Grant County State Bank

Swayzee, IN · Cert 15687 · Peer group: banks under $1B in assets operating in a single state (n=751-755) · 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 755).
Widest gap: nonperforming loans / loans trails 91% of banks under $1B in assets operating in a single state (rank 686 of 751).
Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

2.37%

Rank 23 of 755

Net Interest Margin

3.94%

Rank 277 of 755

Efficiency Ratio

21.33%

Rank 4 of 755

Equity / Assets

11.71%

Rank 269 of 755

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%	1.06%	1.45%	Beats 97%	23 / 755
Return on Equity	20.22%	6.66%	10.44%	13.61%	Beats 96%	31 / 755
Net Interest Margin	3.94%	3.15%	3.68%	4.17%	Beats 63%	277 / 755
Efficiency Ratio	21.33%	55.75%	64.78%	75.61%	Beats 100%	4 / 755
Asset Quality
Nonperforming Loans / Loans	2.35%	0.09%	0.42%	1.05%	Beats 9%	686 / 751
Net Charge-Offs / Loans	0.02%	0.00%	0.01%	0.05%	Beats 39%	462 / 751
Capital
Tier 1 Capital Ratio	17.55%	11.56%	13.81%	17.74%	Beats 74%	197 / 755
Total Risk-Based Capital Ratio	18.81%	11.72%	14.46%	18.53%	Beats 76%	180 / 755
Equity / Assets	11.71%	8.93%	10.56%	13.13%	Beats 64%	269 / 755
Liquidity & Funding
Loans / Deposits	105.64%	62.43%	78.62%	91.00%	94th pctl	42 / 755
Loans / Assets	82.28%	54.70%	67.27%	76.55%	90th pctl	77 / 755
Brokered Deposits / Deposits	n/a	Not reported for this institution