# GRANT COUNTY BANK
ULYSSES, KS · FDIC certificate 10918 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $298.3M | |
| Deposits | $251.7M | |
| Loans and leases | $173.6M | |
| Total equity | $36.3M | |
| Loans / deposits | 67.40% (p41 of band) | 73.59% |
| Liquid assets / assets | 39.22% (p62 of band) | |
| Uninsured deposits / deposits | 36.90% (p90 of band) | 19.81% |
| Brokered deposits | 10.40% | |
| Wholesale funding | 13.12% (p89 of band) | |
| FHLB advances / assets | 2.72% | |
| Tier 1 leverage | 13.32% (p66 of band) | 11.76% |
| Unrealized securities loss / equity | -11.42% (p37 of band) | -6.57% |
| AOCI / equity | -1.01% (p27 of band) | |
| ROA (annualized) | 1.79% (p79 of band) | 1.17% |
| Net interest margin | 3.75% (p40 of band) | 3.93% |
| Efficiency ratio | 58.57% (p32 of band) | |
| Noncurrent loans | 2.07% (p86 of band) | 0.36% |
| Net charge-offs (annualized) | -0.31% (p1 of band) | |
| Reserve coverage of noncurrent | 110.98% | |
| Real estate % of loans | 81% | |
| Construction % of loans | 33.55% (p67 of band) | |
| Auto loans | $4.7M (2.71% of loans; DQ 1.10%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 0.3% | |
| Employees | 54 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | wholesale funding >15% |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 2 | reserve under noncurrent |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 1 |  | reserve under noncurrent |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 2 | charge-offs p90 |  |
| 2014-06 | 3 | reserve under noncurrent |  |
| 2014-09 | 2 |  | reserve under noncurrent |
| 2014-12 | 1 |  | charge-offs p90 |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 2 | charge-offs p90 |  |
| 2016-03 | 1 |  | charge-offs p90 |
| 2016-06 | 3 | noncurrent p90, reserve under noncurrent |  |
| 2016-09 | 4 | charge-offs p90 |  |
| 2016-12 | 3 |  | charge-offs p90 |
| 2017-03 | 5 | deposits shrinking, uninsured deposits leaving |  |
| 2017-06 | 5 | brokered >10%, assets shrinking | deposits shrinking, uninsured deposits leaving |
| 2017-09 | 4 |  | assets shrinking |
| 2017-12 | 4 | capital falling | wholesale funding >15% |
| 2018-03 | 3 |  | capital falling |
| 2018-06 | 3 |  |  |
| 2018-09 | 4 | wholesale funding >15% |  |
| 2018-12 | 3 |  | wholesale funding >15% |
| 2019-03 | 4 | capital falling |  |
| 2019-06 | 3 |  | capital falling |
| 2019-09 | 3 |  |  |
| 2019-12 | 3 |  |  |
| 2020-03 | 5 | wholesale funding >15%, capital falling |  |
| 2020-06 | 4 |  | brokered >10% |
| 2020-09 | 3 | charge-offs p90 | noncurrent p90, reserve under noncurrent |
| 2020-12 | 1 |  | wholesale funding >15%, capital falling |
| 2021-03 | 0 |  | charge-offs p90 |
| 2021-06 | 2 | brokered >10%, capital falling |  |
| 2021-09 | 1 |  | capital falling |
| 2021-12 | 3 | noncurrent p90, reserve under noncurrent |  |
| 2022-03 | 5 | capital falling, charge-offs p90 |  |
| 2022-06 | 4 | AOCI drag >20% of equity, securities losses >30% of equity | noncurrent p90, reserve under noncurrent, capital falling |
| 2022-09 | 5 | wholesale funding >15% |  |
| 2022-12 | 4 |  | charge-offs p90 |
| 2023-03 | 3 |  | AOCI drag >20% of equity |
| 2023-06 | 4 | deposits shrinking |  |
| 2023-09 | 4 | uninsured deposits >50% | deposits shrinking |
| 2023-12 | 2 |  | securities losses >30% of equity, uninsured deposits >50% |
| 2024-03 | 3 | capital falling |  |
| 2024-06 | 3 | charge-offs p90 | capital falling |
| 2024-09 | 6 | noncurrent p90, reserve under noncurrent, uninsured deposits leaving |  |
| 2024-12 | 5 |  | uninsured deposits leaving |
| 2025-03 | 4 |  | charge-offs p90 |
| 2025-06 | 4 |  |  |
| 2025-09 | 4 |  |  |
| 2025-12 | 4 |  |  |
| 2026-03 | 3 | capital falling | wholesale funding >15%, reserve under noncurrent |
| 2026-06 | 1 |  | noncurrent p90, capital falling |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-05-19 [Grant County Bank announces name change - WV News](https://news.google.com/rss/articles/CBMiwgFBVV95cUxNWHdrZjFLU3lrUGVpMVI5bGZ1UktQclFVemEtR1NhSFFFUXduUzJralptbDc4N3NPYWlaMlRNNndnYUs1b0I4aEVMYTl4SUNTZjlfazA5akpyc0lWR21ERmJOOG1rYVhDS3hPNVRCSm85aFg2Nnc1enJFTHZjeldod0w1VzlVTFEzQkdieC13OFZKbkp4dGNaSllZUHNhbm8xNlJKN2l0RzlFOG9vWVYxUFdicG1BLWtfYm9iT2VWU1FUZw?oc=5) · WV News
- 2016-11-18 [9 more charges for Grant County bank worker accused of stealing more than $47,000 - TelegraphHerald.com](https://news.google.com/rss/articles/CBMinAFBVV95cUxPSzVpT3Z3aUJTRnZ3SFFNeDFaZ3RJOFlyS1h1UU9kdHBDU0VTRWdPNXFaU0FQWlFsVTNnSXR1eGNLWjdiOFFacEpKaFJhUWdXbzI2eDBNYlBTcWVxb3ZDRjhlYm5LX0NKSUg3Q0pSN3NhcGdVb1p2S2xrOVduLXk3ekF0Z29zWHRySlFNelBCY0JUZTNfdXNncDh2M1E?oc=5) · TelegraphHerald.com
- 2026-09-04 [Private-sector deposit insurance is reemerging. Can it work? - American Banker](https://news.google.com/rss/articles/CBMimgFBVV95cUxQV1E2dU0zbFJsLUdJWXVOblpoWnJkVFhXSVd4WmZjb2N3LXhGcFFudXZfRWM4X09tMnZHdVFuLTJZMVFkMzlFY1dONzgybUhoV1JvQjVpa29aOTluU1FyVFduRC0xQzlfMFViQUV5akhrdEtfcGstNmRMSHY3VTNUZTVGcUM4WFczWXlkOGQ0cW5kZ2Z4RFJsQ0Jn?oc=5) · American Banker
- 2026-04-21 [Howard Samuel Forrer Obituary Apr 21, 2026 - hoskinsfh.com](https://news.google.com/rss/articles/CBMiX0FVX3lxTE9LTk1nU2NyWnlfY3hTNEhYZi1fLVBCaUc3aDU2TUdaQUh4OTRzS2R4TENocDRzLUMxWC1zdkFQTVhLcHVnNThHX3pGNmZoSVlId2duU3hIOXhIdDk3eWln?oc=5) · hoskinsfh.com
- 2025-04-30 [87-year-old Kansas man loses $30K in elaborate scam while trying to file taxes - kake.com](https://news.google.com/rss/articles/CBMi6AFBVV95cUxPS0pBMmNLNC1VRkFrek15d0hwYjJoWk15NTRzbXM5WGtMdVBtV2tiWHd3TnQ4UkpsTHZBcXQxRG5aeVRWOE83b1RPR2Rfa1hJVnZ5Vkg5X3hDYnlzZXFtSjU4alpsSmxUOXBDOFRJdjQyNW1KcVNUckZSbk04elJVSml5UUdjRDh1WlJ1bGhMcGd0S2xJNmJDWHJ3RlBZVG9qLXZtal9teEFuQndDQjNEQ1BhYkI3Yk56emQ5YjNtOElWUllueHZqa3YyUk13dXI3Z01VY3EyLVc3bkIwbnQ2OC1jX3JMeTVV?oc=5) · kake.com
- 2011-09-09 [Roger Kepley, a former Intrust Bank executive, to lead Rose Hill Bank after sale - The Business Journals](https://news.google.com/rss/articles/CBMiogFBVV95cUxPRjEzTnVramIyNHprYzFKa2xnYUxtTUhQT3FtdWwyRC1GNUpkckdPWlJQR1hrbnR3VDdTVWQ5blpFMnBPcHZpbVpMR2xZYzhNWHg2b0Y4MnZiNTY5MFgzZjV2MlRYV2FZOHlyMGJXVk9VTmFEemNNOEtDakE1U1lSUDVZdWVuTEpNTGd3ZE9WWVJjYzl6T096Tm8tcmhtYTBHNEE?oc=5) · The Business Journals
- 2022-08-27 [Karen Lou Forrer Obituary Aug 27, 2022 - hoskinsfh.com](https://news.google.com/rss/articles/CBMiXkFVX3lxTFBtZ2kzTU45eWMxOVVCamc4bjdvLTdCZmw5cTN2TktENjNhVmlfMUI0QnlJcWdMYUk1X25jaWFZcGV3b3VfV2REYkNlOVhmby1ES3c3cEhCZDJIa1hwZlE?oc=5) · hoskinsfh.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=10918 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/38.json (key "10918", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide