Grundy, VA · Cert 19011 · GNB Bankshares Corp.
State charter, Fed member · FED · 4 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
93
Asset Quality
16
Profitability
22
Liquidity
75
Efficiency
44
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Grundy, VA · Cert 19011 · GNB Bankshares Corp.
State charter, Fed member · FED · 4 branches
Q2 2026
Market Position · Kingsport-Bristol, TN-VA · 2026 SOD (annual) · 0.4% share · #21 of 24 inst. · $0.0B of $5.9B
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 | 0.60% | 0.63% | 0.90% | 0.90% | 0.88% | 0.88% | 0.91% | 0.85% | -5 bps | |
| Return on Equity | 3.35% | 3.57% | 5.17% | 5.19% | 5.07% | 5.07% | 5.15% | 4.77% | -42 bps | |
| Net Interest Margin | 2.52% | 2.52% | 3.04% | 2.91% | 2.80% | 2.83% | 2.80% | 2.88% | -3 bps | |
| Efficiency Ratio | 75.55% | 74.20% | 66.29% | 65.16% | 65.34% | 65.30% | 66.87% | 66.56% | +140 bps | |
| Non-Interest Burden | 1.88% | 1.84% | 1.98% | 1.85% | 1.79% | 1.81% | 1.73% | 1.83% | -3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.59% | 4.68% | 4.58% | 9.89% | 6.70% | 7.74% | 5.68% | 0.69% | -920 bps | |
| Loan Growth (YoY) | 25.38% | 23.57% | 14.33% | 9.90% | 5.72% | 15.64% | 12.19% | 12.84% | +293 bps | |
| Deposit Growth (YoY) | 4.12% | 4.06% | 4.82% | 14.71% | 8.50% | 5.21% | 4.62% | -5.45% | -2,015 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.65% | 0.91% | 0.93% | 0.93% | 1.75% | 1.70% | 1.80% | 1.78% | +85 bps | |
| Net Charge-Offs / Loans | -0.01% | 0.00% | 0.02% | 0.03% | 0.05% | 0.08% | 0.17% | 0.16% | +14 bps | |
| Allowance / Loans | 1.47% | 1.43% | 1.42% | 1.39% | 1.35% | 1.13% | 1.13% | 1.11% | -28 bps | |
| Allowance Coverage of NPLs | 2.2x | 1.6x | 1.5x | 1.5x | 0.8x | 0.7x | 0.6x | 0.6x | -0.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 21.78% | 21.23% | 21.40% | 21.32% | 20.69% | 20.28% | 20.49% | 20.64% | -69 bps | |
| Total Risk-Based Capital | 31.81% | 31.04% | 31.47% | 31.35% | 30.86% | 28.11% | 28.90% | 28.81% | -254 bps | |
| Equity / Assets | 17.36% | 17.20% | 17.55% | 17.09% | 17.78% | 17.31% | 17.84% | 18.07% | +99 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 73.77% | 74.89% | 73.63% | 70.22% | 71.88% | 82.32% | 78.96% | 83.79% | +1,358 bps | |
| Liquid Assets / Assets | 1.66% | 0.53% | 1.39% | 5.64% | 5.65% | 0.51% | 0.60% | 0.35% | -529 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 177.12% | 206% | 189.53% | n/a | n/a | |
Grundy, VA · Cert 19011 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · GNB Bankshares Corp.
State charter, Fed member · FED · 4 branches
Q2 2026
Return on Assets
0.85%
Rank 487 of 746
Net Interest Margin
2.88%
Rank 640 of 746
Efficiency Ratio
66.56%
Rank 418 of 746
Equity / Assets
18.07%
Rank 51 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.85% | 0.72% | 1.06% | 1.45% | Beats 35% | 487 / 746 | ||
| Return on Equity | 4.69% | 6.74% | 10.51% | 13.63% | Beats 17% | 622 / 746 | ||
| Net Interest Margin | 2.88% | 3.17% | 3.68% | 4.16% | Beats 14% | 640 / 746 | ||
| Efficiency Ratio | 66.56% | 55.74% | 64.58% | 75.47% | Beats 44% | 418 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.78% | 0.09% | 0.42% | 1.07% | Beats 14% | 642 / 743 | ||
| Net Charge-Offs / Loans | 0.08% | 0.00% | 0.01% | 0.05% | Beats 18% | 612 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 27.83% | 11.55% | 13.75% | 17.60% | Beats 93% | 50 / 746 | ||
| Total Risk-Based Capital Ratio | 28.81% | 11.71% | 14.33% | 18.43% | Beats 93% | 49 / 746 | ||
| Equity / Assets | 18.07% | 8.90% | 10.51% | 13.06% | Beats 93% | 51 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 83.79% | 61.31% | 78.27% | 90.78% | 62nd pctl | 284 / 746 | ||
| Loans / Assets | 65.06% | 53.60% | 66.97% | 76.08% | 45th pctl | 409 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||