Glenwood State Bank (Incorporated): 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.
Reserve coverage of non-performing loans dropped 18.74 percentage points in Q2 2026, from 79.44% to 60.70%. It was the largest change from Q1 2026 among the key lines here. Within Minnesota, Glenwood State Bank (Incorporated) is 61st of 221 on return on assets, 1.75% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Glenwood State Bank (Incorporated) sits 0.50 points higher, at 1.75% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.14% |
| Tier 1 risk-based capital ratio | 12.14% |
| Total risk-based capital ratio | 13.39% |
| Tier 1 leverage ratio | 10.28% |
| Equity capital to assets | 10.30% |
| Tangible equity to tangible assets | 10.30% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.99% |
| Non-performing assets ratio | 1.79% |
| Net charge-off ratio | -0.02% |
| Texas ratio | 16.03% |
| Allowance for credit losses to loans | 1.21% |
| Reserve coverage of non-performing loans | 60.70% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.75% |
| Return on equity | 17.05% |
| Net interest margin | 3.95% |
| Efficiency ratio | 57.67% |
| Yield on earning assets | 6.08% |
| Cost of funds | 2.33% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 104.39% |
| Core deposits to total deposits | 88.70% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 86.10% |
| Securities to assets | 0.58% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 9.20% | 9.20% | 10.32% | 8.57% | 0.65% |
| Q4 2023 | 9.16% | 9.16% | 10.28% | 8.49% | 1.10% |
| Q1 2024 | 9.73% | 9.73% | 10.91% | 8.71% | 0.83% |
| Q2 2024 | 10.23% | 10.23% | 11.45% | 8.80% | 0.98% |
| Q3 2024 | 9.65% | 9.65% | 10.65% | 8.90% | 0.88% |
| Q4 2024 | 10.19% | 10.19% | 11.38% | 8.98% | 1.08% |
| Q1 2025 | 10.35% | 10.35% | 11.54% | 9.24% | 1.23% |
| Q2 2025 | 10.58% | 10.58% | 11.77% | 9.50% | 1.63% |
| Q3 2025 | 10.93% | 10.93% | 12.14% | 9.64% | 1.63% |
| Q4 2025 | 10.93% | 10.93% | 12.11% | 9.75% | 1.76% |
| Q1 2026 | 12.12% | 12.12% | 13.37% | 10.34% | 1.69% |
| Q2 2026 | 12.14% | 12.14% | 13.39% | 10.28% | 1.75% |
Glenwood State Bank (Incorporated) vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Glenwood State Bank (Incorporated), 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 (Incorporated) profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8853) · FFIEC NIC profile (RSSD 975854)