Grant County Bank
Major Rating Factors:
Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.0 has resulted in Fair (4.8) profitability. A current level of 9.0 percent of nonperforming loans to core capital combined with 10.1 percent from a year earlier contributes to the Good asset quality (5.0).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 11.4. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.7 on a scale of 0 to 10).
Asset Mix:
Comm re (28%), home mtgs (27%), securities (13%), comm loans (5%), consumer loans (4%), cash (2%), home eq lns (1%), other (20%)
States with Branches:
WV
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Highlands Bankshares, Inc.
Investment Rating
Address
Three North Main Street
Petersburg, WV 26847
Petersburg, WV 26847
Phone Number
(304) 257-4111
Year Founded
1902
FDIC Number
Website
Largest Affiliates
Wardensville, WV
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Bank