GNB Bank
Grundy Center, IA · Cert 14079 · Peer group: banks under $1B in assets in IA (n=134-135) · GNB Bcorp
State charter, Fed member · FED · 9 branches
Q2 2026
$621.3MAssets
$446.9MLoans
$498.0MDeposits
$79.2MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 79% of banks under $1B in assets in IA (rank 28 of 135).
- Widest gap: efficiency ratio trails 74% of banks under $1B in assets in IA (rank 101 of 135).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.36%
Rank 51 of 135
Net Interest Margin
3.83%
Rank 28 of 135
Efficiency Ratio
63.16%
Rank 101 of 135
Equity / Assets
12.75%
Rank 37 of 135
Non-interest income vs. expense
Unfavorable gap of $12.6M · efficiency ratio beats 26% of banks under $1B in assets in IA | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.36% | 0.92% | 1.19% | 1.47% | Beats 62% | 51 / 135 | |
| Return on Equity | 10.65% | 7.99% | 10.26% | 13.14% | Beats 56% | 60 / 135 | |
| Net Interest Margin | 3.83% | 2.95% | 3.41% | 3.73% | Beats 79% | 28 / 135 | |
| Efficiency Ratio | 63.16% | 50.61% | 57.35% | 63.29% | Beats 26% | 101 / 135 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.62% | 0.03% | 0.51% | 1.26% | Beats 46% | 73 / 134 | |
| Net Charge-Offs / Loans | 0.01% | n/a | 0.01% | 0.03% | Beats 40% | 81 / 134 | |
| Capital |
| Tier 1 Capital Ratio | 15.45% | 11.23% | 13.31% | 15.45% | Beats 75% | 34 / 135 | |
| Total Risk-Based Capital Ratio | 16.70% | 11.61% | 14.06% | 16.47% | Beats 79% | 29 / 135 | |
| Equity / Assets | 12.75% | 9.87% | 11.05% | 13.07% | Beats 73% | 37 / 135 | |
| Liquidity & Funding |
| Loans / Deposits | 89.75% | 68.54% | 81.55% | 91.24% | 69th pctl | 41 / 134 | |
| Loans / Assets | 71.93% | 57.61% | 68.06% | 76.23% | 59th pctl | 55 / 135 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |