# GRANT COUNTY BANK
PETERSBURG, WV · FDIC certificate 11953 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (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 | $407.1M | |
| Deposits | $356.8M | |
| Loans and leases | $309.7M | |
| Total equity | $43.2M | |
| Loans / deposits | 85.79% (p61 of band) | 82.04% |
| Liquid assets / assets | 18.62% (p28 of band) | |
| Uninsured deposits / deposits | 18.26% (p23 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.11% (p35 of band) | |
| FHLB advances / assets | 1.11% | |
| Tier 1 leverage | 11.00% (p55 of band) | 10.81% |
| Unrealized securities loss / equity | -5.33% (p61 of band) | -8.10% |
| AOCI / equity | -0.22% (p58 of band) | |
| ROA (annualized) | 1.27% (p50 of band) | 1.28% |
| Net interest margin | 4.40% (p77 of band) | 3.91% |
| Efficiency ratio | 64.17% (p59 of band) | |
| Noncurrent loans | 0.91% (p70 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p20 of band) | |
| Reserve coverage of noncurrent | 128.58% | |
| Real estate % of loans | 88% | |
| Construction % of loans | 66.64% (p69 of band) | |
| Auto loans | $4.8M (1.55% of loans; DQ 4.54%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 9.8% | |
| Employees | 81 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | liquid assets <10%, reserve under noncurrent |  |
| 2011-06 | 2 | charge-offs p90 | liquid assets <10% |
| 2011-09 | 1 |  | charge-offs p90 |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | charge-offs p90 |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 3 | assets shrinking, uninsured deposits leaving | charge-offs p90 |
| 2012-12 | 1 |  | assets shrinking, uninsured deposits leaving |
| 2013-03 | 2 | noncurrent p90 |  |
| 2013-06 | 1 |  | noncurrent p90 |
| 2013-09 | 2 | charge-offs p90 |  |
| 2013-12 | 1 |  | reserve under noncurrent |
| 2014-03 | 1 | reserve under noncurrent | charge-offs p90 |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 2 | charge-offs p90 |  |
| 2015-06 | 1 |  | charge-offs p90 |
| 2015-09 | 2 | charge-offs p90 |  |
| 2015-12 | 1 |  | charge-offs p90 |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 2 | uninsured deposits leaving |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 3 | capital falling |  |
| 2018-03 | 2 |  | capital falling |
| 2018-06 | 1 |  | uninsured deposits leaving |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 3 | capital falling, charge-offs p90 |  |
| 2020-06 | 3 |  |  |
| 2020-09 | 2 |  | charge-offs p90 |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 1 |  | capital falling |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 2 | noncurrent p90 |  |
| 2023-03 | 2 |  |  |
| 2023-06 | 3 | charge-offs p90 |  |
| 2023-09 | 4 | capital falling |  |
| 2023-12 | 3 |  | charge-offs p90 |
| 2024-03 | 2 |  | capital falling |
| 2024-06 | 2 |  |  |
| 2024-09 | 2 | capital falling | noncurrent p90 |
| 2024-12 | 3 | noncurrent p90 |  |
| 2025-03 | 2 |  | noncurrent p90 |
| 2025-06 | 2 |  |  |
| 2025-09 | 1 |  | capital falling |
| 2025-12 | 1 |  |  |
| 2026-03 | 0 |  | reserve under noncurrent |
| 2026-06 | 0 |  |  |

