Grinnell State Bank (FDIC #11347): Bank Stress & Real-Estate Credit Exposure
Grinnell State Bank (FDIC Cert #11347): bank stress 71/100, elevated, STABLE over 7 days; parent GRINNELL BANCSHARES INC.
Grinnell State Bank (#11347) lends in 3 counties across 1 state; Grinnell State Bank (#11347) reaches 76 ZIP codes: Iowa 3 counties, 76 ZIPs.
Grinnell State Bank (#11347) largest markets: Polk County, IA (84 branches, 42 ZIPs) (#11347), Iowa County, IA (21 branches, 21 ZIPs) (#11347), Poweshiek County, IA (17 branches, 17 ZIPs) (#11347).
Grinnell State Bank (#11347) reports $498.6 million in total assets; Grinnell State Bank (#11347) equity $49.7 million (10.0% of Grinnell State Bank (#11347) assets); Grinnell State Bank (#11347) domestic deposits $346.6 million; Grinnell State Bank (#11347) net income $2.5 million; Grinnell State Bank (#11347) return on assets 0.98%; Grinnell State Bank (#11347) return on equity 10.07%; Grinnell State Bank (#11347) net interest income $8.5 million; Grinnell State Bank (#11347) call report June 30, 2026.
Grinnell State Bank (#11347) noncurrent real-estate loans 0.58% of its book; Grinnell State Bank (#11347) residential 0.78%; Grinnell State Bank (#11347) net charge-offs on real estate 0.07%; Grinnell State Bank (#11347) residential charge-offs 0.10%.
Grinnell State Bank (#11347) net interest margin 3.63% against an eight-quarter Grinnell State Bank (#11347) average of 3.22% (Grinnell State Bank (#11347) compression -0.41 points); Grinnell State Bank (#11347) real-estate loans 57.6% of equity; Grinnell State Bank (#11347) non-residential real estate 10.2% of equity; Grinnell State Bank (#11347) rate-exposure score 40/100, Grinnell State Bank (#11347) fixed-rate trap 40/100; Grinnell State Bank (#11347) risk type credit driven; Grinnell State Bank (#11347) rate regime rates elevated, Grinnell State Bank (#11347) snapshot October 19, 2026.
Grinnell State Bank (#11347) stress score moved from 74.7 on June 22, 2026 to 71 on October 20, 2026; Grinnell State Bank (#11347) ranged 71 to 74.7 over 117 snapshots.
Grinnell State Bank (#11347) alerts: 3 counties; top Grinnell State Bank (#11347) alert scores: Grinnell County, IA 23 (low); Marengo County, IA 23 (low); Polk City County, IA 23 (low).