BlastPoint's Banking Scorecard

Green Belt Bank & Trust

$100M-$1B Specialty: Agricultural IA FDIC cert 26760

Iowa Falls, IA

9 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 +6.6% year over year ($676.6M on the books).
Delinquency rate 0.04%.
Return on assets 1.73%.
Efficiency ratio 52.48% vs a 64.48% peer average.
Loan-to-deposit ratio 92.88% 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) →

Green Belt Bank & Trust 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

+ Credit Quality Leader: Top 9.9% in tier
+ ROA 0.41% above tier average
+ Efficiency Ratio 12.00% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 5.0% in tier
- Credit Risk Growth: Bottom 9.5% in tier
- Liquidity Strain: Bottom 23.4% in tier
- Non-Interest-Bearing Deposit Share 13.64% below tier average
- Net Interest Margin 0.59% below tier average

Get updates when Green Belt Bank & Trust releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Total Assets ?	$758.7M +6.6% YoY -1.7% QoQ	+$372.1M	$386.6M +1.2% YoY	$566.2M +5.8% YoY	$6.3B +7.7% YoY	Top 10.0% in tier
Total Loans ?	$628.4M +4.3% YoY +0.0% QoQ	+$370.1M	$258.3M +1.7% YoY	$385.0M +5.4% YoY	$3.2B +9.4% YoY	Top 4.9% in tier
Total Deposits ?	$676.6M +6.6% YoY -2.0% QoQ	+$349.9M	$326.7M +0.7% YoY	$472.4M +6.3% YoY	$4.9B +7.3% YoY	Top 8.1% in tier
Return on Assets ?	1.73% +15.0% YoY +1.4% QoQ	+0.41%	1.32% +10.8% YoY	1.58% +39.1% YoY	1.30% +12.1% YoY	77%
Net Interest Margin ?	3.39% +6.5% YoY +2.7% QoQ	-0.59%	3.99% +5.0% YoY	3.58% +9.0% YoY	3.95% +4.9% YoY	23%
Efficiency Ratio ?	52.48% -4.3% YoY -0.2% QoQ	-12.00%	64.48% -3.2% YoY	57.74% -6.0% YoY	70.05% +2.5% YoY	78%
Delinquency Rate ?	0.04% +114.7% YoY -81.5% QoQ	-0.88%	0.92% +15.7% YoY	0.99% +12.8% YoY	0.98% +16.3% YoY	81%
Loan-to-Deposit Ratio ?	92.88% -2.2% YoY +2.1% QoQ	+14.93%	77.95% +1.0% YoY	80.39% +2.7% YoY	79.03% +2.3% YoY	21%
Non-Interest-Bearing Deposit Share ?	8.39% -4.3% YoY +2.7% QoQ	-13.64%	22.03% -0.6% YoY	17.72% +0.8% YoY	21.98% -0.6% YoY	Bottom 7.7% in tier
Nonperforming Asset Ratio ?	0.03% +110.2% YoY -81.2% QoQ	-0.64%	0.67% +16.4% YoY	0.63% +7.9% YoY	0.69% +15.8% YoY	82%
Tier 1 Capital Ratio ?	10.13% +2.5% YoY +2.8% QoQ	-5.78%	15.91% +1.4% YoY	14.69% +3.0% YoY	17.09% +0.8% YoY	Bottom 12.4% in tier
Non-Interest Income / Assets ?	0.32% +11.4% YoY +85.3% QoQ	-0.24%	0.57% +7.6% YoY	0.24% +5.5% YoY	0.66% +5.2% YoY	76%

