Glenwood State Bank (Incorporated)
Glenwood, MN · Cert 8853 · Peer group: banks under $1B in assets in MN (n=112-114)
State charter, non-member · FDIC · 3 branches
Q2 2026
$545.2MAssets
$490.1MLoans
$469.4MDeposits
$56.2MEquity
Executive Summary
- Strongest standing: return on assets outperforms 68% of banks under $1B in assets in MN (rank 36 of 114).
- Widest gap: nonperforming loans / loans trails 78% of banks under $1B in assets in MN (rank 88 of 112).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.35%
Rank 36 of 114
Net Interest Margin
3.80%
Rank 63 of 114
Efficiency Ratio
58.46%
Rank 48 of 114
Equity / Assets
10.30%
Rank 56 of 114
Non-interest income vs. expense
Unfavorable gap of $11.4M · efficiency ratio beats 59% of banks under $1B in assets in MN | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.35% | 0.87% | 1.20% | 1.41% | Beats 68% | 36 / 114 | |
| Return on Equity | 13.15% | 8.92% | 11.27% | 13.99% | Beats 67% | 38 / 114 | |
| Net Interest Margin | 3.80% | 3.39% | 3.88% | 4.31% | Beats 45% | 63 / 114 | |
| Efficiency Ratio | 58.46% | 54.13% | 61.64% | 69.86% | Beats 59% | 48 / 114 | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.03% | 0.09% | 0.58% | 1.82% | Beats 22% | 88 / 112 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.04% | Beats 68% | 37 / 112 | |
| Capital |
| Tier 1 Capital Ratio | 12.14% | 11.46% | 13.31% | 18.13% | Beats 39% | 70 / 114 | |
| Total Risk-Based Capital Ratio | 13.39% | 12.01% | 14.43% | 19.39% | Beats 44% | 64 / 114 | |
| Equity / Assets | 10.30% | 8.52% | 10.22% | 11.94% | Beats 51% | 56 / 114 | |
| Liquidity & Funding |
| Loans / Deposits | 104.39% | 62.85% | 77.32% | 88.06% | 93rd pctl | 8 / 112 | |
| Loans / Assets | 89.88% | 55.01% | 66.35% | 75.50% | 96th pctl | 4 / 114 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |