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.
Loan-to-deposit ratio climbed 11.97 percentage points in Q2 2026, from 56.59% to 68.57%. It was the largest change from Q1 2026 among the key lines here. Within North Dakota, Grant County State Bank is 17th of 60 on return on assets, 1.81% as of Q2 2026. Against a median of 1.00% for banks in the < $100M asset tier, Grant County State Bank reported 1.81% on return on assets in Q2 2026, 0.81 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 13.90% |
| Equity capital to assets | 14.05% |
| Tangible equity to tangible assets | 14.05% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 0.82% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.81% |
| Return on equity | 13.14% |
| Net interest margin | 4.27% |
| Efficiency ratio | 57.11% |
| Yield on earning assets | 5.53% |
| Cost of funds | 1.41% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 68.57% |
| Core deposits to total deposits | 96.27% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 85.88% |
| 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 | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 15.03% | 3.78% | 6.42% | 0.00% | 0.00% |
| Q4 2023 | 14.44% | 2.74% | 6.08% | 0.00% | 0.00% |
| Q1 2024 | 14.50% | 3.42% | 5.75% | 0.00% | -0.08% |
| Q2 2024 | 15.20% | 3.61% | 5.97% | 0.00% | 0.00% |
| Q3 2024 | 16.17% | 3.35% | 6.14% | 0.00% | 0.00% |
| Q4 2024 | 14.44% | 2.41% | 5.74% | 0.00% | 0.00% |
| Q1 2025 | 14.55% | 2.04% | 4.63% | 0.00% | 0.00% |
| Q2 2025 | 14.29% | 2.33% | 4.74% | 0.00% | 0.00% |
| Q3 2025 | 14.75% | 2.18% | 5.04% | 0.00% | 0.00% |
| Q4 2025 | 13.81% | 1.04% | 4.66% | 0.00% | 0.00% |
| Q1 2026 | 13.69% | 1.25% | 3.90% | 0.00% | 0.00% |
| Q2 2026 | 13.90% | 1.81% | 4.27% | 0.00% | 0.00% |
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 9417) · FFIEC NIC profile (RSSD 983158)