GNB 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.
Reserve coverage of non-performing loans climbed 68.60 percentage points in Q2 2026, from 172.77% to 241.37%. It was the largest change from Q1 2026 among the key lines here. Within Iowa, GNB Bank is 42nd of 225 on return on assets, 1.84% as of Q2 2026, above the middle of the field. GNB Bank reported 1.84% on return on assets for Q2 2026, 0.59 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 15.45% |
| Tier 1 risk-based capital ratio | 15.45% |
| Total risk-based capital ratio | 16.70% |
| Tier 1 leverage ratio | 12.22% |
| Equity capital to assets | 12.75% |
| Tangible equity to tangible assets | 11.85% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.60% |
| Non-performing assets ratio | 0.43% |
| Net charge-off ratio | -0.01% |
| Texas ratio | 3.49% |
| Allowance for credit losses to loans | 1.44% |
| Reserve coverage of non-performing loans | 241.37% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.84% |
| Return on equity | 14.49% |
| Net interest margin | 4.22% |
| Efficiency ratio | 59.95% |
| Yield on earning assets | 5.90% |
| Cost of funds | 1.84% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 89.75% |
| Core deposits to total deposits | 81.32% |
| Brokered deposits to total deposits | 7.46% |
| Deposits to assets | 80.14% |
| Securities to assets | 18.83% |
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 | 13.19% | 13.19% | 14.41% | 9.95% | 1.61% |
| Q4 2023 | 12.33% | 12.33% | 13.48% | 9.91% | 1.17% |
| Q1 2024 | 12.36% | 12.36% | 13.48% | 10.08% | 0.83% |
| Q2 2024 | 13.53% | 13.53% | 14.67% | 10.23% | 1.13% |
| Q3 2024 | 12.83% | 12.83% | 13.88% | 10.56% | 1.43% |
| Q4 2024 | 13.84% | 13.84% | 15.00% | 10.75% | 1.21% |
| Q1 2025 | 13.17% | 13.17% | 14.42% | 10.90% | 1.13% |
| Q2 2025 | 13.94% | 13.94% | 15.19% | 11.14% | 1.54% |
| Q3 2025 | 13.63% | 13.63% | 14.88% | 11.32% | 1.90% |
| Q4 2025 | 14.52% | 14.52% | 15.77% | 11.59% | 1.35% |
| Q1 2026 | 15.22% | 15.22% | 16.47% | 11.80% | 1.52% |
| Q2 2026 | 15.45% | 15.45% | 16.70% | 12.22% | 1.84% |
GNB Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock GNB 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 GNB Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14079) · FFIEC NIC profile (RSSD 724744)