Grant County Bank
Medford, OK · Cert 15778 · Peer group: banks under $1B in assets in OK (n=88-89)
State charter, Fed member · FED · 1 branch
Q2 2026
$58.4MAssets
$10.6MLoans
$49.2MDeposits
$8.9MEquity
Executive Summary
- Strongest standing: equity / assets outperforms 87% of banks under $1B in assets in OK (rank 12 of 89).
- Widest gap: net interest margin trails 100% of banks under $1B in assets in OK (rank 89 of 89).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
-0.03%
Rank 84 of 89
Net Interest Margin
2.03%
Rank 89 of 89
Efficiency Ratio
101.45%
Rank 85 of 89
Equity / Assets
15.28%
Rank 12 of 89
Non-interest income vs. expense
Unfavorable gap of $1.2M · efficiency ratio beats 6% of banks under $1B in assets in OK | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | -0.03% | 0.85% | 1.26% | 1.60% | Beats 6% | 84 / 89 | | |
| Return on Equity | -0.20% | 7.40% | 11.89% | 14.65% | Beats 6% | 84 / 89 | | |
| Net Interest Margin | 2.03% | 3.46% | 3.93% | 4.45% | Beats 0% | 89 / 89 | | |
| Efficiency Ratio | 101.45% | 54.70% | 60.95% | 71.14% | Beats 6% | 85 / 89 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.12% | 0.30% | 0.82% | 2.25% | Beats 81% | 18 / 88 | | |
| Net Charge-Offs / Loans | 0.29% | 0.00% | 0.03% | 0.20% | Beats 22% | 70 / 88 | | |
| Capital |
| Tier 1 Capital Ratio | 15.59% | 10.89% | 13.00% | 16.33% | Beats 71% | 26 / 89 | | |
| Total Risk-Based Capital Ratio | 15.59% | 11.20% | 13.06% | 16.33% | Beats 69% | 28 / 89 | | |
| Equity / Assets | 15.28% | 9.26% | 10.94% | 13.52% | Beats 87% | 12 / 89 | | |
| Liquidity & Funding |
| Loans / Deposits | 21.65% | 61.51% | 72.27% | 84.01% | 1st pctl | 87 / 88 | | |
| Loans / Assets | 18.24% | 52.51% | 63.15% | 71.27% | 2nd pctl | 87 / 89 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |