BlastPoint's Banking Scorecard

Glenwood State Bank

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

Glenwood, 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 +10.9% year over year ($307.7M on the books).
Delinquency rate 1.53%.
Return on assets 2.69%.
Efficiency ratio 30.96% vs a 64.48% peer average.
Loan-to-deposit ratio 53.40% 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) →

Glenwood State Bank has 3 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

+ Profitability Leader: Top 4.7% in tier
+ Revenue Diversifier: Top 13.3% in tier
+ Efficiency Ratio 33.51% below tier average

Key Concerns

Areas that may need attention

- Delinquency Rate 0.61% above tier average

Get updates when Glenwood State Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Total Assets ?	$352.9M +11.5% YoY -2.6% QoQ	-$33.7M	$386.6M +1.2% YoY	$566.2M +5.8% YoY	$6.3B +7.7% YoY	54%
Total Loans ?	$164.3M +13.2% YoY +5.4% QoQ	-$94.0M	$258.3M +1.7% YoY	$385.0M +5.4% YoY	$3.2B +9.4% YoY	39%
Total Deposits ?	$307.7M +10.9% YoY -3.4% QoQ	-$19.1M	$326.7M +0.7% YoY	$472.4M +6.3% YoY	$4.9B +7.3% YoY	56%
Return on Assets ?	2.69% +83.5% YoY -12.2% QoQ	+1.37%	1.32% +10.8% YoY	1.58% +39.1% YoY	1.30% +12.1% YoY	Top 3.3% in tier
Net Interest Margin ?	4.00% +10.4% YoY +3.3% QoQ	+0.02%	3.99% +5.0% YoY	3.58% +9.0% YoY	3.95% +4.9% YoY	53%
Efficiency Ratio ?	30.96% -33.9% YoY +21.5% QoQ	-33.51%	64.48% -3.2% YoY	57.74% -6.0% YoY	70.05% +2.5% YoY	Top 0.9% in tier
Delinquency Rate ?	1.53% -15.4% YoY +138.7% QoQ	+0.61%	0.92% +15.7% YoY	0.99% +12.8% YoY	0.98% +16.3% YoY	18%
Loan-to-Deposit Ratio ?	53.40% +2.1% YoY +9.0% QoQ	-24.55%	77.95% +1.0% YoY	80.39% +2.7% YoY	79.03% +2.3% YoY	Top 11.1% in tier
Non-Interest-Bearing Deposit Share ?	23.19% +7.4% YoY +10.8% QoQ	+1.16%	22.03% -0.6% YoY	17.72% +0.8% YoY	21.98% -0.6% YoY	60%
Nonperforming Asset Ratio ?	0.71% -14.1% YoY +158.2% QoQ	+0.04%	0.67% +16.4% YoY	0.63% +7.9% YoY	0.69% +15.8% YoY	30%
Tier 1 Capital Ratio ?	12.45% +7.4% YoY +2.0% QoQ	-3.46%	15.91% +1.4% YoY	14.69% +3.0% YoY	17.09% +0.8% YoY	41%
Non-Interest Income / Assets ?	0.58% +424.6% YoY +29.0% QoQ	+0.01%	0.57% +7.6% YoY	0.24% +5.5% YoY	0.66% +5.2% YoY	Top 7.2% 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	23.2% +1.6pp YoY +2.3pp QoQ	+1.0pp	22.1%	17.8%	22.2%	60%
Brokered Deposits	n/a	n/a	7.9%	6.0%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
C&I	10.8% +2.4pp YoY +2.4pp QoQ	-0.8pp	11.6%	12.8%	12.5%	57%
CRE	33.8% -3.3pp YoY -0.4pp QoQ	-5.8pp	39.5%	28.3%	41.4%	41%
1-4 Family	42.9% +3.4pp YoY -1.2pp QoQ	+10.2pp	32.6%	23.0%	31.3%	74%
Consumer	3.4% -0.9pp YoY -0.1pp QoQ	-0.7pp	4.1%	2.9%	5.0%	64%

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	12.5% +0.9pp YoY +0.2pp QoQ	+0.3pp	12.2%	12.4%	12.6%	70%
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	38 0 YoY 0 QoQ	-21	58	64	482	39%
Assets per Employee ($)	$9.3M +11.5% YoY -2.6% QoQ	+$1.8M	$7.5M	$8.9M	$8.8M	81%
Branch Count	4 0 YoY 0 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	1.0% +1.0pp YoY +0.9pp QoQ	+0.7pp	0.3%	0.4%	0.4%	91%
Nonaccrual	0.5% -1.3pp YoY 0.0pp QoQ	-0.4pp	0.9%	1.0%	1.0%	53%
Allowance Coverage	0.74x -12.1% YoY -54.6% QoQ	-23.42x	24.15x	18.97x	20.23x	19%
Net Charge-off Rate (YTD)	0.2% +0.2pp YoY -0.5pp QoQ	+0.1pp	0.1%	0.1%	0.2%	86%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
ROE	22.6% +9.5pp YoY -3.6pp QoQ	+10.4pp	12.2%	12.8%	11.6%	93%
Cost of Funds (YTD)	1.3% -0.2pp YoY 0.0pp QoQ	-0.4pp	1.7%	1.8%	1.7%	24%
Net Income ($, YTD)	$4.7M +99.3% YoY — QoQ	+$2.1M	$2.6M	$4.0M	$40.4M	85%

Get Full Access to Glenwood State Bank

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

Want to see an example first? Preview JPMorgan Chase's scorecard →

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)

Profitability Leader

growth

#32 of 661 • Top 4.7% in tier

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

Why this signature

Return on Assets: 2.69%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank improving

Revenue Diversifier

growth

#89 of 661 • Top 13.3% 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: 0.58%

(Tier: 0.57%, National: 0.66%)

better than tier avg

Return on Assets: 2.69%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank declining

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 2643 peers in $100M-$1B

Top Strengths (4 metrics)

Efficiency Ratio

profitability

Value: 30.96%

Peer Median: 64.48%

#24 of 2643 Top 0.9% in $100M-$1B

Return on Assets

profitability

Value: 2.69%

Peer Median: 1.32%

#89 of 2643 Top 3.3% in $100M-$1B

191

Non-Interest Income / Assets

revenue_mix

Value: 0.58%

Peer Median: 0.57%

#191 of 2643 Top 7.2% in $100M-$1B

294

Loan-to-Deposit Ratio

liquidity

Value: 53.40%

Peer Median: 77.95%

#294 of 2643 Top 11.1% in $100M-$1B

Top Weaknesses (1 metrics)

2154

Delinquency Rate

credit_quality

Value: 1.53%

Peer Median: 0.92%

#2154 of 2633 Bottom 18.2% in $100M-$1B