No peer data.
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $498.6M | $346.6M | $370.0M | $49.7M | $2.5M | 0.98% | 3.63% | 1.45% |
| Q1 2026 | $496.8M | $351.8M | $361.2M | $48.3M | $944K | 0.76% | 3.44% | 1.61% |
| Q4 2025 | $500.3M | $347.9M | $356.0M | $48.1M | $4.7M | 0.95% | 3.41% | 1.54% |
| Q3 2025 | $483.0M | $320.1M | $362.6M | $46.3M | $3.3M | 0.89% | 3.37% | 1.65% |
| Q2 2025 | $500.0M | $333.6M | $373.2M | $43.4M | $1.7M | 0.66% | 3.27% | 1.64% |
| Q1 2025 | $505.2M | $342.9M | $381.3M | $42.7M | $1.2M | 0.99% | 3.23% | 1.34% |
| Q4 2024 | $493.0M | $333.9M | $373.0M | $40.2M | $3.3M | 0.67% | 2.75% | 1.39% |
| Q3 2024 | $508.3M | $344.3M | $374.6M | $42.6M | $2.2M | 0.61% | 2.66% | 1.33% |
Loan mix (Q2 2026): real estate $320.3M · commercial $20.9M · consumer $926K · securities $87.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Grinnell State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.98% | 1.24% | 34th | |
Return on equity Annualized net income ÷ equity or net worth | 10.1% | 11.9% | 39th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.63% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 60.8% | 62.9% | 44th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Grinnell State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Grinnell State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Grinnell State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Grinnell State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.