Grant County Bank

What Grant County Bank does

Grant County Bank is a locally-owned community bank headquartered in Ulysses, Kansas, with a second branch in Garden City, operating continuously since its 1907 charter (originally as Grant County State Bank, renamed in 1993). The bank serves individual consumers, small-to-mid-size businesses, and agricultural operations in Southwest Kansas, offering a full suite of personal and business deposit products (e-Free Checking, Classic Checking, Secure Checking, Regular and Business Savings, Money Market, CDs with terms from 7 days to 5 years, IRAs, HSA, and CDARS/ICS for multi-million dollar FDIC coverage) and lending products spanning personal loans, auto loans, home equity, residential mortgages, business term loans, lines of credit, commercial real estate, and agriculture loans for working capital, livestock, irrigation, crop production, and farm real estate.

The bank's technology stack consists of standard community-banking infrastructure: a MultiKey four-part authentication login security system, 128-bit SSL encryption, an iOS/Android mobile banking app with mobile deposit, online banking with bill pay, and Remote Deposit Capture for business customers. The bank relies on a network of third-party partners — Elan Financial Services (Visa credit card issuance), Cetera Investment Services (wealth management referrals), SHAZAM and AllPoint (55,000+ surcharge-free ATMs and debit network with Falcon fraud alerts), Popmoney (P2P payments), and historically MX/MoneyDesktop (financial aggregation, ending February 28, 2026) — and uses DocuSign for electronic signatures on account forms. A 2024 mobile app update introduced a new login method and 'Snap Balance' feature for quick balance viewing.

Revenue is generated through traditional community-banking mechanics: net interest income from the lending book and deposits, fee income from overdraft ($25/item), wire transfers, stop payments, safe deposit box rentals, and account maintenance, plus referral economics from the Cetera investment services partnership. The bank employs 11-50 people, holds an NMLS license (#462863) and is FDIC-insured, and is led by President/CEO Margaret Nightengale and Board Chairman Thomas J. Pinnick. Ownership is concentrated among local community members, with director lineage tracing back to Dan C. Sullivan, the second settler in Grant County. The bank has no parent company, no subsidiaries, no M&A activity on record, and no publicly disclosed revenue or funding rounds.

Name

Grant County Bank

Legal name

Grant County Bank

Website

https://gcbks.bank

Company type

Private

Founded year

1907

Operating status

Operating

Headcount range

11–50 employees

Short description

Grant County Bank is a locally-owned community bank founded in 1907 in Ulysses, Kansas, serving individuals, small-to-mid-size businesses, and agricultural operations in Southwest Kansas with personal and business deposit accounts, loans, wealth management, and digital banking services.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Depository Credit Intermediation (5221), Savings Institutions and Other Depository Credit Intermediation (522180)

SIC

State Commercial Banks (6022)

akta.pro primary industry

Savings Banks (Public/State-Owned) (FSABAKAK)

Keywords

• Retail banking services
• Community banking
• Agricultural lending
• Commercial lending
• Consumer deposits

Headquarters

HQ city

Ulysses

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales, Others

Revenue model

1. Interest Income: Traditional banking interest spread income from lending activities including personal loans, mortgages, business loans, and agricultural loans. Interest earned on checking, savings, money market accounts, and CDs.
2. Fee Income: Various service fees including overdraft fees ($25), ATM fees, wire transfer fees, stop payment fees, account research fees, safe deposit box rentals, and other transaction-based charges.
3. Service Charges: Monthly service fees on certain accounts, early account closing fees, dormant account fees, and statement fees.
4. Investment Services Referral: Partnership with Cetera Investment Services for investment products and wealth management; bank earns referral or partnership revenue.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels4 records

Core offering

Grant County Bank is a community bank providing personal and business deposit accounts (checking, savings, money market, CDs, IRAs, HSA, youth savings), consumer and commercial lending (personal, auto, home equity, mortgage, business term loans, lines of credit, commercial real estate, agriculture loans), Visa credit and debit cards, digital banking (online/mobile with bill pay and mobile deposit), merchant services (ACH, remote deposit capture, card processing), and trust and investment services through a Cetera referral partnership. Offerings are delivered through branches in Ulysses and Garden City, KS, an online and mobile platform, telephone banking, and an ATM network of 55,000+ surcharge-free machines.

Product overview

Grant County Bank is a locally-owned community bank established in 1907 offering a comprehensive range of personal and business banking products. The bank's product portfolio includes multiple checking accounts (e-Free Checking, Classic Checking, Secure Checking for personal; Business Checking Account, Classic Business Checking for business), savings accounts (Regular Savings, Money Market, Youth Savings with Turtle Club, IRAs, HSA, CDARS/ICS, and various CD terms), loans (Personal Loans, Auto Loans, Home Equity, Home Mortgages, Business Term Loans, Lines of Credit, Commercial Real Estate, Agriculture Loans, and Personal/Business Credit Cards), and digital banking services (Online Banking with Bill Pay, Mobile Banking with Mobile Deposit, P2P Payments, E-statements, MoneyDesktop, Telephone Banking). Business services include ACH, Merchant Card Processing, Remote Deposit Capture, Trust Services, and Cetera Investments. The bank also offers debit/ATM cards with surcharge-free ATM access through AllPoint and SHAZAM networks, and additional services like safe deposit boxes, wire transfers, and financial calculators. The bank operates branches in Ulysses and Garden City, Kansas, with weekend help desk support.

