BlastPoint's Banking Scorecard
Grant County Bank
Micro
Specialty: Other
KS
FDIC cert 10918
Designations: ✓ Community bank
Ulysses, KS
2498
banks in Micro tier nationally
145 in KS
View Micro leaderboard (KS) →
Grant County Bank has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest Income / Assets 0.45% above tier
Key Concerns
Areas that may need attention
- - Delinquency Rate 2.08% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$308.9M
+0.7% YoY
+3.1% QoQ
|
+$91.4M |
$217.5M
+2.3% YoY
|
$500.0M
+7.2% YoY
|
$5.9B
+6.5% YoY
|
74% |
| Total Loans ? |
$162.1M
+2.8% YoY
-4.5% QoQ
|
+$22.9M |
$139.2M
+2.8% YoY
|
$330.9M
+7.5% YoY
|
$3.1B
+8.5% YoY
|
64% |
| Total Deposits ? |
$258.0M
-0.8% YoY
+5.8% QoQ
|
+$74.4M |
$183.7M
+1.8% YoY
|
$415.2M
+7.6% YoY
|
$4.7B
+6.3% YoY
|
73% |
| Return on Assets ? |
1.54%
+15.4% YoY
+3.8% QoQ
|
+0.45% |
1.08%
+14.7% YoY
|
1.26%
+16.9% YoY
|
1.12%
+15.6% YoY
|
76% |
| Net Interest Margin ? |
3.74%
+12.9% YoY
+3.8% QoQ
|
-0.12% |
3.85%
+6.6% YoY
|
3.85%
+7.2% YoY
|
3.75%
+7.1% YoY
|
46% |
| Efficiency Ratio ? |
61.55%
-4.2% YoY
-2.4% QoQ
|
-6.17% |
67.73%
-4.8% YoY
|
63.53%
-4.9% YoY
|
65.09%
-5.1% YoY
|
62% |
| Delinquency Rate ? |
2.72%
-59.3% YoY
-36.1% QoQ
|
+2.08% |
0.64%
+24.4% YoY
|
0.50%
+113.1% YoY
|
0.66%
+20.3% YoY
|
Bottom 8% in tier |
| Loan-to-Deposit Ratio ? |
62.82%
+3.6% YoY
-9.7% QoQ
|
-11.71% |
74.53%
+0.5% YoY
|
73.36%
+1.4% YoY
|
78.04%
+0.7% YoY
|
72% |
| Non-Interest-Bearing Deposit Share ? |
12.54%
+6.5% YoY
+3.0% QoQ
|
-9.85% |
22.39%
-1.3% YoY
|
21.92%
-1.8% YoY
|
21.79%
-1.3% YoY
|
17% |
| Nonperforming Asset Ratio ? |
1.43%
-58.5% YoY
-40.9% QoQ
|
+0.98% |
0.45%
+25.1% YoY
|
0.36%
+79.7% YoY
|
0.48%
+20.8% YoY
|
Bottom 12% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
7.38%
-10.4% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
1.01%
+7.0% YoY
+29.1% QoQ
|
+0.45% |
0.56%
+0.3% YoY
|
0.59%
+2.2% YoY
|
0.65%
+0.6% YoY
|
Top 8% in tier |
Signature Analysis
Strengths (1)
Non-Interest Income / Assets
metric
Top 8%
in Micro
Why this stands out
Current:
1.01%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (1)
Delinquency Rate
metric
Bottom 8%
in Micro
Why this stands out
Current:
2.72%
(Tier avg: 0.64%, National avg: 0.66%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
92
92th pctile
Non-Interest Income / Assets
Current: 1.01% · Tier avg: 0.56%
76
76th pctile
Return on Assets
Current: 1.54% · Tier avg: 1.08%
74
74th pctile
Total Assets
Current: $308.9M · Tier avg: $217.5M
73
73th pctile
Total Deposits
Current: $258.0M · Tier avg: $183.7M
72
72th pctile
Loan-to-Deposit Ratio
Current: 62.82% · Tier avg: 74.53%
64
64th pctile
Total Loans
Current: $162.1M · Tier avg: $139.2M
62
62th pctile
Efficiency Ratio
Current: 61.55% · Tier avg: 67.73%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
46
46th pctile
Net Interest Margin
Current: 3.74% · Tier avg: 3.85%
17
17th pctile
Non-Interest-Bearing Deposit Share
Current: 12.54% · Tier avg: 22.39%
12
12th pctile
Nonperforming Asset Ratio
Current: 1.43% · Tier avg: 0.45%
8
8th pctile
Delinquency Rate
Current: 2.72% · Tier avg: 0.64%
Top Weaknesses
8
8th pctile
Delinquency Rate
Current: 2.72% · Tier avg: 0.64%
12
12th pctile
Nonperforming Asset Ratio
Current: 1.43% · Tier avg: 0.45%
17
17th pctile
Non-Interest-Bearing Deposit Share
Current: 12.54% · Tier avg: 22.39%
46
46th pctile
Net Interest Margin
Current: 3.74% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
62
62th pctile
Efficiency Ratio
Current: 61.55% · Tier avg: 67.73%
64
64th pctile
Total Loans
Current: $162.1M · Tier avg: $139.2M
72
72th pctile
Loan-to-Deposit Ratio
Current: 62.82% · Tier avg: 74.53%
73
73th pctile
Total Deposits
Current: $258.0M · Tier avg: $183.7M
74
74th pctile
Total Assets
Current: $308.9M · Tier avg: $217.5M
76
76th pctile
Return on Assets
Current: 1.54% · Tier avg: 1.08%
92
92th pctile
Non-Interest Income / Assets
Current: 1.01% · Tier avg: 0.56%