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Grant County Bank

Medford, OK · Cert 15778

State charter, Fed member · FED · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in OK3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in OK (n=87 to 88). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

75

Q2 2024Q2 2026peer median (50)

Asset Quality

52

Q2 2024Q2 2026peer median (50)

Profitability

4

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

6

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-10

Grant County Bank

Medford, OK · Cert 15778

State charter, Fed member · FED · 1 branch

Q2 2026

$58.4MAssets
$10.6MLoans
$49.2MDeposits
$8.9MEquity
Loan mix
52%RE $3.5M21%C&I $1.4M27%Consumer $1.8MQ3 2024Q2 2026
Deposit mix
87%Interest-bearing $42.7M13%Noninterest $6.5MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of -0.03%, down 10 bps year over year; NIM at 2.03%.
  • Asset quality: problem loans at 0.12% of loans (-46 bps YoY), with net charge-offs at 0.58%.
  • Capital: tier 1 leverage ratio of 15.59%, down 67 bps from a year ago.
  • Funding: loans stand at 21.65% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

-0.03%-10 bps YoY

Net Interest Margin (YTD, annualized)

2.03%-3 bps YoY

Efficiency Ratio (YTD, annualized)

101.45%+532 bps YoY

Tier 1 Leverage Ratio

15.59%-67 bps YoY

NIM

4.50%Q2 ’244.30%Q2 ’253.89%Q2 ’26-17%-1%

Non-interest income vs. expense

2.16%Q2 ’242.19%Q2 ’252.14%Q2 ’26-4%+5%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.22%0.15%0.20%0.07%0.05%-0.02%-0.07%-0.03%-10 bps
Return on Equity1.54%1.02%1.44%0.46%0.30%-0.12%-0.49%-0.20%-66 bps
Net Interest Margin2.44%2.31%2.19%2.06%2.11%2.08%1.95%2.03%-3 bps
Efficiency Ratio88.90%92.47%88.73%96.13%97.38%100.80%103.65%101.45%+532 bps
Non-Interest Burden2.16%2.13%1.93%1.97%2.05%2.10%2.03%2.06%+9 bps
Growth
Asset Growth (YoY)-5.38%5.52%1.08%-2.62%-2.58%0.90%2.59%5.87%+849 bps
Loan Growth (YoY)-0.13%-5.60%-32.59%-34.06%-35.83%-33.49%-2.92%-6.88%+2,718 bps
Deposit Growth (YoY)-8.06%6.97%0.15%-3.97%-3.34%0.30%2.58%6.66%+1,063 bps
Asset Quality
Nonperforming Loans / Loans0.56%3.10%0.97%0.58%0.34%0.28%0.55%0.12%-46 bps
Net Charge-Offs / Loans-0.07%1.06%1.23%0.63%0.44%0.35%0.07%0.58%-5 bps
Allowance / Loans3.59%2.52%3.34%3.41%3.54%3.44%3.40%3.34%-7 bps
Allowance Coverage of NPLs6.4x0.8x3.5x5.9x10.5x12.1x6.2x27.4x+21.5x
Capital
Tier 1 Leverage Ratio16.20%15.47%15.35%16.27%16.64%16.42%15.57%15.59%-67 bps
Total Risk-Based Capital16.20%15.47%15.35%16.27%16.64%16.42%15.57%15.59%-67 bps
Equity / Assets15.52%13.55%14.93%15.74%16.24%14.16%15.04%15.28%-46 bps
Liquidity & Funding
Loans / Deposits36.66%31.69%23.92%24.80%24.34%21.01%22.64%21.65%-315 bps
Liquid Assets / Assets13.51%14.99%16.54%12.01%17.10%14.23%9.09%8.83%-317 bps
CRE / Total Capitaln/an/an/an/a16.00%15.84%14.49%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-10

Grant County Bank

Medford, OK · Cert 15778 · Peer group: banks under $1B in assets in OK (n=87-88)

State charter, Fed member · FED · 1 branch

Q2 2026

$58.4MAssets
$10.6MLoans
$49.2MDeposits
$8.9MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 86% of banks under $1B in assets in OK (rank 12 of 88).
  • Widest gap: net interest margin trails 100% of banks under $1B in assets in OK (rank 88 of 88).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

-0.03%

Rank 83 of 88

Net Interest Margin

2.03%

Rank 88 of 88

Efficiency Ratio

101.45%

Rank 84 of 88

Equity / Assets

15.28%

Rank 12 of 88

Non-interest income vs. expense

$0.0M$1.3MINCOMEEXPENSE
Unfavorable gap of $1.2M · efficiency ratio beats 6% of banks under $1B in assets in OK
Bank 101.45%Peer median 61.5%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets-0.03%0.85%1.26%1.62%Beats 6%83 / 88
Return on Equity-0.20%7.40%11.89%14.66%Beats 6%83 / 88
Net Interest Margin2.03%3.51%3.93%4.47%Beats 0%88 / 88
Efficiency Ratio101.45%54.70%61.50%71.28%Beats 6%84 / 88
Asset Quality
Nonperforming Loans / Loans0.12%0.30%0.82%2.25%Beats 82%17 / 87
Net Charge-Offs / Loans0.29%0.00%0.03%0.20%Beats 22%69 / 87
Capital
Tier 1 Capital Ratio15.59%10.89%13.04%16.40%Beats 70%26 / 88
Total Risk-Based Capital Ratio15.59%11.20%13.09%16.43%Beats 68%28 / 88
Equity / Assets15.28%9.26%10.95%13.63%Beats 86%12 / 88
Liquidity & Funding
Loans / Deposits21.65%60.39%72.27%84.01%1st pctl86 / 87
Loans / Assets18.24%52.51%63.37%71.46%2nd pctl86 / 88
Brokered Deposits / Depositsn/aNot reported for this institution