Differentiator

Problem solved

Functional benefit

Products and services

• e-Free Checking
• Classic Checking
• Secure Checking
• Business Checking Account
• Classic Business Checking
• Regular Savings Account
• Money Market Account
• Youth Savings Accounts (Turtle Club & Child Savings)
• Certificates of Deposit (CDs)
• Business Certificates of Deposit (CDs)
• Individual Retirement Accounts (IRAs)
• Health Savings Account (HSA)
• CDARS & ICS
• Regular Business Savings Account
• Business Money Market Account
• Personal Loans
• Auto Loans
• Home Equity Loans
• Home Mortgage Loans
• Business Term Loans
• Business & Agriculture Lines of Credit
• Commercial Real Estate Loans
• Agriculture Loans
• Personal Credit Cards
• Business Credit Cards
• Debit Cards
• Business Debit Cards
• Online Banking & Bill Pay
• Mobile Banking with Mobile Deposit
• Person-to-Person (P2P) Payments
• Overdraft Protection
• ACH Services
• Merchant Card Services
• Remote Deposit Capture
• Trust Services
• Investments (Cetera)
• ATMs (Surcharge-Free)
• Telephone Banking

Segments4 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration7 records

Feature4 records

Partnerships

Five partnerships are on record, tiered core.

• Cetera Investment ServicescoreGTM or Marketing PartnerCetera Financial Group provides investment products and wealth management solutions through Marcia Swann, Investment Advisor. Bank offers investment referral services to customers seeking investment, retirement planning, and wealth management.
• AllPoint ATM NetworkcoreTechnology or IntegrationAllPoint network provides access to 55,000+ surcharge-free ATMs nationwide for GCB customers.
• SHAZAM ATM NetworkcoreTechnology or IntegrationSHAZAM network provides surcharge-free ATM access and fraud monitoring (Falcon alerts) for debit cards. Also handles fraud alerts and card security services.
• ICS/CDARS Network BankscoreTechnology or IntegrationInsured Cash Sweep (ICS) and Certificate of Deposit Account Registry Service (CDARS) networks allow multi-million dollar FDIC coverage by distributing deposits across network banks.
• Elan Financial ServicescoreTechnology or IntegrationElan Financial Services is the creditor and issuer of Visa credit cards offered through GCB, providing card processing, fraud liability protection, and 24/7 customer service.

Scale indicators3 records

Recent moves7 records

Expansion highlights5 records

Direct peers

• Emprise Bank: Wichita, Kansas-based community bank offering personal checking, savings, loans, business banking, and wealth management with strong Kansas community orientation. Directly comparable to GCB in product mix and customer focus, though larger in scale and footprint.
• Heartland Tri-State Bank: Small community bank headquartered in Elkhart, Kansas (Southwest Kansas), serving agricultural and small business customers with personal and commercial banking products. Highly comparable in size, geography, and ag lending orientation.
• Citizens Bank of Kansas: Kingman, Kansas community bank with personal and commercial banking products, ag lending, and trust services. Directly comparable as a small Kansas community bank with similar product breadth and rural/small-city customer base.
• Peoples Bank & Trust: Iola, Kansas-based community bank offering personal and business banking, loans, and trust services with a similar small-town full-service model. Closely comparable in product breadth, community focus, and Kansas-based community bank positioning.
• Community National Bank & Trust: Small community bank operating across multiple Kansas markets with personal and business banking, ag lending, and trust services. Closely comparable to GCB in business model, size, and customer segments.
• First National Bank of Hutchinson: Hutchinson, Kansas community bank offering personal banking, mortgages, business lending, and ag financing. Comparable community bank profile in Kansas with similar full-service product suite.
• First State Bank & Trust: Tonganoxie, Kansas community bank providing personal and business banking, mortgages, and ag lending. Comparable Kansas-based community banking model with similar size and product focus to Grant County Bank.

Broad incumbents

• Sunflower Bank: Kansas-headquartered community bank with significant agricultural and commercial lending operations across multiple states. Comparable ag lending and business banking focus, but with substantially broader geographic distribution and digital capabilities than GCB.
• INTRUST Bank: Wichita, Kansas-based community bank with a much larger branch network across Kansas, Oklahoma, and Missouri. Comparable in serving community banking customers with personal, business, and ag lending, but operates at significantly greater scale and geographic reach than Grant County Bank.

Others

• Elan Financial Services: Visa credit card issuer and processor partnered with GCB to issue personal and business credit cards. Not a direct competitor but a key vendor/ecosystem partner delivering card products and processing services that GCB lacks in-house.

Market position

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/GrantCountyBank
• Xx.com/GrantCountyBank

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Grant County Bank