GNB Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks GNB Bank of Grundy Center, IA against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.84% | 1.35% | +0.49% | 80th top |
| ROAE | 14.49% | 12.05% | +2.44% | 63rd above |
| Net Interest Margin | 4.22% | 3.90% | +0.32% | 66th above |
| Efficiency Ratio | 59.95% | 63.15% | -3.20% | 54th above |
| PPNR / Avg Assets | 1.90% | 1.64% | +0.26% | 68th above |
| Yield on Earning Assets | 5.90% | 5.65% | +0.25% | 64th above |
| Cost of Funds Ahead of the peer average, behind the median peer. | 1.84% | 1.85% | -0.01% | 47th below |
| Net Interest Spread | 3.72% | 3.35% | +0.37% | 71st above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.60% | 0.92% | -0.32% | 41st below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.43% | 0.67% | -0.24% | 42nd below |
| NCO / Avg Loans | -0.01% | 0.15% | -0.16% | 83rd top |
| ACL / Total Loans | 1.44% | 1.28% | +0.16% | 74th above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 241.37% | 1645.74% | -1404.37% | 53rd above |
| Texas Ratio | 3.49% | 7.15% | -3.66% | 50th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 15.45% | 20.83% | -5.38% | 53rd above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 15.45% | 20.86% | -5.41% | 53rd above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 16.70% | 21.94% | -5.24% | 54th above |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 12.22% | 12.46% | -0.24% | 67th above |
| Equity / Assets | 12.75% | 11.67% | +1.08% | 77th top |
| TCE / Tangible Assets | 11.85% | 11.40% | +0.45% | 72nd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 89.75% | 78.64% | +11.11% | 29th below |
| Core Deposit Ratio | 81.32% | 87.10% | -5.78% | 19th bottom |
| Wholesale Funding Ratio | 6.05% | 5.11% | +0.94% | 31st below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -0.87% | 6.48% | -7.35% | 15th bottom |
| Loan Growth (Y/Y) | -1.45% | 7.64% | -9.09% | 17th bottom |
| Deposit Growth (Y/Y) | -0.06% | 6.03% | -6.09% | 23rd bottom |
See GNB Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock GNB Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full GNB Bank profile, how to read a UBPR, or how this data updates.