BlastPoint's Banking Scorecard

GreatAmerica Bank National Association

$100M-$1B Specialty: Other IA FDIC cert 18463

Cedar Rapids, 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 +64.6% year over year ($56.1M on the books).
Delinquency rate 0.00%.
Return on assets -2.74%.
Efficiency ratio 133.88% vs a 64.48% peer average.
Loan-to-deposit ratio 457.08% 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) →

GreatAmerica Bank National Association has 3 strengths but faces 5 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

+ Revenue Diversifier: Top 33.0% in tier
+ Credit Quality Leader: Top 33.8% in tier
+ Nonperforming Asset Ratio 0.67% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 0.1% in tier
- Efficiency Drag: Bottom 7.2% in tier
- NIB Deposit Bleed: Bottom 22.2% in tier
- Return on Assets 4.07% below tier average
- Net Interest Margin 2.48% below tier average

Get updates when GreatAmerica Bank National Association releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Total Assets ?	$450.0M	+$63.4M	$386.6M +1.2% YoY	$566.2M +5.8% YoY	$6.3B +7.7% YoY	67%
Total Loans ?	$256.6M	-$1.8M	$258.3M +1.7% YoY	$385.0M +5.4% YoY	$3.2B +9.4% YoY	60%
Total Deposits ?	$56.1M +64.6% YoY +72.0% QoQ	-$270.6M	$326.7M +0.7% YoY	$472.4M +6.3% YoY	$4.9B +7.3% YoY	Bottom 0.4% in tier
Return on Assets ?	-2.74% -447.9% YoY -331.6% QoQ	-4.07%	1.32% +10.8% YoY	1.58% +39.1% YoY	1.30% +12.1% YoY	Bottom 0.4% in tier
Net Interest Margin ?	1.51% -41.3% YoY -45.0% QoQ	-2.48%	3.99% +5.0% YoY	3.58% +9.0% YoY	3.95% +4.9% YoY	Bottom 0.3% in tier
Efficiency Ratio ?	133.88% +12.9% YoY +10.5% QoQ	+69.40%	64.48% -3.2% YoY	57.74% -6.0% YoY	70.05% +2.5% YoY	Bottom 0.7% in tier
Delinquency Rate ?	0.00% -100.0% QoQ	-0.92%	0.92% +15.7% YoY	0.99% +12.8% YoY	0.98% +16.3% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	457.08% +721.2% YoY +672.1% QoQ	+379.13%	77.95% +1.0% YoY	80.39% +2.7% YoY	79.03% +2.3% YoY	Bottom 0.1% in tier
Non-Interest-Bearing Deposit Share ?	15.52% -34.6% YoY -41.6% QoQ	-6.51%	22.03% -0.6% YoY	17.72% +0.8% YoY	21.98% -0.6% YoY	26%
Nonperforming Asset Ratio ?	0.00% -100.0% QoQ	-0.67%	0.67% +16.4% YoY	0.63% +7.9% YoY	0.69% +15.8% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	61.62% +602.0% YoY +276.1% QoQ	+45.72%	15.91% +1.4% YoY	14.69% +3.0% YoY	17.09% +0.8% YoY	Top 0.6% in tier
Non-Interest Income / Assets ?	1.00% +401.4% YoY +746.3% QoQ	+0.43%	0.57% +7.6% YoY	0.24% +5.5% YoY	0.66% +5.2% YoY	Top 3.4% 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	15.5% -8.2pp YoY -11.0pp QoQ	-6.6pp	22.1%	17.8%	22.2%	26%
Brokered Deposits	42.7%	+34.8pp	7.9%	6.0%	8.5%	99%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
C&I	39.0% +32.1pp YoY +34.5pp QoQ	+27.5pp	11.6%	12.8%	12.5%	98%
CRE	n/a	n/a	39.5%	28.3%	41.4%	n/a
1-4 Family	3.9% -51.9pp YoY -49.1pp QoQ	-28.7pp	32.6%	23.0%	31.3%	4%
Consumer	0.2% -2.6pp YoY -1.9pp QoQ	-4.0pp	4.1%	2.9%	5.0%	7%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	15.4%	19.7%	n/a
Leverage Ratio	61.6% +52.8pp YoY +53.0pp QoQ	+49.5pp	12.2%	12.4%	12.6%	100%
Total Capital Ratio	n/a	n/a	19.9%	16.5%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Full-Time Employees	788 +779 (+8655.6%) YoY +780 (+9750.0%) QoQ	+729	58	64	482	100%
Assets per Employee ($)	$571,018 -86.7% YoY -88.0% QoQ	-$6.9M	$7.5M	$8.9M	$8.8M	0%
Branch Count	4 +1 (+33.3%) YoY +1 (+33.3%) 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	n/a	n/a	0.9%	1.0%	1.0%	n/a
Allowance Coverage	n/a	n/a	24.15x	18.97x	20.23x	n/a
Net Charge-off Rate (YTD)	n/a	n/a	0.1%	0.1%	0.2%	n/a

