| Metric | Grant County Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.9% | +3.0% | +2.9 pts |
| Deposit growth (YoY) | +6.7% | +2.5% | +4.2 pts |
| Loan growth (YoY) | -6.8% | +2.6% | -9.4 pts |
| ROA | -0.03% | 0.99% | -1.0 pts |
| ROE | -0.2% | 8.1% | -8.3 pts |
ROA ranks in the 13th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $58.4M | $49.2M | $10.3M | $8.9M | $-9K | -0.03% | 2.03% | 0.02% |
| Q1 2026 | $59.3M | $50.0M | $10.9M | $8.9M | $-11K | -0.07% | 1.92% | 0.10% |
| Q4 2025 | $62.8M | $53.6M | $10.9M | $8.9M | $-10K | -0.02% | 2.03% | 0.05% |
| Q3 2025 | $54.4M | $45.2M | $10.6M | $8.8M | $25K | 0.06% | 2.08% | 0.07% |
| Q2 2025 | $55.1M | $46.1M | $11.0M | $8.7M | $25K | 0.09% | 2.04% | 0.12% |
| Q1 2025 | $57.8M | $48.7M | $11.3M | $8.6M | $39K | 0.26% | 2.24% | 0.20% |
| Q4 2024 | $62.2M | $53.4M | $16.5M | $8.4M | $107K | 0.18% | 2.42% | 0.84% |
| Q3 2024 | $55.9M | $46.8M | $16.5M | $8.7M | $121K | 0.28% | 2.52% | 0.17% |
Loan mix (Q2 2026): real estate $3.4M · commercial $1.0M · consumer $1.7M · securities $26.2M
| Ratio | Grant County Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.03% | 0.99% | 13th | |
Return on equity Annualized net income ÷ equity or net worth | -0.2% | 8.1% | 13th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.03% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 101.4% | 70.8% | 89th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Grant County Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Grant County Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Grant County Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Grant County Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.