GRINNELL STATE BANK

GRINNELL, IA | Medium | Est. Oct. 25, 1925, midnight | FDIC #11347 | RSSD #783246 | FDIC
Latest Report: 2025-12-31

GRINNELL STATE BANK is amn medium FDIC-insured commercial bank headquartered in GRINNELL, IA, established in Oct. 25, 1925, midnight. As of 2025-12-31, the bank reported total assets of $500M and total deposits of $348M. Profitability stands at 1.13% ROA and 11.82% ROE, with a net interest margin of 3.66%. The bank's CET1 capital ratio is 15.07%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.52% and a Texas Ratio of 14.53%. FDIC Certificate #11347.

Assets

$500M

Deposits

$348M

Loans

$361M

Equity

$48M

Profitability

Return on Assets (ROA) 1.13%
Return on Equity (ROE) 11.82%
Net Interest Margin (NIM) 3.66%
Yield on Assets 6.17%
Cost of Funds 2.69%

Asset Quality

NPL Ratio 1.52%
Net Charge-Off Ratio 0.02%
Texas Ratio 14.53%
NPA Ratio 1.54%
ACL / Loans 1.34%

Capital & Liquidity

CET1 Ratio 15.07%
Tier 1 Capital 15.07%
Total Capital Ratio 16.30%
Leverage Ratio 11.79%
Loan-to-Deposit 103.70%

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