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
ROE	-5.6% +4.5pp YoY +5.8pp QoQ	-17.8pp	12.2%	12.8%	11.6%	2%
Cost of Funds (YTD)	0.2% -1.3pp YoY -1.2pp QoQ	-1.5pp	1.7%	1.8%	1.7%	1%
Net Income ($, YTD)	$-2409000.0 -2309.0% YoY — QoQ	-$5.0M	$2.6M	$4.0M	$40.4M	1%

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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 (2)

Revenue Diversifier

growth

#219 of 661 • Top 33.0% 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: 1.00%

(Tier: 0.57%, National: 0.66%)

better than tier avg

Return on Assets: -2.74%

(Tier: 1.32%, National: 1.30%)

but worse than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable

Credit Quality Leader

growth

#224 of 659 • Top 33.8% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.00%

(Tier: 0.92%, National: 0.98%)

better than tier avg

659 of 659 Community banks match · 920 nationally

→ Stable +1 banks QoQ

Concerns (3)

Liquidity Overhang

risk

#1 of 742 • Bottom 0.1% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 61.62%

(Tier: 15.91%, National: 17.09%)

better than tier avg

Loan-to-Deposit Ratio: 457.08%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

742 of 742 Community banks match · 940 nationally

→ Stable +7 banks QoQ

Efficiency Drag

risk

#27 of 361 • Bottom 7.2% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature

Efficiency Ratio: 133.88%

(Tier: 64.48%, National: 70.05%)

worse than tier avg

361 of 361 Community banks match · 426 nationally

↓ Shrinking -64 banks QoQ

NIB Deposit Bleed

decline

#37 of 162 • Bottom 22.2% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature

Noninterest-Bearing Deposit Share: 15.52%

(Tier: 22.03%, National: 21.98%)

worse than tier avg

162 of 162 Community banks match · 211 nationally

↓ Shrinking -26 banks QoQ

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)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.92%

#1 of 2633 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.67%

#1 of 2643 Top 0.1% in $100M-$1B

Tier 1 Capital Ratio

capital

Value: 61.62%

Peer Median: 15.91%

#18 of 2643 Top 0.6% in $100M-$1B

Non-Interest Income / Assets

revenue_mix

Value: 1.00%

Peer Median: 0.57%

#91 of 2643 Top 3.4% in $100M-$1B

Top Weaknesses (5 metrics)

2642

Loan-to-Deposit Ratio

liquidity

Value: 457.08%

Peer Median: 77.95%

#2642 of 2643 Bottom 0.1% in $100M-$1B

2636

Net Interest Margin

profitability

Value: 1.51%

Peer Median: 3.99%

#2636 of 2643 Bottom 0.3% in $100M-$1B

2634

Total Deposits

size

Value: $56.14M

Peer Median: $326.73M

#2634 of 2643 Bottom 0.4% in $100M-$1B

2633

Return on Assets

profitability

Value: -2.74%

Peer Median: 1.32%

#2633 of 2643 Bottom 0.4% in $100M-$1B

2625

Efficiency Ratio

profitability

Value: 133.88%

Peer Median: 64.48%

#2625 of 2643 Bottom 0.7% in $100M-$1B