Grant County Bank (FDIC #11953): Bank Stress & Real-Estate Credit Exposure
Grant County Bank (FDIC Cert #11953): bank stress 63/100, elevated, STABLE over 7 days; parent HIGHLANDS BANKSHARES INC.
Grant County Bank (#11953) lends in 6 counties across 1 state; Grant County Bank (#11953) reaches 64 ZIP codes: West Virginia 6 counties, 64 ZIPs.
Grant County Bank (#11953) largest markets: Randolph County, WV (23 branches, 23 ZIPs) (#11953), Grant County, WV (12 branches, 12 ZIPs) (#11953), Hardy County, WV (11 branches, 11 ZIPs) (#11953), Tucker County, WV (22 branches, 11 ZIPs) (#11953), Mineral County, WV (10 branches, 10 ZIPs) (#11953), Pendleton County, WV (10 branches, 10 ZIPs) (#11953).
Grant County Bank (#11953) reports $407.1 million in total assets; Grant County Bank (#11953) equity $43.2 million (10.6% of Grant County Bank (#11953) assets); Grant County Bank (#11953) domestic deposits $356.8 million; Grant County Bank (#11953) net income $2.5 million; Grant County Bank (#11953) return on assets 1.27%; Grant County Bank (#11953) return on equity 11.95%; Grant County Bank (#11953) net interest income $8.2 million; Grant County Bank (#11953) call report June 30, 2026.
Grant County Bank (#11953) noncurrent real-estate loans: none reported; Grant County Bank (#11953) residential -0.04%; Grant County Bank (#11953) net charge-offs on real estate 1.01%; Grant County Bank (#11953) residential charge-offs 1.01%.
Grant County Bank (#11953) net interest margin 4.40% against an eight-quarter Grant County Bank (#11953) average of 4.18% (Grant County Bank (#11953) compression -0.22 points); Grant County Bank (#11953) non-residential real estate 100.7% of equity; Grant County Bank (#11953) rate-exposure score 40/100, Grant County Bank (#11953) fixed-rate trap 40/100; Grant County Bank (#11953) risk type credit driven; Grant County Bank (#11953) rate regime rates elevated, Grant County Bank (#11953) snapshot October 19, 2026.
Grant County Bank (#11953) stress score moved from 61.7 on June 22, 2026 to 62.9 on October 20, 2026; Grant County Bank (#11953) ranged 61.7 to 62.9 over 117 snapshots.
Grant County Bank (#11953) alerts: 6 counties; top Grant County Bank (#11953) alert scores: Davis County, WV 21 (low); Harman County, WV 21 (low); Keyser County, WV 21 (low); Moorefield County, WV 21 (low); Petersburg County, WV 21 (low).