## 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
- 2026-07-01 [The Grant County Bank Completes Transition to Highlands Bank Name and Brand - West Virginia Press Association](https://news.google.com/rss/articles/CBMirgFBVV95cUxNRWxlQkp3dlhnd3RtdExiQlp1WjAtNUFINW5LNmFCUFhIMURCUUlvTFRESzR4a1N1eVI1NXhaeU5jRlJkY25LMGdBcTBVR1ZMSTdJTmZFZVh4RXFUQ1J4T25WbjhOMW9nWUdzV1psRlBhaWZLTlgzQjBjRmJJMWJEd0UtOWtraU4wOTdhVDJiT1RISjZqT2dNcVZoN1BvbWxuMUNZUk5LaDNxMFU4LVE?oc=5) · West Virginia Press Association
- 2026-06-02 [The Grant County Bank Announces New Falling Waters Branch - Parsons Advocate](https://news.google.com/rss/articles/CBMirAFBVV95cUxOVDJjS3NWTGFYZVh2RS1XUnAzU0wyMDNFSXp3blp1R0NSZW9WX1BsU1dNZmExemdXbkFvNjYwbkl0Unk0SWxyRURTNlMxOWN4TUI1VElVRzRzNWtHdlZfbmNfUDBuM3ZMUk1oOHUxRWRrUjJnQ2wtcHZodXV3QTNLSnlYN2Z3aENXSHRiUXVQeUpiWld3bUZtblhGVFJjOWJmR1FRUnN3aXdDRzA1?oc=5) · Parsons Advocate
- 2024-08-28 [Grant County Bank announces promotions - - The Intermountain](https://news.google.com/rss/articles/CBMingFBVV95cUxPMmNZaXpIVmExNk9xRkZRY21TVzJtU1AyVU1vd0ZfMHctOFJ5SGNlMXQ5WUxSRkd5ZTZfWmlWM2RlWk9zb3Z3dGEwQ0V1eUNoRFdmcThnQ1NJUGdxWWpYMlNtc1I1WjNNVTNZQldpM3BtZWFFU182Z0JRSHBwX2F0SVd6T1JqTHB3dkFEX3psbFJWcURpdHNRQl83THhuUQ?oc=5) · The Intermountain
- 2019-05-19 [Keyser native named to Grant County Bank board of directors - The Cumberland Times-News](https://news.google.com/rss/articles/CBMi5AFBVV95cUxNeHYxYnJMQW9jRl9zLUlKSFJJdWxUQ0ZJRmhyYm8zcFpEbFRKOWZTbk1jN21oa19BLVpoVm5UaTRUSFFGczlISVBWV2FxUlF2YW5laExHM3BSV1B2Mk5MLS14dmlTUGtVMkFVbUhHbkJPTHZpWWVIaUgtZ1kwWE13WWtyTEVRVGFSbUlTTmhncEdDNHVkTTY3OXpGZE8zQmN1R1FidFFrbnc3M2d5QXRMbkp4QkpLYm5Ba3E1Y1ZXR29LSTV6SGVyS0NpRlFkN1RzRTYwMDBsSjZINnVGOUxsNW03WlE?oc=5) · The Cumberland Times-News
- 2024-06-28 [Notice of updated hours at Grant County Bank branches - West Virginia Press Association](https://news.google.com/rss/articles/CBMikAFBVV95cUxNdS1MY08xZkxwWldQY1kyLTc5M2FHZ0N0V29IcVNVNUZCZ0d0M2EtQV9wZWFuSkh2OW5jWGUyTUM5RVBRbEJfQi0yVXRFSnVzQkRCRTJKaGlicDZCVDgyRDBUVVd2T0FmRGdpdVJPMllsMWx1RTFZZFpJTkNTaGNieG0tZkhaR2pvNGNXS21hamI?oc=5) · West Virginia Press Association
- 2025-05-29 [Teed Up for Impact: The Grant County Bank’s Annual Golf Tournament Supports Cancer Research - West Virginia Press Association](https://news.google.com/rss/articles/CBMiwAFBVV95cUxOYXNINlM0MW05YXBqaFNNMGdXZWpnTVNqeDRYZk54WjlucEJvcXNvLVNkTnUyQy1pbk01SG5UVDR2T2t1dHhSRkZ6Y3RkOGc5dXhuNDE4WG5zeFpkdE1rZ3BzTTdSZ2sxMXJLOC13R0JHYTJ4RmtnYzdWd0czdHhibVN1N2tQaE5rT0YwMklIQ3ItNmNKNUtTM3ZGZmhFMF9WT0dWZnBxa3I2SHp6MmV2UWZZNzdDdTZoOFdHbHVsSjA?oc=5) · West Virginia Press Association
- 2023-04-21 [Grant County Bank donates $10,000 to local food pantry - West Virginia Press Association](https://news.google.com/rss/articles/CBMijwFBVV95cUxQT3d3U3V2cnVpTXVUcTlDRHVsMjduUlpIYlNzRmJ1ejlxS2wxVVlwNmRUMTV1T3Y1MXZ0RWNkbW1NaC1oaldYRk9ld1hkdlJSbXNJOUN6UHVyMEFndElKNG9VUjJDTzhOWTVVc2VrN0ZFMkZoTmFtSjlmQjRtam90QTEzSzhHSm4tTmIyZzdJUQ?oc=5) · West Virginia Press Association

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=11953 (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/49.json (key "11953", 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