current: $154.3M · Tier avg: $139.2M
78
78th pctile
Total Assets
Current: $331.1M · Tier avg: $217.5M
79
79th pctile
Total Deposits
Current: $289.4M · Tier avg: $183.7M
84
84th pctile
Loan-to-Deposit Ratio
Current: 53.32% · Tier avg: 74.53%
91
91th pctile
Efficiency Ratio
Current: 48.82% · Tier avg: 67.73%