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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Swayzee, IN · FDIC certificate #15687
GRANT COUNTY STATE BANK is an FDIC-insured institution based in Swayzee, IN (FDIC certificate #15687). In its Q3 2026 Call Report it reported total assets of $395M, total deposits of $304M and net loans of $327M. Its primary federal regulator is FDIC.
Plain-language readout
GRANT COUNTY STATE BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $396M in Q1 2026 and were lowest at $395M in Q3 2026.
Total deposits were highest at $308M in Q1 2026 and lowest at $304M in Q3 2026.
Over the whole period total assets fell 0.2%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $395M | $304M | $327M | 3.03% | 25.70% | 4.12% |
| Q2 2026 | $396M | $308M | $319M | 3.03% | 26.20% | 4.09% |
| Q1 2026 | $396M | $308M | $309M | 2.87% | 24.97% | 3.98% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $66.0M | $76.3M | -$10.4M | -13.6% |
| Federal funds sold | $0K | $0K | $0K | n/a |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $0K | $0K | $0K | n/a |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $319.2M | $309.2M | +$10.1M | +3.3% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $1.4M | $1.5M | -$29K | -2.0% |
| Other real estate owned | $159K | $159K | $0K | 0.0% |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $8.9M | $8.8M | +$191K | +2.2% |
| Total assets | $395.7M | $395.9M | -$148K | -0.0% |
| Liabilities | ||||
| Total deposits | $308.2M | $308.3M | -$93K | -0.0% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $40.0M | $40.0M | $0K | 0.0% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $1.2M | $1.1M | +$46K | +4.0% |
| Total liabilities | $349.4M | $349.4M | -$47K | -0.0% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $220K | $220K | $0K | 0.0% |
| Surplus | $2.1M | $2.1M | $0K | 0.0% |
| Retained earnings | $44.0M | $44.1M | -$101K | -0.2% |
| Accumulated other comprehensive income | $0K | $0K | $0K | n/a |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $46.3M | $46.4M | -$101K | -0.2% |
| Credit and capital | ||||
| Gross nonperforming assets | $7.8M | $6.0M | +$1.8M | +29.7% |
| Adjusted nonperforming assets | $7.8M | $6.0M | +$1.8M | +29.7% |
| Tangible equity plus allowance | $52.7M | $52.6M | +$61K | +0.1% |
| Texas ratio (gross) | 14.84% | 11.46% | +3.38 pts | See points |
| Texas ratio (adjusted) | 14.84% | 11.46% | +3.38 pts | See points |
| Texas ratio (adjusted, with performing restructured) | Not reported | Not reported | Not reported | See points |
| Tier 1 capital to risk-weighted assets | 17.55% | 18.27% | -0.73 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 17.55% | 18.27% | -0.73 pts | See points |
| Tier 2 capital to risk-weighted assets | 1.26% | 1.26% | -0.00 pts | See points |
| Total risk-based capital to risk-weighted assets | 18.81% | 19.54% | -0.73 pts | See points |
| Tier 1 leverage (approximate) | 11.73% | 11.92% | -0.19 pts | See points |
| Construction and land loans to total capital | 17.92% | 12.05% | +5.87 pts | See points |
| Commercial real estate to total capital | 61.82% | 59.23% | +2.59 pts | See points |
| Dividend payout, year to date | 54.43% | 0.00% | +54.43 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | 0.00% | 0.00% | 0.00 pts | See points |
| Liquidity | ||||
| Core deposits | $260.7M | $260.8M | -$64K | -0.0% |
| Non-core funding | $87.5M | $87.5M | -$29K | -0.0% |
| Loans to core deposits | 124.87% | 120.93% | +3.95 pts | See points |
| Loans to deposits | 105.64% | 102.30% | +3.34 pts | See points |
| Brokered deposits share of deposits | 3.23% | 3.22% | +0.00 pts | See points |
| Pledged securities share of securities | Not reported | Not reported | Not reported | See points |
| Loans pledged, share of loans | 66.50% | 69.82% | -3.32 pts | See points |
| Volatile liabilities | $118.6M | $118.7M | -$29K | -0.0% |
| Earnings | ||||
| Earnings before provision, year to date | $6.3M | $3.0M | +$3.3M | +110.9% |
| Earnings before provision, single quarter | $3.3M | $3.0M | +$328K | +10.9% |
| Provision for credit losses, year to date | $378K | $189K | +$189K | +100.0% |
| Yield and cost | ||||
| Yield on loans and leases | 7.86% | 7.83% | +0.03 pts | See points |
| Yield on interest-bearing balances due from banks | 3.99% | 3.33% | +0.66 pts | See points |
| Total interest income to average assets | 7.12% | 6.93% | +0.19 pts | See points |
| Cost of interest-bearing transaction accounts | 0.74% | 0.76% | -0.02 pts | See points |
| Cost of savings and money market deposits | 0.42% | 0.63% | -0.21 pts | See points |
| Cost of time deposits | 4.68% | 4.62% | +0.05 pts | See points |
| Total interest expense to average assets | 3.06% | 3.05% | +0.01 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $395M | $304M | $327M | 3.03% | 25.70% | 4.12% |
| 2026-06-30 | $396M | $308M | $319M | 3.03% | 26.20% | 4.09% |
| 2026-03-31 | $396M | $308M | $309M | 2.87% | 24.97% | 3.98% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| IN | $292.4M | 0.14% | 75 | Continuing · +0.02 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.