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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 1.37%, up 23 bps year over year; NIM at 3.45%.
  • Asset quality: problem loans at 2.07% of loans (-267 bps YoY), with net charge-offs at 0.00%.
  • 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 (quarter, annualized)

1.37%+23 bps YoY

Net Interest Margin (quarter, annualized)

3.45%+4 bps YoY

Efficiency Ratio (quarter, annualized)

62.57%-103 bps YoY

Tier 1 Leverage Ratio

13.34%+11 bps YoY

NIM

5.49%Q2 ’245.15%Q2 ’255.17%Q2 ’26-3%+1%

Non-interest income vs. expense

2.74%Q2 ’242.74%Q2 ’252.84%Q2 ’26+6%-5%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.87%1.07%1.22%1.14%1.29%1.38%1.61%1.37%+23 bps
Return on Equity7.68%9.53%10.95%9.87%10.76%11.29%13.63%11.59%+172 bps
Net Interest Margin2.84%2.98%3.21%3.40%3.45%3.87%3.55%3.45%+4 bps
Efficiency Ratio69.36%64.87%63.10%63.60%62.50%57.52%54.86%62.57%-103 bps
Non-Interest Burden1.69%1.61%1.61%1.83%1.77%1.79%1.41%1.75%-8 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 / Loans0.43%0.02%0.03%0.06%-0.02%-0.75%-1.15%0.00%-6 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