TellerScore

Grant County Bank (FDIC certificate #10918) is based in Ulysses, Kansas. Its Q2 2026 call report shows $298.3M in total assets and $251.7M in deposits and 2 offices.

Grant County Bank has a TellerScore of 69 out of 100 (moderate) based on Q2 2026 data — higher than only 40% of its 2,650 banks with $100 million – $1 billion. Among 185 banks headquartered in Kansas, it ranks 130th. Earnings contributes the most (91/100, 1.79%); loan quality contributes the least (31/100, 2.07%).

TellerScore · Q2 2026

Scorecard

Capital cushion83/100
Tier 1 leverage ratio: 13.32%
Loan quality31/100
Noncurrent loans ÷ total loans: 2.07%
Earnings91/100
Return on assets (annualized): 1.79%
Funding & liquidity68/100
Loans ÷ deposits and uninsured-deposit share: 67.4% · 36.9% uninsured
Problem-loan coverage82/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 9.02%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 13 points (56 → 69), mostly because the loan quality component improved by 31 points.

TellerScore
536781Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202481
Q3 202456
Q4 202453
Q1 202556
Q2 202556
Q3 202558
Q4 202562
Q1 202669
Q2 202669
Tier 1 leverage ratio
5.00%9.33%13.66%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202413.47%
Q3 202413.57%
Q4 202412.97%
Q1 202513.24%
Q2 202513.24%
Q3 202513.66%
Q4 202513.24%
Q1 202612.68%
Q2 202613.32%
Noncurrent loans
0.66%3.62%6.57%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.66%
Q3 20246.16%
Q4 20246.57%
Q1 20256.11%
Q2 20254.73%
Q3 20254.19%
Q4 20252.67%
Q1 20262.16%
Q2 20262.07%
Return on assets
1.33%1.64%1.96%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.48%
Q3 20241.34%
Q4 20241.33%
Q1 20251.48%
Q2 20251.43%
Q3 20251.48%
Q4 20251.54%
Q1 20261.96%
Q2 20261.79%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202669$298.3M13.32%2.07%1.79%67.4%
Q1 202669$306.3M12.68%2.16%1.96%62.1%
Q4 202562$308.9M13.24%2.67%1.54%62.8%
Q3 202558$299.6M13.66%4.19%1.48%69.6%
Q2 202556$307.6M13.24%4.73%1.43%68.5%
Q1 202556$298.3M13.24%6.11%1.48%65.6%
Q4 202453$306.8M12.97%6.57%1.33%60.6%
Q3 202456$296.9M13.57%6.16%1.34%65.4%
Q2 202481$296.3M13.47%0.66%1.48%62.9%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio13.32%
77th
Total risk-based capital0.00%
24th
Problem loans2.07%
12th
Net charge-offs-0.57%
100th
Return on assets1.79%
80th
Net interest margin3.75%
39th
Efficiency ratio58.6%
61st
Loans to deposits67.4%
73rd
Uninsured deposits36.9%
14th
Loan-loss reserves2.29%
96th
Texas ratio9.0%
20th

Similar-size banks in Kansas

InstitutionScoreAssetsCapitalProblem loansCompare
Kaw Valley State Bank and Trust CompanyBank Wamego, KS85 out of 100, Very strong$295.8M11.7%0.08%vs
First Kansas BankBank Hoisington, KS74 out of 100, Strong$294.4M8.3%0.00%vs
SJN Bank of KansasBank Saint John, KS37 out of 100, Low$302.9M9.2%6.97%vs
First Heritage BankBank Centralia, KS73 out of 100, Strong$303.4M9.0%0.00%vs
Vintage Bank KansasBank Leon, KS78 out of 100, Strong$288.6M11.6%0.53%vs
Fusion BankBank Larned, KS88 out of 100, Very strong$281.0M12.8%0.47%vs

Deposit insurance

Is my money safe at Grant County Bank?

Yes. Grant County Bank is an FDIC-insured institution (FDIC certificate #10918). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 36.9% of deposits ($92.9M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 13.32%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

2 locations

Branches

Grant County Bank lists 2 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Grant County Bank
Former names
The Grant County State Bank
Type
State-chartered bank
FDIC certificate #
10918
RSSD ID
207452
Primary regulator
FDIC
Holding company
Resource One Inc
Established
January 1, 1906
Headquarters
201 S Main St, Ulysses, KS 67880
Employees
54

Quick answers

Grant County Bank: common questions

Is Grant County Bank FDIC insured?

Yes. Grant County Bank is an FDIC-insured institution (FDIC certificate #10918). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Grant County Bank's TellerScore?

69 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Grant County Bank ever failed?

There is no failure record for FDIC certificate #10918 in the FDIC failed bank list.

How many branches does Grant County Bank have?

2 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Ulysses

InstitutionScoreAssetsCapitalProblem loansCompare
Johnson State BankBank Johnson, KS85 out of 100, Very strong$96.6M14.7%0.12%vs
Centera BankBank Sublette, KS78 out of 100, Strong$318.1M9.6%0.01%vs
Dream First Bank, National AssociationBank Syracuse, KS55 out of 100, Moderate$963.7M9.7%1.86%vs