Carson, ND · Cert 9417 · Grant County Bcorp Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Market Position · Bismarck, ND · 2026 SOD (annual) · 0.2% share · #18 of 18 inst. · $0.0B of $6.9B
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.72% | 1.72% | 1.49% | 0.98% | 1.21% | -51 bps | |
| Return on Equity | 12.06% | 11.90% | 10.45% | 7.28% | 8.81% | -325 bps | |
| Net Interest Margin | 4.49% | 4.74% | 4.49% | 3.78% | 3.97% | -52 bps | |
| Efficiency Ratio | 52.42% | 53.63% | 59.51% | 67.33% | 61.97% | +956 bps | |
| Non-Interest Burden | 2.31% | 2.50% | 2.64% | 2.53% | 2.43% | +12 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.95% | 1.04% | 4.74% | 2.05% | 6.97% | +402 bps | |
| Loan Growth (YoY) | -19.49% | -10.25% | -15.60% | 6.12% | 14.85% | +3,435 bps | |
| Deposit Growth (YoY) | 4.09% | 1.86% | 5.42% | 2.48% | 7.94% | +385 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.94% | 0.81% | 0.96% | 0.97% | 0.82% | -12 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 14.29% | 14.75% | 13.81% | 13.69% | 13.90% | -39 bps | |
| Total Risk-Based Capital | 14.29% | 14.75% | 13.81% | 13.69% | 13.90% | -39 bps | |
| Equity / Assets | 14.82% | 15.00% | 13.45% | 13.59% | 14.05% | -77 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 64.44% | 76.56% | 57.79% | 56.59% | 68.57% | +413 bps | |
| Liquid Assets / Assets | 9.17% | 9.37% | 8.52% | 8.40% | 8.57% | -60 bps | |
| CRE / Total Capital | n/a | 0.47% | 0.00% | 2.26% | n/a | n/a | |