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Grant County State Bank

Carson, ND · Cert 9417 · Grant County Bcorp Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

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.

Peer group

Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

57

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

60

Q2 2024Q2 2026peer median (50)

Liquidity

62

Q2 2024Q2 2026peer median

Efficiency

67

Q2 2024Q2 2026peer median (50)

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.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Grant County State Bank

Carson, ND · Cert 9417 · Grant County Bcorp Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$46.7MAssets
$27.5MLoans
$40.1MDeposits
$6.6MEquity
Loan mix
95%RE $10.4M3%C&I $0.3M2%Consumer $0.2MQ3 2024Q2 2026
Deposit mix
74%Interest-bearing $29.7M26%Noninterest $10.4MQ3 2024Q2 2026

Market Position · Bismarck, ND · 2026 SOD (annual) · 0.2% share · #18 of 18 inst. · $0.0B of $6.9B

20.8% Grant
1.0% Morton

Executive Summary

  • Earnings: ROA of 1.21%, down 51 bps year over year; NIM at 3.97%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 13.90%, down 39 bps from a year ago.
  • Funding: loans stand at 68.57% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.21%-51 bps YoY

Net Interest Margin (YTD, annualized)

3.97%-52 bps YoY

Efficiency Ratio (YTD, annualized)

61.97%+956 bps YoY

Tier 1 Leverage Ratio

13.90%-39 bps YoY

NIM

7.20%Q2 ’245.74%Q2 ’255.14%Q2 ’26-21%-12%

Non-interest income vs. expense

2.22%Q2 ’242.40%Q2 ’252.50%Q2 ’26+9%+5%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.71%2.50%1.57%1.72%1.72%1.49%0.98%1.21%-51 bps
Return on Equity18.10%16.91%11.24%12.06%11.90%10.45%7.28%8.81%-325 bps
Net Interest Margin5.99%5.59%4.43%4.49%4.74%4.49%3.78%3.97%-52 bps
Efficiency Ratio40.41%44.85%54.67%52.42%53.63%59.51%67.33%61.97%+956 bps
Non-Interest Burden2.36%2.42%2.39%2.31%2.50%2.64%2.53%2.43%+12 bps
Growth
Asset Growth (YoY)3.60%2.85%4.35%2.95%1.04%4.74%2.05%6.97%+402 bps
Loan Growth (YoY)4.59%1.40%-17.43%-19.49%-10.25%-15.60%6.12%14.85%+3,435 bps
Deposit Growth (YoY)2.78%3.17%4.81%4.09%1.86%5.42%2.48%7.94%+385 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.02%-0.02%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.73%0.81%1.03%0.94%0.81%0.96%0.97%0.82%-12 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio16.17%14.44%14.55%14.29%14.75%13.81%13.69%13.90%-39 bps
Total Risk-Based Capital16.17%14.44%14.55%14.29%14.75%13.81%13.69%13.90%-39 bps
Equity / Assets15.65%13.99%13.94%14.82%15.00%13.45%13.59%14.05%-77 bps
Liquidity & Funding
Loans / Deposits86.88%72.18%54.65%64.44%76.56%57.79%56.59%68.57%+413 bps
Liquid Assets / Assets0.00%0.00%8.58%9.17%9.37%8.52%8.40%8.57%-60 bps
CRE / Total Capitaln/an/an/an/a0.47%0.00%2.26%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Grant County State Bank

Carson, ND · Cert 9417 · Peer group: banks under $1B in assets (n=581-629) · Grant County Bcorp Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$46.7MAssets
$27.5MLoans
$40.1MDeposits
$6.6MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets (rank 81 of 581).
  • Widest gap: return on equity trails 56% of banks under $1B in assets (rank 350 of 629).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.22%

Rank 228 of 629

Net Interest Margin

3.97%

Rank 178 of 629

Efficiency Ratio

61.97%

Rank 209 of 629

Equity / Assets

14.05%

Rank 156 of 629

Non-interest income vs. expense

$0.0M$1.2MINCOMEEXPENSE
Unfavorable gap of $1.1M · efficiency ratio beats 67% of banks under $1B in assets
Bank 61.97%Peer median 67.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.22%0.60%1.01%1.45%Beats 64%228 / 629
Return on Equity8.67%5.38%9.30%13.28%Beats 44%350 / 629
Net Interest Margin3.97%3.03%3.54%4.05%Beats 72%178 / 629
Efficiency Ratio61.97%58.35%67.79%79.08%Beats 67%209 / 629
Asset Quality
Nonperforming Loans / Loans0.00%0.09%0.46%1.20%Beats 100%81 / 581
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 100%158 / 581
Capital
Tier 1 Capital Ratio13.90%11.24%13.84%18.77%Beats 51%311 / 629
Total Risk-Based Capital Ratio13.90%11.58%14.43%19.66%Beats 46%342 / 629
Equity / Assets14.05%9.09%10.65%13.80%Beats 75%156 / 629
Liquidity & Funding
Loans / Deposits68.57%67.24%80.90%93.48%27th pctl433 / 594
Loans / Assets58.88%53.31%67.71%78.15%32nd pctl426 / 629
Brokered Deposits / Depositsn/aNot reported for this institution