Grant County State Bank

Swayzee, IN · Cert 15687 · Peer group: banks under $1B in assets operating in a single state (n=748-752) · Grant Cnty St Bancshares Emp STK Ownership Plan

State charter, non-member · FDIC · 3 branches

Q2 2026

$395.7MAssets

$325.6MLoans

$308.2MDeposits

$46.3MEquity

Executive Summary

Strongest standing: efficiency ratio outperforms 100% of banks under $1B in assets operating in a single state (rank 4 of 752).
Widest gap: nonperforming loans / loans trails 91% of banks under $1B in assets operating in a single state (rank 685 of 748).
Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

2.37%

Rank 23 of 752

Net Interest Margin

3.94%

Rank 285 of 752

Efficiency Ratio

21.33%

Rank 4 of 752

Equity / Assets

11.71%

Rank 269 of 752

Non-interest income vs. expense

Unfavorable gap of $2.9M · efficiency ratio beats 100% of banks under $1B in assets operating in a single state

Metric	Your Bank	Peer 25th	Peer Median	Peer 75th	Standing	Rank
Earnings
Return on Assets	2.37%	0.72%	1.07%	1.45%	Beats 97%	23 / 752
Return on Equity	20.22%	6.78%	10.58%	13.65%	Beats 96%	31 / 752
Net Interest Margin	3.94%	3.18%	3.69%	4.17%	Beats 62%	285 / 752
Efficiency Ratio	21.33%	55.75%	64.49%	75.47%	Beats 100%	4 / 752
Asset Quality
Nonperforming Loans / Loans	2.35%	0.09%	0.42%	1.03%	Beats 9%	685 / 748
Net Charge-Offs / Loans	0.02%	0.00%	0.01%	0.05%	Beats 39%	460 / 748
Capital
Tier 1 Capital Ratio	17.55%	11.55%	13.75%	17.60%	Beats 74%	192 / 752
Total Risk-Based Capital Ratio	18.81%	11.70%	14.33%	18.47%	Beats 76%	177 / 752
Equity / Assets	11.71%	8.93%	10.56%	13.13%	Beats 64%	269 / 752
Liquidity & Funding
Loans / Deposits	105.64%	62.23%	78.64%	91.26%	95th pctl	39 / 752
Loans / Assets	82.28%	54.61%	67.41%	76.47%	89th pctl	80 / 752
Brokered Deposits / Deposits	n/a	Not reported for this institution