BlastPoint's Banking Scorecard
Grinnell State Bank
Grinnell, IA
4 branches across IA
Grinnell State Bank has 2 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 1.98% below tier average
- + Delinquency Rate 0.17% below tier average
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 5.9% in tier
- - Flatlined Growth: Bottom 9.2% in tier
- - Liquidity Strain: Bottom 16.3% in tier
- - Net Interest Margin 0.49% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$496.8M
-1.7% YoY
-0.7% QoQ
|
+$110.7M |
$386.1M
+0.5% YoY
|
$560.1M
+4.8% YoY
|
$6.2B
+9.1% YoY
|
72% |
| Total Loans ? |
$361.2M
-5.3% YoY
+1.4% QoQ
|
+$105.4M |
$255.7M
+1.1% YoY
|
$379.9M
+5.0% YoY
|
$3.2B
+10.8% YoY
|
76% |
| Total Deposits ? |
$351.8M
+2.6% YoY
+1.1% QoQ
|
+$23.8M |
$328.0M
+0.1% YoY
|
$469.6M
+4.4% YoY
|
$4.8B
+8.2% YoY
|
63% |
| Return on Assets ? |
0.76%
-23.7% YoY
-19.9% QoQ
|
-0.51% |
1.27%
+12.9% YoY
|
1.31%
+22.6% YoY
|
1.23%
+13.4% YoY
|
24% |
| Net Interest Margin ? |
3.44%
+6.6% YoY
+0.9% QoQ
|
-0.49% |
3.93%
+6.0% YoY
|
3.52%
+10.3% YoY
|
3.89%
+5.7% YoY
|
28% |
| Efficiency Ratio ? |
63.30%
+2.9% YoY
+4.7% QoQ
|
-1.98% |
65.29%
-4.5% YoY
|
58.40%
-7.6% YoY
|
66.95%
-4.1% YoY
|
50% |
| Delinquency Rate ? |
0.71%
-59.8% YoY
-53.9% QoQ
|
-0.17% |
0.89%
+18.8% YoY
|
0.92%
+14.5% YoY
|
0.95%
+18.8% YoY
|
36% |
| Loan-to-Deposit Ratio ? |
102.67%
-7.7% YoY
+0.3% QoQ
|
+26.03% |
76.64%
+0.8% YoY
|
77.40%
+1.1% YoY
|
76.70%
+0.9% YoY
|
Bottom 6.3% in tier |
| Non-Interest-Bearing Deposit Share ? |
22.48%
-6.8% YoY
+3.6% QoQ
|
+0.46% |
22.02%
-1.0% YoY
|
17.87%
+0.7% YoY
|
22.01%
-1.2% YoY
|
57% |
| Nonperforming Asset Ratio ? |
1.61%
+20.4% YoY
+4.7% QoQ
|
+0.98% |
0.64%
+19.7% YoY
|
0.58%
+11.7% YoY
|
0.67%
+19.3% YoY
|
Bottom 10.1% in tier |
| Tier 1 Capital Ratio ? |
15.07%
+7.3% YoY
+0.0% QoQ
|
-0.76% |
15.83%
+1.5% YoY
|
14.34%
+1.8% YoY
|
17.06%
+0.8% YoY
|
66% |
| Non-Interest Income / Assets ? |
0.09%
+7.2% YoY
-75.7% QoQ
|
-0.19% |
0.28%
+9.3% YoY
|
0.12%
+10.7% YoY
|
0.32%
+4.1% YoY
|
43% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (3)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.