Grinnell 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.
Reserve coverage of non-performing loans climbed 59.36 percentage points in Q2 2026, from 163.24% to 222.60%. It was the largest change from Q1 2026 among the key lines here. Within Iowa, Grinnell State Bank is 154th of 225 on return on assets, 1.18% as of Q2 2026, below the middle of the field. Grinnell State Bank reported 1.18% on return on assets for Q2 2026, 0.07 points below the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 15.18% |
| Tier 1 risk-based capital ratio | 15.18% |
| Total risk-based capital ratio | 16.23% |
| Tier 1 leverage ratio | 11.90% |
| Equity capital to assets | 9.97% |
| Tangible equity to tangible assets | 9.97% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.47% |
| Non-performing assets ratio | 1.45% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 13.44% |
| Allowance for credit losses to loans | 1.05% |
| Reserve coverage of non-performing loans | 222.60% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.18% |
| Return on equity | 12.31% |
| Net interest margin | 3.65% |
| Efficiency ratio | 58.18% |
| Yield on earning assets | 5.80% |
| Cost of funds | 2.37% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 107.91% |
| Core deposits to total deposits | 86.49% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 69.51% |
| Securities to assets | 17.51% |
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 | 14.17% | 14.17% | 15.19% | 10.03% | 0.37% |
| Q4 2023 | 14.83% | 14.83% | 15.85% | 11.01% | 0.91% |
| Q1 2024 | 14.25% | 14.25% | 15.23% | 11.11% | 0.38% |
| Q2 2024 | 13.76% | 13.76% | 14.70% | 10.89% | 0.75% |
| Q3 2024 | 13.54% | 13.54% | 14.46% | 10.50% | 0.64% |
| Q4 2024 | 13.84% | 13.84% | 14.82% | 10.57% | 0.82% |
| Q1 2025 | 14.04% | 14.04% | 15.01% | 10.99% | 0.97% |
| Q2 2025 | 13.92% | 13.92% | 15.13% | 11.01% | 0.33% |
| Q3 2025 | 13.83% | 13.83% | 15.01% | 11.41% | 1.30% |
| Q4 2025 | 15.07% | 15.07% | 16.30% | 11.79% | 1.12% |
| Q1 2026 | 15.07% | 15.07% | 16.13% | 11.82% | 0.75% |
| Q2 2026 | 15.18% | 15.18% | 16.23% | 11.90% | 1.18% |
Grinnell State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Grinnell 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 Grinnell State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11347) · FFIEC NIC profile (RSSD 783246)