PackageTrendsPeer
Letter portraitLegal landscape

Grant County Bank

Ulysses, KS · Cert 10918 · Resource One Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in KS3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in KS (n=98). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

52

Q2 2024Q2 2026peer median (50)

Asset Quality

24

Q2 2024Q2 2026peer median (50)

Profitability

60

Q2 2024Q2 2026peer median (50)

Liquidity

97

Q2 2024Q2 2026peer median

Efficiency

52

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Grant County Bank

Ulysses, KS · Cert 10918 · Resource One Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$298.4MAssets
$173.6MLoans
$251.7MDeposits
$36.4MEquity
Loan mix
84%RE $135.3M11%C&I $17.3M5%Consumer $8.2MQ3 2024Q2 2026
Deposit mix
89%Interest-bearing $224.0M11%Noninterest $27.7MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.49%, up 32 bps year over year; NIM at 3.56%.
  • Asset quality: problem loans at 2.07% of loans (-267 bps YoY), with net recoveries of 0.55%.
  • Capital: tier 1 leverage ratio of 13.34%, up 11 bps from a year ago.
  • Funding: loans stand at 68.98% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.49%+32 bps YoY

Net Interest Margin (YTD, annualized)

3.56%+27 bps YoY

Efficiency Ratio (YTD, annualized)

58.57%-478 bps YoY

Tier 1 Leverage Ratio

13.34%+11 bps YoY

NIM

5.32%Q2 ’245.05%Q2 ’255.31%Q2 ’26-3%+8%

Non-interest income vs. expense

2.74%Q2 ’242.73%Q2 ’252.76%Q2 ’26+1%-6%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.10%1.09%1.22%1.17%1.21%1.26%1.61%1.49%+32 bps
Return on Equity10.20%10.13%10.95%10.40%10.51%10.78%13.63%12.52%+212 bps
Net Interest Margin3.20%3.04%3.21%3.29%3.38%3.46%3.55%3.56%+27 bps
Efficiency Ratio64.04%64.24%63.10%63.35%63.06%61.55%54.86%58.57%-478 bps
Non-Interest Burden1.69%1.62%1.61%1.71%1.75%1.74%1.41%1.61%-10 bps
Growth
Asset Growth (YoY)7.02%-0.11%0.62%3.84%0.92%0.69%2.67%-3.01%-685 bps
Loan Growth (YoY)7.85%5.50%6.97%8.30%4.92%3.00%0.61%-0.75%-905 bps
Deposit Growth (YoY)4.46%-1.84%-2.64%-0.38%-1.29%-0.84%5.73%0.26%+65 bps
Asset Quality
Nonperforming Loans / Loans6.16%6.57%6.11%4.73%4.19%2.67%2.16%2.07%-267 bps
Net Charge-Offs / Loans0.79%0.61%0.03%0.04%0.02%-0.17%-1.15%-0.55%-59 bps
Allowance / Loans1.81%1.87%1.84%1.75%1.79%2.08%2.39%2.28%+53 bps
Allowance Coverage of NPLs0.3x0.3x0.3x0.4x0.4x0.8x1.1x1.1x+0.7x
Capital
Tier 1 Leverage Ratio13.57%12.97%13.24%13.24%13.66%13.24%12.68%13.34%+11 bps
Total Risk-Based Capital13.57%12.97%13.24%13.24%13.66%13.24%12.68%13.34%+11 bps
Equity / Assets11.76%10.75%11.55%11.55%12.39%12.07%11.52%12.20%+65 bps
Liquidity & Funding
Loans / Deposits66.65%61.76%66.86%69.69%70.85%64.15%63.62%68.98%-70 bps
Liquid Assets / Assets1.88%3.56%1.03%0.51%0.73%5.20%6.48%0.73%+22 bps
CRE / Total Capitaln/an/an/an/a74.04%73.91%76.62%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Grant County Bank

Ulysses, KS · Cert 10918 · Peer group: banks under $1B in assets in KS (n=98) · Resource One Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$298.4MAssets
$173.6MLoans
$251.7MDeposits
$36.4MEquity

Executive Summary

  • Strongest standing: return on assets outperforms 71% of banks under $1B in assets in KS (rank 28 of 98).
  • Widest gap: nonperforming loans / loans trails 87% of banks under $1B in assets in KS (rank 86 of 98).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.52%

Rank 28 of 98

Net Interest Margin

3.56%

Rank 53 of 98

Efficiency Ratio

58.57%

Rank 48 of 98

Equity / Assets

12.20%

Rank 35 of 98

Non-interest income vs. expense

$3.5M$8.3MINCOMEEXPENSE
Unfavorable gap of $4.9M · efficiency ratio beats 52% of banks under $1B in assets in KS
Bank 58.57%Peer median 58.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.52%1.03%1.24%1.54%Beats 71%28 / 98
Return on Equity12.49%8.85%11.58%14.73%Beats 62%37 / 98
Net Interest Margin3.56%3.24%3.62%3.91%Beats 46%53 / 98
Efficiency Ratio58.57%51.87%58.88%64.74%Beats 52%48 / 98
Asset Quality
Nonperforming Loans / Loans2.07%0.01%0.33%1.05%Beats 13%86 / 98
Net Charge-Offs / Loans0.01%n/a0.00%0.03%Beats 35%65 / 98
Capital
Tier 1 Capital Ratio13.34%11.81%13.71%17.33%Beats 48%51 / 98
Total Risk-Based Capital Ratio13.34%11.81%14.13%17.45%Beats 43%56 / 98
Equity / Assets12.20%8.60%11.34%13.10%Beats 64%35 / 98
Liquidity & Funding
Loans / Deposits68.98%57.09%69.84%82.47%47th pctl52 / 98
Loans / Assets58.18%49.34%58.31%68.94%48th pctl51 / 98
Brokered Deposits / Depositsn/aNot reported for this institution