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Glenwood State Bank (Incorporated)

$100M-$1B Specialty: Commercial MN FDIC cert 8853

Glenwood, MN

3 branches across MN

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 151 in MN.
  • Deposits -1.1% year over year ($469.4M on the books).
  • Delinquency rate 2.06%.
  • Return on assets 1.70%.
  • Efficiency ratio 58.46% vs a 64.48% peer average.
  • Loan-to-deposit ratio 103.13% 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 151 in MN
View $100M-$1B leaderboard (MN) →

Glenwood State Bank (Incorporated) has 2 strengths but faces 4 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

  • + ROA 0.38% above tier average
  • + Efficiency Ratio 6.02% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 22.3% in tier
  • - Nonperforming Asset Ratio 1.16% above tier average
  • - Net Interest Margin 0.07% below tier average
  • - Delinquency Rate 1.14% above tier average
Get updates when Glenwood State Bank (Incorporated) releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Total Assets ? $545.2M
-0.0% YoY -0.7% QoQ
+$158.6M $386.6M
+1.2% YoY
$524.5M
+5.8% YoY
$6.3B
+7.7% YoY
76%
Total Loans ? $484.1M
-3.5% YoY -0.1% QoQ
+$225.8M $258.3M
+1.7% YoY
$300.2M
+7.3% YoY
$3.2B
+9.4% YoY
Top 13.0% in tier
Total Deposits ? $469.4M
-1.1% YoY -0.7% QoQ
+$142.7M $326.7M
+0.7% YoY
$452.1M
+5.5% YoY
$4.9B
+7.3% YoY
77%
Return on Assets ? 1.70%
+19.7% YoY +2.7% QoQ
+0.38% 1.32%
+10.8% YoY
1.26%
+17.2% YoY
1.30%
+12.1% YoY
76%
Net Interest Margin ? 3.92%
+10.6% YoY +1.6% QoQ
-0.07% 3.99%
+5.0% YoY
4.00%
+6.8% YoY
3.95%
+4.9% YoY
49%
Efficiency Ratio ? 58.46%
-3.8% YoY -0.5% QoQ
-6.02% 64.48%
-3.2% YoY
63.00%
-3.5% YoY
70.05%
+2.5% YoY
62%
Delinquency Rate ? 2.06%
+43.5% YoY +28.2% QoQ
+1.14% 0.92%
+15.7% YoY
1.01%
+19.3% YoY
0.98%
+16.3% YoY
Bottom 12.4% in tier
Loan-to-Deposit Ratio ? 103.13%
-2.4% YoY +0.6% QoQ
+25.17% 77.95%
+1.0% YoY
78.29%
-0.6% YoY
79.03%
+2.3% YoY
Bottom 6.9% in tier
Non-Interest-Bearing Deposit Share ? 18.40%
+17.8% YoY +13.2% QoQ
-3.63% 22.03%
-0.6% YoY
21.79%
+0.9% YoY
21.98%
-0.6% YoY
38%
Nonperforming Asset Ratio ? 1.83%
+38.5% YoY +29.0% QoQ
+1.16% 0.67%
+16.4% YoY
0.76%
+16.9% YoY
0.69%
+15.8% YoY
Bottom 8.8% in tier
Tier 1 Capital Ratio ? 12.14%
+14.7% YoY +0.2% QoQ
-3.77% 15.91%
+1.4% YoY
15.35%
-0.4% YoY
17.09%
+0.8% YoY
37%
Non-Interest Income / Assets ? 0.17%
+8.3% YoY +109.1% QoQ
-0.40% 0.57%
+7.6% YoY
0.31%
+3.9% YoY
0.66%
+5.2% YoY
41%

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 (MN) National Avg Tier Percentile
Noninterest-Bearing 18.4%
+2.8pp YoY
+2.1pp QoQ
 -3.7pp 22.1% 21.9% 22.2% 38%
Brokered Deposits n/a n/a 7.9% 8.3% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
C&I 13.1%
-0.5pp YoY
-0.6pp QoQ
 +1.5pp 11.6% 14.6% 12.5% 68%
CRE 40.7%
-2.6pp YoY
-0.1pp QoQ
 +1.2pp 39.5% 36.5% 41.4% 55%
1-4 Family 24.7%
+1.7pp YoY
+0.6pp QoQ
 -8.0pp 32.6% 29.4% 31.3% 40%
Consumer 2.1%
+0.1pp YoY
+0.1pp QoQ
 -2.0pp 4.1% 4.5% 5.0% 50%

Capital

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
CET1 Ratio 12.1%
+1.6pp YoY
0.0pp QoQ
 -6.7pp 18.8% 16.5% 19.7% 19%
Leverage Ratio 10.3%
+0.8pp YoY
-0.1pp QoQ
 -1.9pp 12.2% 11.0% 12.6% 37%
Total Capital Ratio 13.4%
+1.6pp YoY
0.0pp QoQ
 -6.5pp 19.9% 17.6% 20.8% 20%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Full-Time Employees 72
0 YoY
0 QoQ
 +13 58 55 482 72%
Assets per Employee ($) $7.6M
0.0% YoY
-0.7% QoQ
 +$54K $7.5M $8.6M $8.8M 62%
Branch Count 3
0 YoY
0 QoQ
 -2 4 4 18 26%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Past Due 90+ Days 0.0%
-0.1pp YoY
0.0pp QoQ
 -0.3pp 0.3% 0.4% 0.4% 34%
Nonaccrual 2.0%
+0.8pp YoY
+0.5pp QoQ
 +1.1pp 0.9% 1.0% 1.0% 87%
Allowance Coverage 0.60x
-25.6% YoY
-21.6% QoQ
 -23.56x 24.15x 20.41x 20.23x 14%
Net Charge-off Rate (YTD) -0.0%
-0.1pp YoY
0.0pp QoQ
 -0.2pp 0.1% 0.2% 0.2% 8%

Profitability

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
ROE 16.9%
+1.3pp YoY
+0.2pp QoQ
 +4.7pp 12.2% 13.1% 11.6% 77%
Cost of Funds (YTD) 2.2%
-0.3pp YoY
0.0pp QoQ
 +0.4pp 1.7% 1.7% 1.7% 79%
Net Income ($, YTD) $4.7M
+20.8% YoY
— QoQ
 +$2.1M $2.6M $4.5M $40.4M 86%

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 (1)

Liquidity Strain

risk
#155 of 691 • Bottom 22.3% 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: 103.13%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank improving

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 2643 peers in $100M-$1B

Top Strengths (4 metrics)

345
Total Loans
size
Value: $484.12M
Peer Median: $258.35M
#345 of 2643 Top 13.0% in $100M-$1B
611
Total Deposits
size
Value: $469.45M
Peer Median: $326.73M
#611 of 2643 Top 23.1% in $100M-$1B
641
Total Assets
size
Value: $545.21M
Peer Median: $386.57M
#641 of 2643 Top 24.2% in $100M-$1B
643
Return on Assets
profitability
Value: 1.70%
Peer Median: 1.32%
#643 of 2643 Top 24.3% in $100M-$1B

Top Weaknesses (3 metrics)

2461
Loan-to-Deposit Ratio
liquidity
Value: 103.13%
Peer Median: 77.95%
#2461 of 2643 Bottom 6.9% in $100M-$1B
2411
Nonperforming Asset Ratio
credit_quality
Value: 1.83%
Peer Median: 0.67%
#2411 of 2643 Bottom 8.8% in $100M-$1B
2308
Delinquency Rate
credit_quality
Value: 2.06%
Peer Median: 0.92%
#2308 of 2633 Bottom 12.4% in $100M-$1B
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