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	8.4% -0.4pp YoY +0.2pp QoQ	-13.8pp	22.1%	17.8%	22.2%	7%
Brokered Deposits	0.6% -0.1pp YoY 0.0pp QoQ	-7.2pp	7.9%	6.0%	8.5%	13%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
C&I	10.8% +1.4pp YoY +0.4pp QoQ	-0.7pp	11.6%	12.8%	12.5%	57%
CRE	25.8% -1.6pp YoY -0.2pp QoQ	-13.7pp	39.5%	28.3%	41.4%	28%
1-4 Family	8.9% -0.5pp YoY -0.3pp QoQ	-23.7pp	32.6%	23.0%	31.3%	9%
Consumer	1.3% +0.1pp YoY 0.0pp QoQ	-2.8pp	4.1%	2.9%	5.0%	36%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
CET1 Ratio	10.1% +0.2pp YoY +0.3pp QoQ	-8.7pp	18.8%	15.4%	19.7%	3%
Leverage Ratio	9.2% +0.2pp YoY +0.1pp QoQ	-3.0pp	12.2%	12.4%	12.6%	15%
Total Capital Ratio	11.4% +0.2pp YoY +0.3pp QoQ	-8.6pp	19.9%	16.5%	20.8%	3%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Full-Time Employees	91 +3 (+3.4%) YoY -2 (-2.2%) QoQ	+32	58	64	482	83%
Assets per Employee ($)	$8.3M +3.1% YoY +0.4% QoQ	+$819K	$7.5M	$8.9M	$8.8M	72%
Branch Count	9 0 YoY 0 QoQ	+4	4	5	18	86%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% 0.0pp YoY -0.2pp QoQ	-0.3pp	0.3%	0.4%	0.4%	17%
Nonaccrual	0.0% 0.0pp YoY 0.0pp QoQ	-0.9pp	0.9%	1.0%	1.0%	7%
Allowance Coverage	38.36x -52.9% YoY +453.1% QoQ	+14.21x	24.15x	18.97x	20.23x	93%
Net Charge-off Rate (YTD)	-0.0% 0.0pp YoY 0.0pp QoQ	-0.2pp	0.1%	0.1%	0.2%	9%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
ROE	18.9% +1.8pp YoY +0.1pp QoQ	+6.7pp	12.2%	12.8%	11.6%	85%
Cost of Funds (YTD)	2.4% -0.1pp YoY 0.0pp QoQ	+0.7pp	1.7%	1.8%	1.7%	87%
Net Income ($, YTD)	$6.5M +21.6% YoY — QoQ	+$4.0M	$2.6M	$4.0M	$40.4M	94%

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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)

Credit Quality Leader

growth

#66 of 659 • Top 9.9% in tier

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

Why this signature

Delinquency Rate: 0.04%

(Tier: 0.92%, National: 0.98%)

better than tier avg

659 of 659 Community banks match · 920 nationally

→ Stable +1 banks QoQ

Concerns (3)

Credit Quality Pressure

risk

#64 of 1256 • Bottom 5.0% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.04%

(Tier: 0.92%, National: 0.98%)

better than tier avg

1256 of 1256 Community banks match · 1820 nationally

→ Stable -71 banks QoQ | QoQ rank improving

Credit Risk Growth

risk

#90 of 936 • Bottom 9.5% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally

→ Stable -58 banks QoQ | QoQ rank declining

Liquidity Strain

risk

#163 of 691 • Bottom 23.4% 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: 92.88%

(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).

Compare against:

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

Top Strengths (8 metrics)

131

Total Loans

size

Value: $628.43M

Peer Median: $258.35M

#131 of 2643 Top 4.9% in $100M-$1B

216

Total Deposits

size

Value: $676.61M

Peer Median: $326.73M

#216 of 2643 Top 8.1% in $100M-$1B

265

Total Assets

size

Value: $758.71M

Peer Median: $386.57M

#265 of 2643 Top 10.0% in $100M-$1B

477

Nonperforming Asset Ratio

credit_quality

Value: 0.03%

Peer Median: 0.67%

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

493

Delinquency Rate

credit_quality

Value: 0.04%

Peer Median: 0.92%

#493 of 2633 Top 18.7% in $100M-$1B

577

Efficiency Ratio

profitability

Value: 52.48%

Peer Median: 64.48%

#577 of 2643 Top 21.8% in $100M-$1B

608

Return on Assets

profitability

Value: 1.73%

Peer Median: 1.32%

#608 of 2643 Top 23.0% in $100M-$1B

644

Non-Interest Income / Assets

revenue_mix

Value: 0.32%

Peer Median: 0.57%

#644 of 2643 Top 24.3% in $100M-$1B

Top Weaknesses (4 metrics)

2440

Non-Interest-Bearing Deposit Share

funding

Value: 8.39%

Peer Median: 22.03%

#2440 of 2643 Bottom 7.7% in $100M-$1B

2315

Tier 1 Capital Ratio

capital

Value: 10.13%

Peer Median: 15.91%

#2315 of 2643 Bottom 12.4% in $100M-$1B

2100

Loan-to-Deposit Ratio

liquidity

Value: 92.88%

Peer Median: 77.95%

#2100 of 2643 Bottom 20.6% in $100M-$1B

2026

Net Interest Margin

profitability

Value: 3.39%

Peer Median: 3.99%

#2026 of 2643 Bottom 23.4% in $100M-$1B