GRANT COUNTY STATE BANK

SWAYZEE, IN | Small | Est. Sept. 30, 1939, midnight | FDIC #15687 | RSSD #933340 | FDIC
Latest Report: 2025-12-31

GRANT COUNTY STATE BANK is asn small FDIC-insured commercial bank headquartered in SWAYZEE, IN, established in Sept. 30, 1939, midnight. As of 2025-12-31, the bank reported total assets of $389M and total deposits of $309M. Profitability stands at 2.39% ROA and 20.81% ROE, with a net interest margin of 4.52%. The bank's CET1 capital ratio is 17.60%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.66% and a Texas Ratio of 10.70%. FDIC Certificate #15687.

Assets

$389M

Deposits

$309M

Loans

$312M

Equity

$44M

Profitability

Return on Assets (ROA) 2.39%
Return on Equity (ROE) 20.81%
Net Interest Margin (NIM) 4.52%
Yield on Assets 7.95%
Cost of Funds 3.58%

Asset Quality

NPL Ratio 1.66%
Net Charge-Off Ratio 0.11%
Texas Ratio 10.70%
NPA Ratio 1.38%
ACL / Loans 1.94%

Capital & Liquidity

CET1 Ratio 17.60%
Tier 1 Capital 17.60%
Total Capital Ratio 18.87%
Leverage Ratio 11.18%
Loan-to-Deposit 101.05%

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