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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.55% | 1.90% | 1.57% | 1.84% | 1.72% | 0.84% | 0.98% | 1.43% | -41 bps | |
| Return on Equity | 16.24% | 12.85% | 11.24% | 12.81% | 11.53% | 5.90% | 7.28% | 10.32% | -249 bps | |
| Net Interest Margin | 5.87% | 5.44% | 4.43% | 4.60% | 4.87% | 4.47% | 3.78% | 4.15% | -45 bps | |
| Efficiency Ratio | 44.03% | 58.15% | 54.67% | 50.28% | 55.97% | 77.20% | 67.33% | 57.11% | +683 bps | |
| Non-Interest Burden | 2.52% | 3.03% | 2.39% | 2.26% | 2.69% | 3.43% | 2.53% | 2.33% | +7 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 / Loans | 0.00% | 0.00% | 0.00% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.73% | 0.81% | 1.03% | 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 | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 16.17% | 14.44% | 14.55% | 14.29% | 14.75% | 13.81% | 13.69% | 13.90% | -39 bps | |
| Total Risk-Based Capital | 16.17% | 14.44% | 14.55% | 14.29% | 14.75% | 13.81% | 13.69% | 13.90% | -39 bps | |
| Equity / Assets | 15.65% | 13.99% | 13.94% | 14.82% | 15.00% | 13.45% | 13.59% | 14.05% | -77 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 86.88% | 72.18% | 54.65% | 64.44% | 76.56% | 57.79% | 56.59% | 68.57% | +413 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 8.58% | 9.17% | 9.37% | 8.52% | 8.40% | 8.57% | -60 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 0.47% | 0.00% | 2.26% | n/a | n/a | |