Grant County State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Grant County State Bank of Swayzee, IN against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 3.19% | 1.34% | +1.85% | 98th top |
| ROAE | 27.14% | 12.05% | +15.09% | 97th top |
| Net Interest Margin | 4.11% | 3.90% | +0.21% | 59th above |
| Efficiency Ratio | 20.02% | 63.16% | -43.14% | 100th top |
| PPNR / Avg Assets | 3.38% | 1.64% | +1.74% | 97th top |
| Yield on Earning Assets | 7.21% | 5.65% | +1.56% | 96th top |
| Cost of Funds | 3.49% | 1.84% | +1.65% | 1st bottom |
| Net Interest Spread | 3.26% | 3.35% | -0.09% | 47th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.66% | 0.92% | +0.74% | 16th bottom |
| NPA / Total Assets | 1.41% | 0.67% | +0.74% | 13th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.03% | 0.15% | -0.12% | 29th below |
| ACL / Total Loans | 1.96% | 1.28% | +0.68% | 93rd top |
| ACL / NPLs (Coverage) | 117.75% | 1645.79% | -1528.04% | 33rd below |
| Texas Ratio | 15.01% | 7.15% | +7.86% | 13th bottom |
| Provision / NCO | 1050.00% | 1189.29% | -139.29% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 17.55% | 20.83% | -3.28% | 67th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 17.55% | 20.86% | -3.31% | 66th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 18.81% | 21.94% | -3.13% | 67th above |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.73% | 12.46% | -0.73% | 62nd above |
| Equity / Assets | 11.71% | 11.67% | +0.04% | 68th above |
| TCE / Tangible Assets | 11.71% | 11.40% | +0.31% | 71st above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 105.64% | 78.63% | +27.01% | 6th bottom |
| Core Deposit Ratio | 84.60% | 87.09% | -2.49% | 29th below |
| Wholesale Funding Ratio | 10.11% | 5.11% | +5.00% | 14th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.46% | 6.47% | -1.01% | 58th above |
| Loan Growth (Y/Y) | 3.63% | 7.64% | -4.01% | 40th below |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.39% | 6.02% | -0.63% | 60th above |
See Grant County State Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Grant County State Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Grant County State Bank profile, how to read a UBPR, or how this data updates.