Grant County Bank vs Sm
Comparing a Bank in Ulysses, KS with a Credit Union in Mission, KS using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| Grant County Bank ↗ Bank · Ulysses, KS · Est. 1906 | Sm ↗ Credit Union · Mission, KS · Est. 1960 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 98/100 |
| Institution type | Bank | Credit Union |
| Location | Ulysses, KS | Mission, KS |
| Total assets | $306.3M | $77.8M |
| Capital ratio | 11.5% | 19.4% |
| Return on assets | 2.0% | 1.3% |
| Deposits | $260.8M | — |
| Branches | 2 | 2,364 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #2 of 186 | #2 of 62 |
| Established | 1906 | 1960 |
Grant County Bank
- Assets: $306.3M
- Deposits: $260.8M
- Capital ratio: 11.5%
- Return on assets: 2.0%
- CFPB complaints: 0
- State rank: #2 of 186
Sm
- Assets: $77.8M
- Members: 2,364
- Capital ratio: 19.4%
- Return on assets: 1.3%
- CFPB complaints: 0
- State rank: #2 of 62
Are both institutions federally insured?
Yes. Grant County Bank is FDIC-insured and Sm is NCUA-insured. Both protect deposits up to $250,000 per depositor, per ownership category, regardless of Trust Grade. The Trust Grade reflects financial strength and complaint history — not the safety of insured deposits. Estimate your coverage →
Frequently asked questions
Which is better, Grant County Bank or Sm?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — Grant County Bank scores higher with a grade of A (98/100). However, "better" depends on your needs: if you prioritize branch access, local service, or membership eligibility for a credit union, the lower-scoring option may still be the right choice for you.
Is Grant County Bank safe?
Yes — Grant County Bank is FDIC-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected regardless of the institution's Trust Grade. Its Trust Grade is A (98/100), reflecting its financial strength and complaint history relative to peers.
Is Sm safe?
Yes — Sm is NCUA-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected. Its Trust Grade is A (98/100).
What is the capital ratio of Grant County Bank vs Sm?
Grant County Bank has a capital ratio of 11.5%, placing it in the top 32% of $100M–1B peers. Sm's ratio is 19.4%, placing it in the top 24% of <$100M peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does Grant County Bank have compared to Sm?
The CFPB database shows 0 complaints against Grant County Bank, and 0 complaints against Sm. The per-$1B rate adjusts for institution size and is a more meaningful comparison metric.
How does Bankzia calculate the Trust Grade?
The Trust Grade combines a financial strength score (based on capital ratio, return on assets, and other FDIC/NCUA metrics) with a customer experience score derived from CFPB complaint data. The scores are weighted and normalized within peer groups by institution size and type. See our full methodology for details.
Compare Grant County Bank with other Banks in Kansas
Financial data from FDIC and NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is independent and not affiliated with any government agency or financial institution.
