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Grant County Bank

$100M-$1B Specialty: Other KS FDIC cert 10918

Ulysses, KS

2 branches across KS

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 117 in KS.
  • Deposits +0.3% year over year ($251.7M on the books).
  • Delinquency rate 2.12%.
  • Return on assets 1.79%.
  • Efficiency ratio 58.57% vs a 64.48% peer average.
  • Loan-to-deposit ratio 67.40% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 117 in KS
View $100M-$1B leaderboard (KS) →

Grant County Bank has 3 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Revenue Diversifier: Top 24.2% in tier
  • + Profitability Leader: Top 46.9% in tier
  • + Efficiency Ratio 5.91% below tier average

Key Concerns

Areas that may need attention

  • - Net Interest Margin 0.24% below tier average
  • - Delinquency Rate 1.20% above tier average
Get updates when Grant County Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Total Assets ? $298.3M
-3.0% YoY -2.6% QoQ
-$88.2M $386.6M
+1.2% YoY
$513.9M
+7.1% YoY
$6.3B
+7.7% YoY
46%
Total Loans ? $169.6M
-1.3% YoY +4.7% QoQ
-$88.7M $258.3M
+1.7% YoY
$343.7M
+7.8% YoY
$3.2B
+9.4% YoY
41%
Total Deposits ? $251.7M
+0.3% YoY -3.5% QoQ
-$75.1M $326.7M
+0.7% YoY
$426.3M
+7.4% YoY
$4.9B
+7.3% YoY
45%
Return on Assets ? 1.79%
+25.0% YoY -8.7% QoQ
+0.46% 1.32%
+10.8% YoY
1.56%
+14.6% YoY
1.30%
+12.1% YoY
80%
Net Interest Margin ? 3.75%
+5.5% YoY -2.0% QoQ
-0.24% 3.99%
+5.0% YoY
3.99%
+4.5% YoY
3.95%
+4.9% YoY
39%
Efficiency Ratio ? 58.57%
-7.5% YoY +6.8% QoQ
-5.91% 64.48%
-3.2% YoY
60.13%
-4.7% YoY
70.05%
+2.5% YoY
61%
Delinquency Rate ? 2.12%
-56.1% YoY -4.5% QoQ
+1.20% 0.92%
+15.7% YoY
0.82%
+9.9% YoY
0.98%
+16.3% YoY
Bottom 11.8% in tier
Loan-to-Deposit Ratio ? 67.40%
-1.6% YoY +8.5% QoQ
-10.55% 77.95%
+1.0% YoY
72.94%
+0.4% YoY
79.03%
+2.3% YoY
73%
Non-Interest-Bearing Deposit Share ? 11.00%
-4.0% YoY -3.7% QoQ
-11.03% 22.03%
-0.6% YoY
22.01%
-1.4% YoY
21.98%
-0.6% YoY
Bottom 12.7% in tier
Nonperforming Asset Ratio ? 1.22%
-54.7% YoY +4.0% QoQ
+0.55% 0.67%
+16.4% YoY
0.53%
+8.8% YoY
0.69%
+15.8% YoY
16%
Tier 1 Capital Ratio ? 13.32%
+0.7% YoY +5.1% QoQ
-2.58% 15.91%
+1.4% YoY
17.75%
-1.2% YoY
17.09%
+0.8% YoY
51%
Non-Interest Income / Assets ? 0.58%
+14.6% YoY +94.6% QoQ
+0.02% 0.57%
+7.6% YoY
0.59%
-1.1% YoY
0.66%
+5.2% YoY
Top 7.0% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Noninterest-Bearing 11.0%
-0.5pp YoY
-0.4pp QoQ
 -11.1pp 22.1% 22.3% 22.2% 12%
Brokered Deposits 12.3%
-5.2pp YoY
-1.7pp QoQ
 +4.5pp 7.9% 8.7% 8.5% 80%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
C&I 11.1%
+0.7pp YoY
+0.4pp QoQ
 -0.4pp 11.6% 12.6% 12.5% 59%
CRE 19.4%
+0.6pp QoQ
 -20.2pp 39.5% 28.8% 41.4% 17%
1-4 Family 43.6%
+0.8pp YoY
-1.3pp QoQ
 +10.9pp 32.6% 26.7% 31.3% 75%
Consumer 4.8%
+0.3pp YoY
-0.2pp QoQ
 +0.7pp 4.1% 4.6% 5.0% 76%

Capital

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 23.3% 19.7% n/a
Leverage Ratio 13.3%
+0.1pp YoY
+0.6pp QoQ
 +1.2pp 12.2% 12.6% 12.6% 77%
Total Capital Ratio n/a n/a 19.9% 24.4% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Full-Time Employees 54
+2 (+3.8%) YoY
0 QoQ
 -5 58 70 482 57%
Assets per Employee ($) $5.5M
-6.6% YoY
-2.6% QoQ
 -$2.0M $7.5M $7.1M $8.8M 23%
Branch Count 2
0 YoY
0 QoQ
 -3 4 6 18 11%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Past Due 90+ Days 0.1%
-0.1pp YoY
+0.1pp QoQ
 -0.2pp 0.3% 0.4% 0.4% 55%
Nonaccrual 2.0%
-2.6pp YoY
-0.2pp QoQ
 +1.1pp 0.9% 0.8% 1.0% 87%
Allowance Coverage 1.11x
+201.0% YoY
+0.6% QoQ
 -23.04x 24.15x 22.44x 20.23x 30%
Net Charge-off Rate (YTD) -0.6%
-0.6pp YoY
+0.6pp QoQ
 -0.7pp 0.1% 0.1% 0.2% 1%

Profitability

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
ROE 15.0%
+2.3pp YoY
-1.6pp QoQ
 +2.8pp 12.2% 14.3% 11.6% 68%
Cost of Funds (YTD) 1.8%
-0.1pp YoY
0.0pp QoQ
 +0.1pp 1.7% 1.6% 1.7% 60%
Net Income ($, YTD) $2.7M
+25.1% YoY
— QoQ
 +$166K $2.6M $3.7M $40.4M 66%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (2)

Revenue Diversifier

growth
#161 of 661 • Top 24.2% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 0.58%
(Tier: 0.57%, National: 0.66%)
better than tier avg
Return on Assets: 1.79%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

Profitability Leader

growth
#311 of 661 • Top 46.9% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 1.79%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (2 metrics)

187
Non-Interest Income / Assets
revenue_mix
Value: 0.58%
Peer Median: 0.57%
#187 of 2643 Top 7.0% in $100M-$1B
541
Return on Assets
profitability
Value: 1.79%
Peer Median: 1.32%
#541 of 2643 Top 20.4% in $100M-$1B

Top Weaknesses (3 metrics)

2324
Delinquency Rate
credit_quality
Value: 2.12%
Peer Median: 0.92%
#2324 of 2633 Bottom 11.8% in $100M-$1B
2309
Non-Interest-Bearing Deposit Share
funding
Value: 11.00%
Peer Median: 22.03%
#2309 of 2643 Bottom 12.7% in $100M-$1B
2219
Nonperforming Asset Ratio
credit_quality
Value: 1.22%
Peer Median: 0.67%
#2219 of 2643 Bottom 16.1% in $100M-$1B
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