TellerScore

Headquartered in Grundy Center, Iowa, GNB Bank is a state-chartered bank (fed member) with $621.3M in total assets and $498.0M in deposits as of Q2 2026. It operates 10 offices. Its charter dates back to 1934.

GNB Bank has a TellerScore of 76 out of 100 (strong) based on Q2 2026 data — higher than 64% of its 2,650 banks with $100 million – $1 billion. Among 226 banks headquartered in Iowa, it ranks 87th. Problem-loan coverage contributes the most (94/100, 3.2%); funding & liquidity contributes the least (51/100, 88% loans-to-deposits, 34% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion72/100
Tier 1 leverage ratio: 12.22%
Loan quality79/100
Noncurrent loans ÷ total loans: 0.62%
Earnings87/100
Return on assets (annualized): 1.68%
Funding & liquidity51/100
Loans ÷ deposits and uninsured-deposit share: 88.5% · 34.1% uninsured
Problem-loan coverage94/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 3.23%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 14 points (62 → 76), mostly because the loan quality component improved by 25 points.

TellerScore
606876Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202470
Q3 202472
Q4 202473
Q1 202560
Q2 202562
Q3 202565
Q4 202566
Q1 202671
Q2 202676
Tier 1 leverage ratio
5.00%8.61%12.22%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.23%
Q3 202410.56%
Q4 202410.75%
Q1 202510.90%
Q2 202511.14%
Q3 202511.32%
Q4 202511.59%
Q1 202611.80%
Q2 202612.22%
Noncurrent loans
0.00%0.71%1.43%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.00%
Q3 20240.00%
Q4 20240.00%
Q1 20251.43%
Q2 20251.38%
Q3 20251.36%
Q4 20251.19%
Q1 20260.86%
Q2 20260.62%
Return on assets
0.98%1.33%1.68%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.98%
Q3 20241.12%
Q4 20241.14%
Q1 20251.13%
Q2 20251.33%
Q3 20251.52%
Q4 20251.48%
Q1 20261.53%
Q2 20261.68%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202676$621.3M12.22%0.62%1.68%88.5%
Q1 202671$609.2M11.80%0.86%1.53%85.5%
Q4 202566$630.7M11.59%1.19%1.48%91.3%
Q3 202565$625.4M11.32%1.36%1.52%87.3%
Q2 202562$626.8M11.14%1.38%1.33%89.7%
Q1 202560$609.5M10.90%1.43%1.13%85.8%
Q4 202473$629.3M10.75%0.00%1.14%87.7%
Q3 202472$630.0M10.56%0.00%1.12%85.8%
Q2 202470$620.6M10.23%0.00%0.98%86.3%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio12.22%
67th
Total risk-based capital16.70%
77th
Problem loans0.62%
41st
Net charge-offs-0.00%
76th
Return on assets1.68%
75th
Net interest margin4.10%
59th
Efficiency ratio63.2%
47th
Loans to deposits88.5%
30th
Uninsured deposits34.1%
19th
Loan-loss reserves1.44%
75th
Texas ratio3.2%
46th

Similar-size banks in Iowa

InstitutionScoreAssetsCapitalProblem loansCompare
South Story Bank & TrustBank Slater, IA57 out of 100, Moderate$623.9M10.9%0.78%vs
Liberty National BankBank Sioux City, IA71 out of 100, Strong$624.4M10.3%0.00%vs
Farmers Trust and Savings BankBank Spencer, IA57 out of 100, Moderate$618.0M9.5%1.45%vs
Farmers & Merchants Savings BankBank Manchester, IA61 out of 100, Moderate$616.8M12.4%1.70%vs
Marion County State BankBank Pella, IA75 out of 100, Strong$628.6M10.4%0.27%vs
Community Savings BankBank Edgewood, IA65 out of 100, Moderate$613.6M10.1%0.63%vs

Deposit insurance

Is my money safe at GNB Bank?

Yes. GNB Bank is an FDIC-insured institution (FDIC certificate #14079). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 34.1% of deposits ($169.7M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 12.22%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 16.70% (benchmark: 10%).

Check how much of your own balance is covered

10 locations

Branches

GNB Bank lists 7 offices in 7 cities. Most locations:

  • Ackley, IA (1)
  • Conrad, IA (1)
  • Grundy Center, IA (1)
  • Iowa Falls, IA (1)
  • Manchester, IA (1)
  • Marshalltown, IA (1)
  • Story City, IA (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, GNB Bank reported 137 home-loan applications under HMDA (LEI 25490072C0PMGDUJQU77): 107 originated ($30,015,000 total), 7 denied, and 22 withdrawn or closed by the applicant. Its denial rate on decided applications was 6.1%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
GNB Bank
Former names
The Grundy National Bank of Grundy Center
Type
State-chartered bank (Fed member)
FDIC certificate #
14079
RSSD ID
724744
Primary regulator
FED
Holding company
Gnb Bcorp
Established
March 16, 1934
Headquarters
529 G Ave, Grundy Center, IA 50638
Employees
96

Quick answers

GNB Bank: common questions

Is GNB Bank FDIC insured?

Yes. GNB Bank is an FDIC-insured institution (FDIC certificate #14079). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is GNB Bank's TellerScore?

76 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has GNB Bank ever failed?

There is no failure record for FDIC certificate #14079 in the FDIC failed bank list.

How many branches does GNB Bank have?

10 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Grundy Center

InstitutionScoreAssetsCapitalProblem loansCompare
Chelsea Savings BankBank Belle Plaine, IA93 out of 100, Very strong$196.9M16.0%0.24%vs
Cedar Rapids Bank and Trust CompanyBank Cedar Rapids, IA87 out of 100, Very strong$2.9B16.9%0.54%vs
Farmers Savings BankBank Marshalltown, IA85 out of 100, Very strong$140.3M16.5%0.57%vs
Farmers Savings Bank & TrustBank Traer, IA81 out of 100, Strong$212.7M10.3%0.00%vs
Cedar Falls Community Credit UnionCredit union Cedar Falls, IA80 out of 100, Strong$251.7M15.9%0.78%vs
Heartland Bank and Trust CompanyBank Bloomington, IL80 out of 100, Strong$6.7B11.9%0.19%vs