BlastPoint's Banking Scorecard

GNB Bank

$100M-$1B Specialty: Agricultural IA FDIC cert 14079

Grundy Center, IA

10 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 -0.1% year over year ($498.0M on the books).
Delinquency rate 0.63%.
Return on assets 1.68%.
Efficiency ratio 63.16% vs a 64.48% peer average.
Loan-to-deposit ratio 88.46% 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) →

GNB Bank demonstrates 5 strengths

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

+ Revenue Diversifier: Top 41.3% in tier
+ ROA 0.36% above tier average
+ Net Interest Margin 0.11% above tier average
+ Efficiency Ratio 1.32% below tier average
+ Delinquency Rate 0.29% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when GNB 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 ?	$621.3M -0.9% YoY +2.0% QoQ	+$234.8M	$386.6M +1.2% YoY	$566.2M +5.8% YoY	$6.3B +7.7% YoY	82%
Total Loans ?	$440.5M -1.5% YoY +0.2% QoQ	+$182.1M	$258.3M +1.7% YoY	$385.0M +5.4% YoY	$3.2B +9.4% YoY	83%
Total Deposits ?	$498.0M -0.1% YoY -3.2% QoQ	+$171.2M	$326.7M +0.7% YoY	$472.4M +6.3% YoY	$4.9B +7.3% YoY	80%
Return on Assets ?	1.68% +26.4% YoY +9.7% QoQ	+0.36%	1.32% +10.8% YoY	1.58% +39.1% YoY	1.30% +12.1% YoY	75%
Net Interest Margin ?	4.10% +6.5% YoY +3.0% QoQ	+0.11%	3.99% +5.0% YoY	3.58% +9.0% YoY	3.95% +4.9% YoY	59%
Efficiency Ratio ?	63.16% -1.7% YoY -3.7% QoQ	-1.32%	64.48% -3.2% YoY	57.74% -6.0% YoY	70.05% +2.5% YoY	47%
Delinquency Rate ?	0.63% -55.1% YoY -28.2% QoQ	-0.29%	0.92% +15.7% YoY	0.99% +12.8% YoY	0.98% +16.3% YoY	41%
Loan-to-Deposit Ratio ?	88.46% -1.4% YoY +3.5% QoQ	+10.51%	77.95% +1.0% YoY	80.39% +2.7% YoY	79.03% +2.3% YoY	30%
Non-Interest-Bearing Deposit Share ?	17.50% +6.0% YoY +10.3% QoQ	-4.53%	22.03% -0.6% YoY	17.72% +0.8% YoY	21.98% -0.6% YoY	34%
Nonperforming Asset Ratio ?	0.45% -55.3% YoY -29.5% QoQ	-0.22%	0.67% +16.4% YoY	0.63% +7.9% YoY	0.69% +15.8% YoY	42%
Tier 1 Capital Ratio ?	15.45% +10.8% YoY +1.5% QoQ	-0.46%	15.91% +1.4% YoY	14.69% +3.0% YoY	17.09% +0.8% YoY	69%
Non-Interest Income / Assets ?	0.47% +5.9% YoY +99.9% QoQ	-0.10%	0.57% +7.6% YoY	0.24% +5.5% YoY	0.66% +5.2% YoY	Top 10.4% in tier

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	17.5% +1.0pp YoY +1.6pp QoQ	-4.6pp	22.1%	17.8%	22.2%	34%
Brokered Deposits	7.5% -1.5pp YoY 0.0pp QoQ	-0.4pp	7.9%	6.0%	8.5%	66%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
C&I	19.9% -1.2pp YoY +2.1pp QoQ	+8.3pp	11.6%	12.8%	12.5%	88%
CRE	19.1% +0.4pp YoY +0.2pp QoQ	-20.5pp	39.5%	28.3%	41.4%	16%
1-4 Family	14.1% +1.3pp YoY +0.3pp QoQ	-18.5pp	32.6%	23.0%	31.3%	18%
Consumer	1.1% 0.0pp YoY 0.0pp QoQ	-3.0pp	4.1%	2.9%	5.0%	30%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
CET1 Ratio	15.4% +1.5pp YoY +0.2pp QoQ	-3.4pp	18.8%	15.4%	19.7%	54%
Leverage Ratio	12.2% +1.1pp YoY +0.4pp QoQ	+0.1pp	12.2%	12.4%	12.6%	67%
Total Capital Ratio	16.7% +1.5pp YoY +0.2pp QoQ	-3.2pp	19.9%	16.5%	20.8%	55%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Full-Time Employees	96 -5 (-5.0%) YoY -4 (-4.0%) QoQ	+37	58	64	482	85%
Assets per Employee ($)	$6.5M +4.3% YoY +6.2% QoQ	-$1.0M	$7.5M	$8.9M	$8.8M	42%
Branch Count	10 -1 (-9.1%) YoY 0 QoQ	+5	4	5	18	90%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% 0.0pp YoY 0.0pp QoQ	-0.3pp	0.3%	0.4%	0.4%	27%
Nonaccrual	0.6% -0.8pp YoY -0.2pp QoQ	-0.3pp	0.9%	1.0%	1.0%	58%
Allowance Coverage	2.33x +127.9% YoY +39.1% QoQ	-21.82x	24.15x	18.97x	20.23x	52%
Net Charge-off Rate (YTD)	-0.0% +0.1pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	28%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
ROE	13.4% +1.4pp YoY +1.1pp QoQ	+1.2pp	12.2%	12.8%	11.6%	58%
Cost of Funds (YTD)	1.8% -0.2pp YoY 0.0pp QoQ	0.0pp	1.7%	1.8%	1.7%	54%
Net Income ($, YTD)	$5.2M +26.1% YoY — QoQ	+$2.7M	$2.6M	$4.0M	$40.4M	88%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 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 (1)

Revenue Diversifier

growth

#274 of 661 • Top 41.3% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.47%

(Tier: 0.57%, National: 0.66%)

but worse than tier avg

Return on Assets: 1.68%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank improving

Concerns (0)

No matched concern signatures this quarter

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).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (4 metrics)

277

Non-Interest Income / Assets

revenue_mix

Value: 0.47%

Peer Median: 0.57%

#277 of 2643 Top 10.4% in $100M-$1B

452

Total Loans

size

Value: $440.49M

Peer Median: $258.35M

#452 of 2643 Top 17.1% in $100M-$1B

478

Total Assets

size

Value: $621.33M

Peer Median: $386.57M

#478 of 2643 Top 18.0% in $100M-$1B

542

Total Deposits

size

Value: $497.95M

Peer Median: $326.73M

#542 of 2643 Top 20.5% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available