BlastPoint's Banking Scorecard
GNB Bank
Grundy Center, IA
11 branches across IA
GNB Bank has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 42.9% in tier
- + ROA 0.26% above tier average
Key Concerns
Areas that may need attention
- - Efficiency Ratio 0.33% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$609.2M
-0.0% YoY
-3.4% QoQ
|
+$223.2M |
$386.1M
+0.5% YoY
|
$560.1M
+4.8% YoY
|
$6.2B
+9.1% YoY
|
81% |
| Total Loans ? |
$439.7M
+1.1% YoY
-2.6% QoQ
|
+$184.0M |
$255.7M
+1.1% YoY
|
$379.9M
+5.0% YoY
|
$3.2B
+10.8% YoY
|
84% |
| Total Deposits ? |
$514.5M
+1.4% YoY
+4.0% QoQ
|
+$186.6M |
$328.0M
+0.1% YoY
|
$469.6M
+4.4% YoY
|
$4.8B
+8.2% YoY
|
81% |
| Return on Assets ? |
1.53%
+36.0% YoY
+3.4% QoQ
|
+0.26% |
1.27%
+12.9% YoY
|
1.31%
+22.6% YoY
|
1.23%
+13.4% YoY
|
69% |
| Net Interest Margin ? |
3.98%
+7.6% YoY
+0.8% QoQ
|
+0.05% |
3.93%
+6.0% YoY
|
3.52%
+10.3% YoY
|
3.89%
+5.7% YoY
|
56% |
| Efficiency Ratio ? |
65.62%
+3.5% YoY
+2.5% QoQ
|
+0.33% |
65.29%
-4.5% YoY
|
58.40%
-7.6% YoY
|
66.95%
-4.1% YoY
|
43% |
| Delinquency Rate ? |
0.88%
-39.5% YoY
-27.6% QoQ
|
-0.01% |
0.89%
+18.8% YoY
|
0.92%
+14.5% YoY
|
0.95%
+18.8% YoY
|
31% |
| Loan-to-Deposit Ratio ? |
85.46%
-0.4% YoY
-6.4% QoQ
|
+8.83% |
76.64%
+0.8% YoY
|
77.40%
+1.1% YoY
|
76.70%
+0.9% YoY
|
34% |
| Non-Interest-Bearing Deposit Share ? |
15.87%
-0.7% YoY
-3.2% QoQ
|
-6.15% |
22.02%
-1.0% YoY
|
17.87%
+0.7% YoY
|
22.01%
-1.2% YoY
|
27% |
| Nonperforming Asset Ratio ? |
0.63%
-38.9% YoY
-27.0% QoQ
|
-0.01% |
0.64%
+19.7% YoY
|
0.58%
+11.7% YoY
|
0.67%
+19.3% YoY
|
32% |
| Tier 1 Capital Ratio ? |
15.22%
+15.6% YoY
+4.8% QoQ
|
-0.61% |
15.83%
+1.5% YoY
|
14.34%
+1.8% YoY
|
17.06%
+0.8% YoY
|
68% |
| Non-Interest Income / Assets ? |
0.24%
-1.3% YoY
-74.7% QoQ
|
-0.04% |
0.28%
+9.3% YoY
|
0.12%
+10.7% YoY
|
0.32%
+4.1% YoY
|
Top 10.0% in tier |
Get Full Access to GNB Bank
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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 (1)
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.