Swayzee, IN · Cert 15687 · Grant Cnty St Bancshares Emp STK Ownership Plan
State charter, non-member · FDIC · 3 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
72
Asset Quality
24
Profitability
85
Liquidity
0
Efficiency
100
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.
Swayzee, IN · Cert 15687 · Grant Cnty St Bancshares Emp STK Ownership Plan
State charter, non-member · FDIC · 3 branches
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.61% | 2.63% | 2.40% | 2.49% | 2.51% | 2.36% | 2.26% | 2.38% | -11 bps | |
| Return on Equity | 20.53% | 20.68% | 18.47% | 19.49% | 20.03% | 19.22% | 19.63% | 20.57% | +108 bps | |
| Net Interest Margin | 4.21% | 4.07% | 4.08% | 4.09% | 4.07% | 3.97% | 3.88% | 3.94% | -15 bps | |
| Efficiency Ratio | 21.81% | 21.76% | 23.48% | 22.84% | 22.25% | 21.90% | 22.73% | 21.33% | -151 bps | |
| Non-Interest Burden | 0.80% | 0.77% | 0.85% | 0.82% | 0.79% | 0.76% | 0.79% | 0.73% | -9 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 17.12% | 8.92% | 12.12% | 12.73% | 8.72% | 8.83% | 7.12% | 5.46% | -727 bps | |
| Loan Growth (YoY) | 18.48% | 13.59% | 14.46% | 16.85% | 12.07% | 8.75% | 7.72% | 3.63% | -1,322 bps | |
| Deposit Growth (YoY) | 22.48% | 11.29% | 13.42% | 15.13% | 11.51% | 12.09% | 8.19% | 5.39% | -974 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.29% | 2.03% | 1.82% | 1.72% | 2.13% | 2.08% | 1.86% | 2.35% | +64 bps | |
| Net Charge-Offs / Loans | 0.14% | 0.12% | 0.09% | 0.11% | 0.12% | 0.11% | 0.01% | 0.02% | -9 bps | |
| Allowance / Loans | 1.72% | 1.74% | 1.72% | 1.61% | 1.60% | 1.94% | 1.97% | 1.96% | +35 bps | |
| Allowance Coverage of NPLs | 1.3x | 0.9x | 0.9x | 0.9x | 0.8x | 0.9x | 1.1x | 0.8x | -0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.40% | 12.77% | 13.50% | 12.57% | 11.86% | 11.18% | 11.92% | 11.73% | -83 bps | |
| Total Risk-Based Capital | 21.28% | 21.20% | 21.91% | 19.93% | 18.66% | 18.87% | 19.54% | 18.81% | -112 bps | |
| Equity / Assets | 12.90% | 12.82% | 13.13% | 12.44% | 11.70% | 11.29% | 11.73% | 11.71% | -73 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 104.82% | 104.16% | 102.75% | 107.44% | 105.34% | 101.05% | 102.30% | 105.64% | -180 bps | |
| Liquid Assets / Assets | 17.51% | 17.93% | 19.04% | 14.28% | 14.94% | 18.05% | 18.69% | 16.01% | +173 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 145.90% | 140.95% | 140.32% | n/a | n/a | |
Swayzee, IN · Cert 15687 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Grant Cnty St Bancshares Emp STK Ownership Plan
State charter, non-member · FDIC · 3 branches
Q2 2026
Return on Assets
2.37%
Rank 20 of 746
Net Interest Margin
3.94%
Rank 274 of 746
Efficiency Ratio
21.33%
Rank 3 of 746
Equity / Assets
11.71%
Rank 258 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 2.37% | 0.72% | 1.06% | 1.45% | Beats 97% | 20 / 746 | ||
| Return on Equity | 20.22% | 6.74% | 10.51% | 13.63% | Beats 96% | 29 / 746 | ||
| Net Interest Margin | 3.94% | 3.17% | 3.68% | 4.16% | Beats 63% | 274 / 746 | ||
| Efficiency Ratio | 21.33% | 55.74% | 64.58% | 75.47% | Beats 100% | 3 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.35% | 0.09% | 0.42% | 1.07% | Beats 9% | 676 / 743 | ||
| Net Charge-Offs / Loans | 0.02% | 0.00% | 0.01% | 0.05% | Beats 38% | 465 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 17.55% | 11.55% | 13.75% | 17.60% | Beats 75% | 189 / 746 | ||
| Total Risk-Based Capital Ratio | 18.81% | 11.71% | 14.33% | 18.43% | Beats 77% | 174 / 746 | ||
| Equity / Assets | 11.71% | 8.90% | 10.51% | 13.06% | Beats 65% | 258 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 105.64% | 61.31% | 78.27% | 90.78% | 95th pctl | 38 / 746 | ||
| Loans / Assets | 82.28% | 53.60% | 66.97% | 76.08% | 90th pctl | 74 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||