| Metric | Grant County Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.0% | +4.4% | -7.4 pts |
| Deposit growth (YoY) | +0.3% | +4.0% | -3.7 pts |
| Loan growth (YoY) | -1.3% | +5.6% | -6.9 pts |
| ROA | 1.79% | 1.24% | +0.5 pts |
| ROE | 15.0% | 11.9% | +3.1 pts |
ROA ranks in the 80th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $298.3M | $251.7M | $169.6M | $36.3M | $2.7M | 1.79% | 3.75% | 1.22% |
| Q1 2026 | $306.3M | $260.8M | $161.9M | $35.3M | $1.5M | 1.96% | 3.82% | 1.17% |
| Q4 2025 | $308.9M | $258.0M | $162.1M | $37.3M | $4.7M | 1.54% | 3.74% | 1.43% |
| Q3 2025 | $299.6M | $244.0M | $169.8M | $37.1M | $3.4M | 1.48% | 3.60% | 2.42% |
| Q2 2025 | $307.6M | $251.0M | $171.9M | $35.5M | $2.2M | 1.43% | 3.55% | 2.69% |
| Q1 2025 | $298.3M | $246.6M | $161.9M | $34.4M | $1.1M | 1.48% | 3.45% | 3.38% |
| Q4 2024 | $306.8M | $260.2M | $157.7M | $33.0M | $4.0M | 1.33% | 3.31% | 3.44% |
| Q3 2024 | $296.9M | $247.2M | $161.8M | $34.9M | $3.0M | 1.34% | 3.34% | 3.42% |
Loan mix (Q2 2026): real estate $140.2M · commercial $18.9M · consumer $8.2M · securities $108.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Grant County Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.79% | 1.24% | 80th | |
Return on equity Annualized net income ÷ equity or net worth | 15.0% | 11.9% | 68th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.75% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 58.6% | 62.9% | 37th |
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 |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 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.
2 branches in 2 counties across 1 state (+0 vs 2025) · $251.7M branch deposits. Biggest market: Grant, KS, ranked 1st with 63.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Grant, KS | 1 | $241.4M | 63.22% | 1st |
| Finney, KS | 1 | $10.2M | 0.78% | 11th |
Kansas: 103rd with 0.21% ·
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2
Technology spend in line with peers (18 bps of assets, 2025). Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).