GNB BANK

GRUNDY CENTER, IA | Medium | Est. March 16, 1934, midnight | FDIC #14079 | RSSD #724744 | FED
Latest Report: 2025-12-31

GNB BANK is amn medium FDIC-insured commercial bank headquartered in GRUNDY CENTER, IA, established in March 16, 1934, midnight. As of 2025-12-31, the bank reported total assets of $631M and total deposits of $495M. Profitability stands at 1.35% ROA and 11.11% ROE, with a net interest margin of 4.07%. The bank's CET1 capital ratio is 14.52%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.19% and a Texas Ratio of 6.52%. FDIC Certificate #14079.

Assets

$631M

Deposits

$495M

Loans

$458M

Equity

$77M

Profitability

Return on Assets (ROA) 1.35%
Return on Equity (ROE) 11.11%
Net Interest Margin (NIM) 4.07%
Yield on Assets 5.96%
Cost of Funds 2.02%

Asset Quality

NPL Ratio 1.19%
Net Charge-Off Ratio -0.05%
Texas Ratio 6.52%
NPA Ratio 0.86%
ACL / Loans 1.41%

Capital & Liquidity

CET1 Ratio 14.52%
Tier 1 Capital 14.52%
Total Capital Ratio 15.77%
Leverage Ratio 11.59%
Loan-to-Deposit 92.58%

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