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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 1.49%, 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