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 Carson, ND against its peer group of 578 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 | 1.81% | 0.85% | +0.96% | 78th top |
| ROAE | 13.14% | 5.23% | +7.91% | 73rd above |
| Net Interest Margin | 4.27% | 3.94% | +0.33% | 66th above |
| Efficiency Ratio | 57.11% | 76.13% | -19.02% | 76th top |
| PPNR / Avg Assets | 1.81% | — | — | 73rd above |
| Yield on Earning Assets | 5.53% | 5.42% | +0.11% | 63rd above |
| Cost of Funds | 1.41% | 1.69% | -0.28% | 57th above |
| Net Interest Spread | 3.61% | — | — | 61st above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 1.23% | -1.23% | 86th top |
| NPA / Total Assets | 0.00% | — | — | 83rd top |
| NCO / Avg Loans | 0.00% | 0.11% | -0.11% | 53rd above |
| ACL / Total Loans | 0.82% | — | — | 17th bottom |
| Texas Ratio | 0.00% | 7.23% | -7.23% | 83rd top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 13.90% | 14.13% | -0.23% | 58th above |
| Equity / Assets | 14.05% | 13.07% | +0.98% | 61st above |
| TCE / Tangible Assets | 14.05% | — | — | 63rd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit Ahead of the peer average, behind the median peer. | 68.57% | 68.58% | -0.01% | 47th below |
| Core Deposit Ratio | 96.27% | 88.79% | +7.48% | 78th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 6.97% | — | — | 71st above |
| Loan Growth (Y/Y) | 14.85% | — | — | 86th top |
| Deposit Growth (Y/Y) | 7.94% | — | — | 76th top |
See Grant County State Bank's peers by name
The 578 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. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Grant County State Bank peer analysis.