GNB Bank
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Data as of · sourced from FFIEC call reports. How we update
GNB Bank is an FDIC-insured commercial bank headquartered in Grundy Center, IA, established in 1934 (FDIC certificate 14079), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $621.3M, down 0.9% from Q2 2025, the 46th largest of 225 banks headquartered in Iowa. Its CET1 capital ratio was 15.45% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 14079
- Headquarters
- Grundy Center, IA
- Established
- 1934
- Total assets, Q2 2026
- $621.3M
- Assets vs Q2 2025
- -0.9%
- CET1 ratio, Q2 2026
- 15.45%
- Domestic offices
- 10 FDIC institution directory, current count
- Routing number
- 073905064
- Latest call report
- Q2 2026, FFIEC 051 · GNB Bank call report
- Holding company
- GNB BANCORPORATION
- Asset rank in state
- 46th of 225 in Iowa
GNB Bank, based in Grundy Center, Iowa, reported $621 million in assets at June 30, 2026. It shrank its loan book 1.4% over the year, lower than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 5.5%). It also earns about $1.84 a year on every $100 of assets, higher than about three-quarters of banks its size (median $1.28).
Problem loans roughly halved over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.62% of loans from 1.38%. Its $88 million commercial and industrial book is improving, with 2.96% past due or on nonaccrual, down from 6.20% a year earlier.
As of June 30, 2026, GNB Bank reported a CET1 capital ratio of 15.45%, a return on assets of 1.84%, a nonperforming-loan ratio of 0.62% and a Texas ratio of 3.49%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, GNB Bank is the 46th largest of the 225 banks headquartered in Iowa. Between Q1 2026 and Q2 2026, its total assets rose 2.0% to $621.3M, loans rose 0.2% and deposits fell 3.2%. Agricultural production loans made up 25.3% of its total loans on June 30, 2026, its largest category; next came commercial and industrial loans at 19.6%. The FDIC Summary of Deposits lists 9 offices for it, in 7 cities in IA; its Grundy Center 2 offices book 36% of its branch deposits. On its Q2 2026 call report, GNB Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 529 G Ave, Grundy Center, IA 50638
- County
- Grundy
- Metro Area
- Waterloo-Cedar Falls, IA
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- March 16, 1934
- Domestic offices
- 10 FDIC institution directory, current count
- Employees (FTE)
- 96
- Domestic deposits
- $498.0M
- Allowance for credit losses
- $6.4M
- Net charge-offs (YTD)
- -$1K
- Average total assets
- $615.9M
- Average total loans
- $448.4M
- Average interest-bearing deposits
- $415.9M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- March 16, 1934
- FDIC Cert
- 14079
- Fed RSSD
- 724744
- SEC CIK
- 1378618 → filed by GNB BANCORPORATION
- Website
- www.gnbbank.com →
- Parent Holding Company
- GNB BANCORPORATION (RSSD 1205950)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, GNB Bank's total assets ran between $609.2M (Q1 2026) and $651.0M (Q4 2023), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$621.3M total assets against $626.8M; $542.1M total liabilities against $554.8M.
$440.5M net loans and leases against $447.1M; $498.0M total deposits against $498.2M.
$117.0M securities against $120.7M; $22.4M cash and balances due against $18.2M.
$8.4M total interest income against $8.5M; $2.4M total interest expense against $2.7M.
$6.0M net interest income against $5.7M.
$1.5M total noninterest income against $1.3M; $4.5M total noninterest expense against $4.6M.
$0 provision for credit losses against $0.
$2.8M net income against $2.4M.
1.84% return on assets against 1.54%; 4.22% net interest margin against 3.95%.
15.45% CET1 capital ratio against 13.94%; 12.22% tier 1 leverage ratio against 11.14%.
Inside the full GNB Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeGNB Bank rankings
Its closest position to the top of a national ranking is 685 of 3,611, for ROA; its furthest is 1,824 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.13% (Q1 2025) to 1.90% (Q3 2025) and its net interest margin ran from 3.49% (Q3 2024) to 4.22% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.45% | 1.84% | 0.62% | 3.49% | 4.22% |
| Q1 2026 | 15.22% | 1.52% | 0.86% | 4.98% | 3.91% |
| Q4 2025 | 14.52% | 1.35% | 1.19% | 7.06% | 4.05% |
| Q3 2025 | 13.63% | 1.90% | 1.36% | 8.23% | 3.95% |
| Q2 2025 | 13.94% | 1.54% | 1.38% | 8.68% | 3.95% |
| Q1 2025 | 13.17% | 1.13% | 1.43% | 9.03% | 3.65% |
| Q4 2024 | 13.84% | 1.21% | 0.00% | 0.00% | 3.63% |
| Q3 2024 | 12.83% | 1.43% | 0.00% | 0.00% | 3.49% |
Swipe the table sideways to see every column.
Branch Network
View all 9 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| GNB Bank (main office) | Grundy Center , IA | 50638 | $178.2M |
| Gnb Manchester Branch | Manchester , IA | 52057 | $115.4M |
| Ackley Branch | Ackley , IA | 50601 | $60.7M |
| Marshalltown Branch | Marshalltown , IA | 50158 | $47.1M |
| Story City Office | Story City , IA | 50248 | $36.9M |
| Iowa Falls Downtown Branch | Iowa Falls , IA | 50126 | $34.9M |
| Conrad Office Branch | Conrad , IA | 50621 | $24.9M |
| Timberland Village Branch | Story City , IA | 50248 | $0 |
| Insurance & Investments | Grundy Center , IA | 50638 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| January 1, 2016 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2016 | Structure Change | Acquired Ackley State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 2015 | Structure Change | Acquired GNB Insurance Group Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 3, 2012 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 3, 2012 | Structure Change | Acquired First State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 25, 1994 | Structure Change | Acquired United Federal Savings Association of Iowa Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| July 1, 1987 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 1987 | Structure Change | Acquired Hawkeye Bank & Trust Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 8 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.4% of deposits in IA, rank 55 of 261 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 140 applications, 107 loans originated, $30.0M originated, across 5 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $351K approved, $351K average. 100.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2014 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about GNB Bank
What are GNB Bank's total assets?
As of the Q2 2026 filing, GNB Bank reported total assets of $621.3 million in its FFIEC call report.
Where is GNB Bank headquartered?
It is headquartered in Grundy Center, IA, United States.
When was GNB Bank founded?
It was established in 1934, per the FDIC institution directory.
Is GNB Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #14079). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates GNB Bank?
GNB Bank's primary federal regulator is the Federal Reserve.
What is GNB Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 15.45% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does GNB Bank operate?
It operates 10 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is GNB Bank's Texas Ratio?
Its Texas Ratio is 3.49% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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