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
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% | 1.62% | Beats 6% | 83 / 88 | | |
| Return on Equity | -0.20% | 7.40% | 11.89% | 14.66% | Beats 6% | 83 / 88 | | |
| Net Interest Margin | 2.03% | 3.51% | 3.93% | 4.47% | Beats 0% | 88 / 88 | | |
| Efficiency Ratio | 101.45% | 54.70% | 61.50% | 71.28% | Beats 6% | 84 / 88 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.12% | 0.30% | 0.82% | 2.25% | Beats 82% | 17 / 87 | | |
| Net Charge-Offs / Loans | 0.29% | 0.00% | 0.03% | 0.20% | Beats 22% | 69 / 87 | | |
| Capital |
| Tier 1 Capital Ratio | 15.59% | 10.89% | 13.04% | 16.40% | Beats 70% | 26 / 88 | | |
| Total Risk-Based Capital Ratio | 15.59% | 11.20% | 13.09% | 16.43% | Beats 68% | 28 / 88 | | |
| Equity / Assets | 15.28% | 9.26% | 10.95% | 13.63% | Beats 86% | 12 / 88 | | |
| Liquidity & Funding |
| Loans / Deposits | 21.65% | 60.39% | 72.27% | 84.01% | 1st pctl | 86 / 87 | | |
| Loans / Assets | 18.24% | 52.51% | 63.37% | 71.46% | 2nd pctl | 86 / 88 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |