Grant County Bank (Ulysses, KS)
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Data as of · sourced from FFIEC call reports. How we update
Grant County Bank is an FDIC-insured commercial bank headquartered in Ulysses, KS, established in 1906 (FDIC certificate 10918), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $298.4M, down 3.0% from Q2 2025, the 71st largest of 182 banks headquartered in Kansas. It reports no CET1 ratio; its Tier 1 leverage ratio was 13.34% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 10918
- Headquarters
- Ulysses, KS
- Established
- 1906
- Total assets, Q2 2026
- $298.4M
- Assets vs Q2 2025
- -3.0%
- Tier 1 leverage ratio, Q2 2026
- 13.34%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 101109648
- Latest call report
- Q2 2026, FFIEC 051 · Grant County Bank call report
- Holding company
- RESOURCE ONE, INC.
- Asset rank in state
- 71st of 182 in Kansas
Grant County Bank, based in Ulysses, Kansas, reported $298 million in assets at June 30, 2026, down 3.0% from a year earlier. It holds commercial real estate loans equal to only 42% of its capital, about a third the median of 1.2 times for the 2,660 banks with $100 million to $1 billion in assets. It also shrank its loan book 0.7% over the year, lower than about three-quarters of banks its size (median 5.5%).
Problem loans roughly halved over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 2.07% of loans from 4.73%. Its $19 million commercial and industrial book is improving, with 8.32% past due or on nonaccrual, down from 13.73% a year earlier. Credit is the area to watch: it carries problem assets equal to 9.0% of the capital and reserves that would absorb them, 3.4 times the median of 2.6% for banks its size.
As of June 30, 2026, Grant County Bank reported a return on assets of 1.68%, a nonperforming-loan ratio of 2.07% and a Texas ratio of 9.01%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Grant County Bank is the 71st largest of the 182 banks headquartered in Kansas. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 2.6% to $298.4M, loans rose 4.6% and deposits fell 3.5%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 42.6% of total loans, followed by farmland and other real estate loans at 19.3%. Its 2 offices in the FDIC Summary of Deposits are in Ulysses, KS and Garden City, KS; its Ulysses office books 96% of its branch deposits. By the capital ratios in its Q2 2026 call report, Grant County Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 201 S Main St, Ulysses, KS 67880
- County
- Grant
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1906
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 54
- Domestic deposits
- $251.7M
- Allowance for credit losses
- $4.0M
- Net charge-offs (YTD)
- -$477K
- Average total assets
- $302.2M
- Average total loans
- $169.5M
- Average interest-bearing deposits
- $224.6M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 10918
- Fed RSSD
- 207452
- Website
- www.gcbks.bank →
- Parent Holding Company
- RESOURCE ONE, INC. (RSSD 2012566)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Grant County Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Grant County Bank's total assets moved between a low of $277.4M (Q3 2023) and a high of $308.9M (Q4 2025) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$298.4M total assets against $307.6M; $262.0M total liabilities against $272.1M.
$169.6M net loans and leases against $171.9M; $251.7M total deposits against $251.0M.
$108.9M securities against $115.4M; $8.1M cash and balances due against $7.9M.
$3.9M total interest income against $4.0M; $1.3M total interest expense against $1.4M.
$2.6M net interest income against $2.6M.
$824K total noninterest income against $704K; $2.1M total noninterest expense against $2.1M.
-$30K provision for credit losses against $40K.
$1.3M net income against $1.1M.
1.68% return on assets against 1.36%; 3.53% net interest margin against 3.52%.
13.34% tier 1 leverage ratio against 13.24%.
Inside the full Grant County Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeGrant County Bank rankings
Its closest position to the top of a national ranking is 720 of 3,640, for Texas Ratio; its furthest is 2,466 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.07% (Q3 2024) to 1.93% (Q1 2026) and its net interest margin ran from 2.90% (Q3 2024) to 3.98% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.34% | 1.68% | 2.07% | 9.01% | 3.53% |
| Q1 2026 | 12.68% | 1.93% | 2.16% | 9.15% | 3.62% |
| Q4 2025 | 13.24% | 1.70% | 2.67% | 10.84% | 3.98% |
| Q3 2025 | 13.66% | 1.57% | 4.19% | 18.00% | 3.53% |
| Q2 2025 | 13.24% | 1.36% | 4.73% | 21.46% | 3.52% |
| Q1 2025 | 13.24% | 1.47% | 6.11% | 26.88% | 3.24% |
| Q4 2024 | 12.97% | 1.31% | 6.57% | 29.35% | 3.11% |
| Q3 2024 | 13.57% | 1.07% | 6.16% | 26.80% | 2.90% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Grant County Bank (main office) | Ulysses , KS | 67880 | $241.4M |
| Gcb Bank, A Branch of Grant County Bank | Garden City , KS | 67846 | $10.2M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in KS, rank 91 of 231 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $35K approved, $35K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2000 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Grant County Bank
What are Grant County Bank's total assets?
As of the Q2 2026 filing, Grant County Bank reported total assets of $298.4 million in its FFIEC call report.
Where is Grant County Bank headquartered?
It is headquartered in Ulysses, KS, United States.
When was Grant County Bank founded?
It was established in 1906, per the FDIC institution directory.
Is Grant County Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #10918). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Grant County Bank?
Grant County Bank's primary federal regulator is the FDIC.
How many branches does Grant County Bank operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Grant County Bank's Texas Ratio?
Its Texas Ratio is 9.01% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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