Grundy Center, IA · Cert 14079 · GNB Bcorp
State charter, Fed member · FED · 9 branches
Q2 2026
Market Position · Waterloo-Cedar Falls, IA · 2026 SOD (annual) · 4.4% share · #6 of 23 inst. · $0.2B of $4.7B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.91% | 0.93% | 0.91% | 1.08% | 1.24% | 1.21% | 1.24% | 1.36% | +28 bps | |
| Return on Equity | 9.11% | 9.19% | 8.32% | 9.68% | 10.90% | 10.46% | 9.95% | 10.84% | +115 bps | |
| Net Interest Margin | 3.19% | 3.26% | 3.44% | 3.59% | 3.60% | 3.66% | 3.67% | 3.83% | +24 bps | |
| Efficiency Ratio | 66.59% | 67.83% | 63.41% | 64.23% | 61.98% | 64.04% | 65.62% | 63.16% | -107 bps | |
| Non-Interest Burden | 1.79% | 1.88% | 1.81% | 1.96% | 1.85% | 1.98% | 2.07% | 2.04% | +8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.87% | -3.33% | -3.98% | 1.00% | -0.73% | 0.23% | -0.04% | -0.87% | -187 bps | |
| Loan Growth (YoY) | 1.28% | 0.44% | -0.21% | 3.64% | 3.54% | 3.49% | 1.08% | -1.45% | -509 bps | |
| Deposit Growth (YoY) | -5.07% | -5.70% | -2.59% | -0.35% | 1.67% | -0.61% | 1.45% | -0.06% | +29 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 1.43% | 1.38% | 1.36% | 1.19% | 0.86% | 0.62% | -76 bps | |
| Net Charge-Offs / Loans | 0.34% | 0.22% | -0.21% | -0.11% | -0.07% | -0.05% | 0.00% | 0.00% | +11 bps | |
| Allowance / Loans | 1.36% | 1.39% | 1.45% | 1.41% | 1.41% | 1.41% | 1.44% | 1.44% | +3 bps | |
| Allowance Coverage of NPLs | 2995.0x | n/a | 1.0x | 1.0x | 1.0x | 1.2x | 1.7x | 2.3x | +1.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.56% | 10.75% | 10.90% | 11.14% | 11.32% | 11.59% | 11.80% | 12.22% | +108 bps | |
| Total Risk-Based Capital | 13.88% | 15.00% | 14.42% | 15.19% | 14.88% | 15.77% | 16.47% | 16.70% | +151 bps | |
| Equity / Assets | 10.78% | 10.51% | 11.44% | 11.49% | 12.04% | 12.24% | 12.68% | 12.75% | +126 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 86.98% | 88.91% | 87.03% | 91.02% | 88.58% | 92.58% | 86.71% | 89.75% | -126 bps | |
| Liquid Assets / Assets | 1.46% | 1.38% | 1.42% | 1.44% | 1.39% | 1.52% | 1.62% | 1.56% | +12 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 120.38% | 116.74% | 113.82% | n/a | n/a | |