Grant County State Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 4.22 percentage points higher than in Q1 2026, at 117.75%. Among 87 Indiana banks, Grant County State Bank sits 2nd from the top on return on assets, 3.19% as of Q2 2026. Against a median of 1.25% for banks in the $100M-1B asset tier, Grant County State Bank reported 3.19% on return on assets in Q2 2026, 1.93 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 17.55% |
| Tier 1 risk-based capital ratio | 17.55% |
| Total risk-based capital ratio | 18.81% |
| Tier 1 leverage ratio | 11.73% |
| Equity capital to assets | 11.71% |
| Tangible equity to tangible assets | 11.71% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.66% |
| Non-performing assets ratio | 1.41% |
| Net charge-off ratio | 0.03% |
| Texas ratio | 15.01% |
| Allowance for credit losses to loans | 1.96% |
| Reserve coverage of non-performing loans | 117.75% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 3.19% |
| Return on equity | 27.14% |
| Net interest margin | 4.11% |
| Efficiency ratio | 20.02% |
| Yield on earning assets | 7.21% |
| Cost of funds | 3.49% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 105.64% |
| Core deposits to total deposits | 84.60% |
| Brokered deposits to total deposits | 3.23% |
| Deposits to assets | 77.89% |
| Securities to assets | — |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 19.39% | 19.39% | 20.65% | 13.48% | 3.53% |
| Q4 2023 | 18.44% | 18.44% | 19.70% | 12.65% | 3.25% |
| Q1 2024 | 19.80% | 19.80% | 21.06% | 12.94% | 3.44% |
| Q2 2024 | 18.94% | 18.94% | 20.20% | 13.02% | 3.32% |
| Q3 2024 | 20.01% | 20.01% | 21.28% | 13.40% | 3.27% |
| Q4 2024 | 19.94% | 19.94% | 21.20% | 12.77% | 3.34% |
| Q1 2025 | 20.65% | 20.65% | 21.91% | 13.50% | 3.08% |
| Q2 2025 | 18.68% | 18.68% | 19.93% | 12.57% | 3.29% |
| Q3 2025 | 17.41% | 17.41% | 18.66% | 11.86% | 3.23% |
| Q4 2025 | 17.60% | 17.60% | 18.87% | 11.18% | 2.36% |
| Q1 2026 | 18.27% | 18.27% | 19.54% | 11.92% | 2.90% |
| Q2 2026 | 17.55% | 17.55% | 18.81% | 11.73% | 3.19% |
Grant County State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Grant County State Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Grant County State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15687) · FFIEC NIC profile (RSSD 933340)