Glenwood State Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 29.20 percentage points higher than in Q1 2026, at 221.03%. On return on assets, Glenwood State Bank ranks 12th highest among the 225 banks headquartered in Iowa, at 2.31% (Q2 2026). Against a median of 1.25% for banks in the $100M-1B asset tier, Glenwood State Bank reported 2.31% on return on assets in Q2 2026, 1.06 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 12.45% |
| Equity capital to assets | 12.27% |
| Tangible equity to tangible assets | 12.27% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.50% |
| Non-performing assets ratio | 0.24% |
| Net charge-off ratio | -0.27% |
| Texas ratio | 5.57% |
| Allowance for credit losses to loans | 1.11% |
| Reserve coverage of non-performing loans | 221.03% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.31% |
| Return on equity | 19.22% |
| Net interest margin | 4.15% |
| Efficiency ratio | 37.33% |
| Yield on earning assets | 5.47% |
| Cost of funds | 1.45% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 54.00% |
| Core deposits to total deposits | 95.20% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 87.20% |
| Securities to assets | 41.27% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 10.57% | 0.52% | 2.25% | 2.06% | 0.00% |
| Q4 2023 | 10.70% | -0.01% | 2.54% | 1.84% | 0.02% |
| Q1 2024 | 10.72% | 1.05% | 2.71% | 1.75% | -0.00% |
| Q2 2024 | 10.91% | 0.94% | 3.02% | 1.66% | 0.15% |
| Q3 2024 | 11.16% | 1.10% | 3.25% | 1.71% | 0.00% |
| Q4 2024 | 11.04% | 0.52% | 3.66% | 1.61% | -0.08% |
| Q1 2025 | 11.40% | 1.38% | 3.48% | 1.78% | -0.00% |
| Q2 2025 | 11.60% | 1.54% | 3.79% | 1.76% | -0.00% |
| Q3 2025 | 11.85% | 0.44% | 4.03% | 0.68% | 3.94% |
| Q4 2025 | 11.71% | 1.50% | 4.09% | 0.67% | 0.15% |
| Q1 2026 | 12.21% | 3.10% | 3.96% | 0.54% | 0.74% |
| Q2 2026 | 12.45% | 2.31% | 4.15% | 0.50% | -0.27% |
Glenwood State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Glenwood State Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Glenwood State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 956) · FFIEC NIC profile (RSSD 566243)