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FNNB Bank

$100M-$1B Specialty: Commercial IA FDIC cert 4482

Newton, IA

2664 banks in the $100M-$1B peer group nationally 166 in IA
View $100M-$1B leaderboard (IA) →

FNNB Bank has 2 strengths but faces 2 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

  • + Net Interest Margin 0.53% above tier average
  • + Delinquency Rate 0.29% below tier average

Key Concerns

Areas that may need attention

  • - ROA 0.07% below tier average
  • - Efficiency Ratio 5.38% above tier average
Get updates when FNNB Bank releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Total Assets ? $104.6M
+0.5% YoY +2.3% QoQ
-$281.4M $386.1M
+0.5% YoY
$560.1M
+4.8% YoY
$6.2B
+9.1% YoY
Bottom 1.7% in tier
Total Loans ? $72.5M
+13.8% YoY +6.5% QoQ
-$183.2M $255.7M
+1.1% YoY
$379.9M
+5.0% YoY
$3.2B
+10.8% YoY
Bottom 8.3% in tier
Total Deposits ? $84.9M
-2.8% YoY -5.7% QoQ
-$243.1M $328.0M
+0.1% YoY
$469.6M
+4.4% YoY
$4.8B
+8.2% YoY
Bottom 1.3% in tier
Return on Assets ? 1.19%
+45.2% YoY +20.6% QoQ
-0.07% 1.27%
+12.9% YoY
1.31%
+22.6% YoY
1.23%
+13.4% YoY
49%
Net Interest Margin ? 4.46%
+17.5% YoY +8.9% QoQ
+0.53% 3.93%
+6.0% YoY
3.52%
+10.3% YoY
3.89%
+5.7% YoY
80%
Efficiency Ratio ? 70.67%
-7.8% YoY -3.8% QoQ
+5.38% 65.29%
-4.5% YoY
58.40%
-7.6% YoY
66.95%
-4.1% YoY
31%
Delinquency Rate ? 0.60% -0.29% 0.89%
+18.8% YoY
0.92%
+14.5% YoY
0.95%
+18.8% YoY
40%
Loan-to-Deposit Ratio ? 85.41%
+17.2% YoY +12.9% QoQ
+8.77% 76.64%
+0.8% YoY
77.40%
+1.1% YoY
76.70%
+0.9% YoY
34%
Non-Interest-Bearing Deposit Share ? 34.57%
+2.2% YoY +12.2% QoQ
+12.55% 22.02%
-1.0% YoY
17.87%
+0.7% YoY
22.01%
-1.2% YoY
Top 10.6% in tier
Nonperforming Asset Ratio ? 0.41% -0.22% 0.64%
+19.7% YoY
0.58%
+11.7% YoY
0.67%
+19.3% YoY
42%
Tier 1 Capital Ratio ? 12.73%
-1.8% YoY -2.3% QoQ
-3.10% 15.83%
+1.5% YoY
14.34%
+1.8% YoY
17.06%
+0.8% YoY
44%
Non-Interest Income / Assets ? 0.07%
+48.2% YoY -71.6% QoQ
-0.21% 0.28%
+9.3% YoY
0.12%
+10.7% YoY
0.32%
+4.1% YoY
34%

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 (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).
Comparing against 2664 peers in $100M-$1B

Top Strengths (2 metrics)

283
Non-Interest-Bearing Deposit Share
funding
Value: 34.57%
Peer Median: 22.02%
#283 of 2664 Top 10.6% in $100M-$1B
521
Net Interest Margin
profitability
Value: 4.46%
Peer Median: 3.93%
#521 of 2664 Top 19.5% in $100M-$1B

Top Weaknesses (3 metrics)

2630
Total Deposits
size
Value: $84.89M
Peer Median: $327.97M
#2630 of 2664 Bottom 1.3% in $100M-$1B
2621
Total Assets
size
Value: $104.65M
Peer Median: $386.08M
#2621 of 2664 Bottom 1.7% in $100M-$1B
2444
Total Loans
size
Value: $72.51M
Peer Median: $255.72M
#2444 of 2664 Bottom 8.3% in $100M-$1B
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