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Grinnell State Bank

$100M-$1B Specialty: Commercial IA FDIC cert 11347

Grinnell, IA

4 branches across IA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 167 in IA.
  • Deposits +3.9% year over year ($346.6M on the books).
  • Delinquency rate 0.48%.
  • Return on assets 0.98%.
  • Efficiency ratio 60.78% vs a 64.48% peer average.
  • Loan-to-deposit ratio 106.78% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 167 in IA
View $100M-$1B leaderboard (IA) →

Grinnell State Bank has 2 strengths but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Efficiency Ratio 3.70% below tier average
  • + Delinquency Rate 0.44% below tier average

Key Concerns

Areas that may need attention

  • - Flatlined Growth: Bottom 29.9% in tier
  • - Liquidity Strain: Bottom 45.4% in tier
  • - ROA 0.34% below tier average
  • - Net Interest Margin 0.36% below tier average
Get updates when Grinnell State Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Total Assets ? $498.6M
-0.3% YoY +0.4% QoQ
+$112.0M $386.6M
+1.2% YoY
$566.2M
+5.8% YoY
$6.3B
+7.7% YoY
72%
Total Loans ? $370.0M
-0.9% YoY +2.5% QoQ
+$111.7M $258.3M
+1.7% YoY
$385.0M
+5.4% YoY
$3.2B
+9.4% YoY
76%
Total Deposits ? $346.6M
+3.9% YoY -1.5% QoQ
+$19.8M $326.7M
+0.7% YoY
$472.4M
+6.3% YoY
$4.9B
+7.3% YoY
62%
Return on Assets ? 0.98%
+48.2% YoY +29.9% QoQ
-0.34% 1.32%
+10.8% YoY
1.58%
+39.1% YoY
1.30%
+12.1% YoY
33%
Net Interest Margin ? 3.63%
+11.1% YoY +5.5% QoQ
-0.36% 3.99%
+5.0% YoY
3.58%
+9.0% YoY
3.95%
+4.9% YoY
34%
Efficiency Ratio ? 60.78%
+2.5% YoY -4.0% QoQ
-3.70% 64.48%
-3.2% YoY
57.74%
-6.0% YoY
70.05%
+2.5% YoY
55%
Delinquency Rate ? 0.48%
-64.2% YoY -32.9% QoQ
-0.44% 0.92%
+15.7% YoY
0.99%
+12.8% YoY
0.98%
+16.3% YoY
47%
Loan-to-Deposit Ratio ? 106.78%
-4.6% YoY +4.0% QoQ
+28.83% 77.95%
+1.0% YoY
80.39%
+2.7% YoY
79.03%
+2.3% YoY
Bottom 5.0% in tier
Non-Interest-Bearing Deposit Share ? 25.15%
+1.6% YoY +11.9% QoQ
+3.12% 22.03%
-0.6% YoY
17.72%
+0.8% YoY
21.98%
-0.6% YoY
66%
Nonperforming Asset Ratio ? 1.45%
-12.0% YoY -10.4% QoQ
+0.78% 0.67%
+16.4% YoY
0.63%
+7.9% YoY
0.69%
+15.8% YoY
Bottom 12.6% in tier
Tier 1 Capital Ratio ? 15.18%
+9.0% YoY +0.8% QoQ
-0.73% 15.91%
+1.4% YoY
14.69%
+3.0% YoY
17.09%
+0.8% YoY
67%
Non-Interest Income / Assets ? 0.16%
-6.2% YoY +86.2% QoQ
-0.41% 0.57%
+7.6% YoY
0.24%
+5.5% YoY
0.66%
+5.2% YoY
38%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Noninterest-Bearing 25.1%
+0.4pp YoY
+2.7pp QoQ
 +3.0pp 22.1% 17.8% 22.2% 66%
Brokered Deposits n/a n/a 7.9% 6.0% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
C&I 5.6%
-1.5pp YoY
-0.5pp QoQ
 -5.9pp 11.6% 12.8% 12.5% 24%
CRE 72.5%
-0.3pp YoY
-1.1pp QoQ
 +33.0pp 39.5% 28.3% 41.4% 94%
1-4 Family 7.1%
+1.2pp YoY
+0.8pp QoQ
 -25.5pp 32.6% 23.0% 31.3% 7%
Consumer 0.3%
0.0pp YoY
0.0pp QoQ
 -3.9pp 4.1% 2.9% 5.0% 10%

Capital

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
CET1 Ratio 15.2%
+1.3pp YoY
+0.1pp QoQ
 -3.6pp 18.8% 15.4% 19.7% 51%
Leverage Ratio 11.9%
+0.9pp YoY
+0.1pp QoQ
 -0.3pp 12.2% 12.4% 12.6% 64%
Total Capital Ratio 16.2%
+1.1pp YoY
+0.1pp QoQ
 -3.7pp 19.9% 16.5% 20.8% 50%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Full-Time Employees 48
-2 (-4.0%) YoY
+1 (+2.1%) QoQ
 -11 58 64 482 50%
Assets per Employee ($) $10.4M
+3.9% YoY
-1.7% QoQ
 +$2.9M $7.5M $8.9M $8.8M 88%
Branch Count 4
0 YoY
0 QoQ
 -1 4 5 18 42%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.4% 0.4% n/a
Nonaccrual 0.5%
-0.8pp YoY
-0.2pp QoQ
 -0.5pp 0.9% 1.0% 1.0% 52%
Allowance Coverage 2.23x
+125.5% YoY
+36.4% QoQ
 -21.93x 24.15x 18.97x 20.23x 50%
Net Charge-off Rate (YTD) 0.5%
-0.5pp QoQ
 +0.3pp 0.1% 0.1% 0.2% 94%

Profitability

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
ROE 10.1%
+2.2pp YoY
+2.2pp QoQ
 -2.1pp 12.2% 12.8% 11.6% 37%
Cost of Funds (YTD) 2.3%
-0.2pp YoY
0.0pp QoQ
 +0.6pp 1.7% 1.8% 1.7% 83%
Net Income ($, YTD) $2.5M
+48.0% YoY
— QoQ
 -$103K $2.6M $4.0M $40.4M 61%

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Flatlined Growth

risk
#159 of 529 • Bottom 29.9% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 0.98%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
529 of 529 Community banks match · 719 nationally
→ Stable +34 banks QoQ | QoQ rank declining

Liquidity Strain

risk
#315 of 691 • Bottom 45.4% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 106.78%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (1 metrics)

635
Total Loans
size
Value: $370.05M
Peer Median: $258.35M
#635 of 2643 Top 24.0% in $100M-$1B

Top Weaknesses (2 metrics)

2511
Loan-to-Deposit Ratio
liquidity
Value: 106.78%
Peer Median: 77.95%
#2511 of 2643 Bottom 5.0% in $100M-$1B
2311
Nonperforming Asset Ratio
credit_quality
Value: 1.45%
Peer Median: 0.67%
#2311 of 2643 Bottom 12.6% in $100M-$1B
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