TellerScore

Green Belt Bank & Trust is a state-chartered bank headquartered in Iowa Falls, Iowa, in business for about 40 years. At the end of Q2 2026 it reported $758.7M in total assets and $676.6M in deposits, with 9 offices.

Green Belt Bank & Trust has a TellerScore of 71 out of 100 (strong) based on Q2 2026 data — higher than only 47% of its 2,650 banks with $100 million – $1 billion. Among 226 banks headquartered in Iowa, it ranks 121st. Loan quality contributes the most (99/100, 0.04%); funding & liquidity contributes the least (41/100, 93% loans-to-deposits, 39% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion42/100
Tier 1 leverage ratio: 9.18%
Loan quality99/100
Noncurrent loans ÷ total loans: 0.04%
Earnings89/100
Return on assets (annualized): 1.73%
Funding & liquidity41/100
Loans ÷ deposits and uninsured-deposit share: 92.9% · 38.8% uninsured
Problem-loan coverage99/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.29%

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 2 points (69 → 71), mostly because the earnings component improved by 9 points.

TellerScore
646871Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202465
Q3 202466
Q4 202464
Q1 202566
Q2 202569
Q3 202571
Q4 202567
Q1 202669
Q2 202671
Tier 1 leverage ratio
5.00%7.09%9.18%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.96%
Q3 20249.15%
Q4 20248.94%
Q1 20258.84%
Q2 20258.99%
Q3 20259.17%
Q4 20258.98%
Q1 20269.07%
Q2 20269.18%
Noncurrent loans
0.02%0.11%0.20%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.11%
Q3 20240.11%
Q4 20240.16%
Q1 20250.15%
Q2 20250.02%
Q3 20250.04%
Q4 20250.18%
Q1 20260.20%
Q2 20260.04%
Return on assets
1.09%1.41%1.73%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.12%
Q3 20241.17%
Q4 20241.09%
Q1 20251.39%
Q2 20251.50%
Q3 20251.57%
Q4 20251.41%
Q1 20261.70%
Q2 20261.73%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202671$758.7M9.18%0.04%1.73%92.9%
Q1 202669$772.0M9.07%0.20%1.70%90.9%
Q4 202567$740.2M8.98%0.18%1.41%94.6%
Q3 202571$735.2M9.17%0.04%1.57%90.0%
Q2 202569$712.0M8.99%0.02%1.50%94.9%
Q1 202566$726.2M8.84%0.15%1.39%93.3%
Q4 202464$709.8M8.94%0.16%1.09%95.7%
Q3 202466$674.7M9.15%0.11%1.17%95.0%
Q2 202465$681.0M8.96%0.11%1.12%95.0%

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 ratio9.18%
15th
Total risk-based capital11.38%
50th
Problem loans0.04%
81st
Net charge-offs-0.02%
93rd
Return on assets1.73%
77th
Net interest margin3.39%
23rd
Efficiency ratio52.5%
78th
Loans to deposits92.9%
21st
Uninsured deposits38.8%
11th
Loan-loss reserves1.40%
72nd
Texas ratio0.3%
81st

Similar-size banks in Iowa

InstitutionScoreAssetsCapitalProblem loansCompare
Midwest Heritage Bank, FSBBank West Des Moines, IA68 out of 100, Moderate$768.3M12.8%1.78%vs
First Central State BankBank Dewitt, IA83 out of 100, Strong$772.4M13.4%0.21%vs
First BankBank Waverly, IA78 out of 100, Strong$739.9M12.7%0.54%vs
Manufacturers Bank & Trust CompanyBank Forest City, IA68 out of 100, Moderate$738.2M10.4%0.94%vs
City State BankBank Norwalk, IA72 out of 100, Strong$787.9M9.4%0.27%vs
Decorah Bank & Trust CompanyBank Decorah, IA74 out of 100, Strong$794.1M10.4%0.49%vs

Deposit insurance

Is my money safe at Green Belt Bank & Trust?

Yes. Green Belt Bank & Trust is an FDIC-insured institution (FDIC certificate #26760). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 38.8% of deposits ($262.7M) 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 9.18%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 11.38% (benchmark: 10%).

Check how much of your own balance is covered

9 locations

Branches

Green Belt Bank & Trust lists 6 offices in 6 cities. Most locations:

  • Ackley, IA (1)
  • Belmond, IA (1)
  • Eldora, IA (1)
  • Grundy Center, IA (1)
  • Iowa Falls, IA (1)
  • Parkersburg, IA (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Green Belt Bank & Trust reported 81 home-loan applications under HMDA (LEI 549300JGL6C3EZEB8H05): 73 originated ($9,015,000 total), 6 denied, and 2 withdrawn or closed by the applicant. Its denial rate on decided applications was 7.6%, 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
Green Belt Bank & Trust
Type
State-chartered bank
FDIC certificate #
26760
RSSD ID
803649
Primary regulator
FDIC
Holding company
Green Belt Bcorp
Established
July 31, 1986
Headquarters
616 Washington Ave, Iowa Falls, IA 50126
Employees
91

Quick answers

Green Belt Bank & Trust: common questions

Is Green Belt Bank & Trust FDIC insured?

Yes. Green Belt Bank & Trust is an FDIC-insured institution (FDIC certificate #26760). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Green Belt Bank & Trust's TellerScore?

71 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 Green Belt Bank & Trust ever failed?

There is no failure record for FDIC certificate #26760 in the FDIC failed bank list.

How many branches does Green Belt Bank & Trust have?

9 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Iowa Falls

InstitutionScoreAssetsCapitalProblem loansCompare
United Bank and Trust CompanyBank Hampton, IA97 out of 100, Very strong$228.4M14.8%0.00%vs
First State BankBank Webster City, IA81 out of 100, Strong$674.3M12.4%0.12%vs
GNB BankBank Grundy Center, IA76 out of 100, Strong$621.3M12.2%0.62%vs
First Bank HamptonBank Hampton, IA74 out of 100, Strong$240.9M11.6%0.65%vs
Iowa Falls State BankBank Iowa Falls, IA71 out of 100, Strong$201.5M8.6%0.25%vs
First Security Bank and Trust CompanyBank Charles City, IA68 out of 100, Moderate$538.2M10.0%0.27%vs