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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Grundy Center, IA · FDIC certificate #14079
GNB BANK is an FDIC-insured institution based in Grundy Center, IA (FDIC certificate #14079). In its Q3 2026 Call Report it reported total assets of $599M, total deposits of $474M and net loans of $427M. Its primary federal regulator is FED.
Plain-language readout
GNB BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $621M in Q2 2026 and were lowest at $599M in Q3 2026.
Total deposits were highest at $515M in Q1 2026 and lowest at $474M in Q3 2026.
Over the whole period total assets fell 1.6%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $599M | $474M | $427M | 1.84% | 14.53% | 4.17% |
| Q2 2026 | $621M | $498M | $440M | 1.68% | 13.37% | 4.10% |
| Q1 2026 | $609M | $515M | $440M | 1.53% | 12.29% | 3.98% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $22.3M | $17.7M | +$4.5M | +25.6% |
| Federal funds sold | $172K | $106K | +$66K | +62.3% |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $117.0M | $112.1M | +$4.9M | +4.3% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $936K | $627K | +$309K | +49.3% |
| Net loans and leases (after allowance) | $439.6M | $439.1M | +$446K | +0.1% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $5.6M | $5.2M | +$419K | +8.1% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $7.1M | $7.0M | +$86K | +1.2% |
| All other assets | $28.8M | $27.4M | +$1.4M | +5.0% |
| Total assets | $621.3M | $609.2M | +$12.1M | +2.0% |
| Liabilities | ||||
| Total deposits | $498.0M | $514.5M | -$16.6M | -3.2% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $2.1M | $2.3M | -$250K | -10.7% |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $35.5M | $8.5M | +$27.0M | +316.0% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $6.6M | $6.6M | +$4K | +0.1% |
| Total liabilities | $542.1M | $532.0M | +$10.1M | +1.9% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $350K | $350K | $0K | 0.0% |
| Surplus | $29.6M | $29.6M | $0K | 0.0% |
| Retained earnings | $50.9M | $49.4M | +$1.5M | +3.1% |
| Accumulated other comprehensive income | -$1.7M | -$2.1M | +$418K | +20.2% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $79.2M | $77.3M | +$2.0M | +2.5% |
| Credit and capital | ||||
| Gross nonperforming assets | $2.8M | $3.8M | -$1.1M | -28.1% |
| Adjusted nonperforming assets | $2.8M | $3.8M | -$1.1M | -28.1% |
| Tangible equity plus allowance | $78.6M | $76.7M | +$1.9M | +2.5% |
| Texas ratio (gross) | 3.52% | 5.02% | -1.49 pts | See points |
| Texas ratio (adjusted) | 3.52% | 5.02% | -1.49 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 3.52% | 5.02% | -1.49 pts | See points |
| Tier 1 capital to risk-weighted assets | 15.45% | 15.22% | +0.23 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 15.45% | 15.22% | +0.23 pts | See points |
| Tier 2 capital to risk-weighted assets | 1.25% | 1.25% | -0.00 pts | See points |
| Total risk-based capital to risk-weighted assets | 16.70% | 16.47% | +0.23 pts | See points |
| Tier 1 leverage (approximate) | 12.22% | 11.80% | +0.42 pts | See points |
| Construction and land loans to total capital | 8.82% | 8.15% | +0.67 pts | See points |
| Commercial real estate to total capital | 59.09% | 57.81% | +1.28 pts | See points |
| Dividend payout, year to date | 49.07% | 53.12% | -4.05 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -2.30% | -2.95% | +0.65 pts | See points |
| Liquidity | ||||
| Core deposits | $404.9M | $409.6M | -$4.6M | -1.1% |
| Non-core funding | $130.6M | $115.8M | +$14.8M | +12.7% |
| Loans to core deposits | 110.14% | 108.79% | +1.36 pts | See points |
| Loans to deposits | 89.57% | 86.59% | +2.97 pts | See points |
| Brokered deposits share of deposits | 7.46% | 7.41% | +0.05 pts | See points |
| Pledged securities share of securities | 38.81% | 43.56% | -4.75 pts | See points |
| Loans pledged, share of loans | 54.53% | 59.12% | -4.59 pts | See points |
| Volatile liabilities | $132.1M | $116.8M | +$15.3M | +13.1% |
| Earnings | ||||
| Earnings before provision, year to date | $5.4M | $2.4M | +$2.9M | +119.9% |
| Earnings before provision, single quarter | $2.9M | $2.4M | +$486K | +19.9% |
| Provision for credit losses, year to date | $0K | $0K | $0K | n/a |
| Yield and cost | ||||
| Yield on loans and leases | 6.41% | 6.22% | +0.18 pts | See points |
| Yield on interest-bearing balances due from banks | 2.62% | 2.87% | -0.26 pts | See points |
| Total interest income to average assets | 5.47% | 5.28% | +0.20 pts | See points |
| Cost of interest-bearing transaction accounts | 1.19% | 1.01% | +0.18 pts | See points |
| Cost of savings and money market deposits | 1.09% | 1.00% | +0.10 pts | See points |
| Cost of time deposits | 3.47% | 3.53% | -0.06 pts | See points |
| Total interest expense to average assets | 1.58% | 1.64% | -0.06 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $599M | $474M | $427M | 1.84% | 14.53% | 4.17% |
| 2026-06-30 | $621M | $498M | $440M | 1.68% | 13.37% | 4.10% |
| 2026-03-31 | $609M | $515M | $440M | 1.53% | 12.29% | 3.98% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| IA | $498.2M | 0.39% | 52 | Continuing · -0.01 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.