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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 0.01%, up 11 bps year over year; NIM at 2.10%.
  • Asset quality: problem loans at 0.12% of loans (-46 bps YoY), with net charge-offs at 1.09%.
  • 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 (quarter, annualized)

0.01%+11 bps YoY

Net Interest Margin (quarter, annualized)

2.10%+31 bps YoY

Efficiency Ratio (quarter, annualized)

99.38%-529 bps YoY

Tier 1 Leverage Ratio

15.59%-67 bps YoY

NIM

4.45%Q2 ’244.15%Q2 ’253.94%Q2 ’26-27%+17%

Non-interest income vs. expense

2.12%Q2 ’242.21%Q2 ’252.16%Q2 ’26-6%+10%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.01%-0.09%0.20%-0.10%0.00%-0.24%-0.07%0.01%+11 bps
Return on Equity0.07%-0.65%1.44%-0.65%0.00%-1.58%-0.49%0.07%+72 bps
Net Interest Margin2.33%2.17%2.19%1.80%2.13%2.04%1.95%2.10%+31 bps
Efficiency Ratio99.42%104.23%88.73%104.67%100.00%111.71%103.65%99.38%-529 bps
Non-Interest Burden2.31%2.27%1.93%1.90%2.13%2.29%2.03%2.09%+19 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 / Loans0.00%4.47%1.23%0.00%0.00%0.11%0.07%1.09%+109 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