BlastPoint's Banking Scorecard

Glenwood State Bank

$100M-$1B Specialty: Other IA FDIC cert 956

Glenwood, IA

4 branches across IA

2664 banks in the $100M-$1B peer group nationally 166 in IA

Glenwood State Bank has 4 strengths but faces 1 concern

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 5.4% in tier
+ Profitability Leader: Top 5.6% in tier
+ Efficiency Ratio 39.80% below tier average
+ Delinquency Rate 0.25% below tier average

Key Concerns

Areas that may need attention

- Net Interest Margin 0.05% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Total Assets ?	$362.1M +9.6% YoY +9.4% QoQ	-$23.9M	$386.1M +0.5% YoY	$560.1M +4.8% YoY	$6.2B +9.1% YoY	56%
Total Loans ?	$155.9M +5.6% YoY +1.0% QoQ	-$99.8M	$255.7M +1.1% YoY	$379.9M +5.0% YoY	$3.2B +10.8% YoY	37%
Total Deposits ?	$318.4M +8.7% YoY +10.0% QoQ	-$9.5M	$328.0M +0.1% YoY	$469.6M +4.4% YoY	$4.8B +8.2% YoY	58%
Return on Assets ?	3.06% +124.9% YoY +150.7% QoQ	+1.79%	1.27% +12.9% YoY	1.31% +22.6% YoY	1.23% +13.4% YoY	Top 1.9% in tier
Net Interest Margin ?	3.88% +12.8% YoY +1.2% QoQ	-0.05%	3.93% +6.0% YoY	3.52% +10.3% YoY	3.89% +5.7% YoY	51%
Efficiency Ratio ?	25.48% -46.2% YoY -47.8% QoQ	-39.80%	65.29% -4.5% YoY	58.40% -7.6% YoY	66.95% -4.1% YoY	Top 0.5% in tier
Delinquency Rate ?	0.64% -70.0% YoY -29.3% QoQ	-0.25%	0.89% +18.8% YoY	0.92% +14.5% YoY	0.95% +18.8% YoY	39%
Loan-to-Deposit Ratio ?	48.97% -2.9% YoY -8.1% QoQ	-27.67%	76.64% +0.8% YoY	77.40% +1.1% YoY	76.70% +0.9% YoY	Top 8.5% in tier
Non-Interest-Bearing Deposit Share ?	20.93% +2.4% YoY -0.3% QoQ	-1.09%	22.02% -1.0% YoY	17.87% +0.7% YoY	22.01% -1.2% YoY	49%
Nonperforming Asset Ratio ?	0.28% -71.1% YoY -34.7% QoQ	-0.36%	0.64% +19.7% YoY	0.58% +11.7% YoY	0.67% +19.3% YoY	53%
Tier 1 Capital Ratio ?	12.21% +7.1% YoY +4.2% QoQ	-3.62%	15.83% +1.5% YoY	14.34% +1.8% YoY	17.06% +0.8% YoY	37%
Non-Interest Income / Assets ?	0.45% +586.0% YoY +128.1% QoQ	+0.17%	0.28% +9.3% YoY	0.12% +10.7% YoY	0.32% +4.1% YoY	Top 3.8% in tier

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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

#37 of 666 • Top 5.4% 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: 0.45%

(Tier: 0.28%, National: 0.32%)

better than tier avg

Return on Assets: 3.06%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ

Profitability Leader

growth

#38 of 666 • Top 5.6% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 3.06%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ

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 2664 peers in $100M-$1B

Top Strengths (4 metrics)

Efficiency Ratio

profitability

Value: 25.48%

Peer Median: 65.29%

#13 of 2664 Top 0.5% in $100M-$1B

Return on Assets

profitability

Value: 3.06%

Peer Median: 1.27%

#51 of 2664 Top 1.9% in $100M-$1B

103

Non-Interest Income / Assets

revenue_mix

Value: 0.45%

Peer Median: 0.28%

#103 of 2664 Top 3.8% in $100M-$1B

228

Loan-to-Deposit Ratio

liquidity

Value: 48.97%

Peer Median: 76.64%

#228 of 2664 Top 8.5% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available