Tulsa, OK · Cert 22065 · Grand Capital Corp.
State charter, Fed member · FED · 4 branches
Q2 2026
Market Position · Tulsa, OK · 2026 SOD (annual) · 1.3% share · #19 of 59 inst. · $0.5B of $39.3B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.01% | 1.08% | 1.34% | 1.25% | 1.25% | 1.28% | 1.44% | 1.50% | +25 bps | |
| Return on Equity | 11.10% | 11.89% | 14.82% | 13.96% | 13.85% | 13.89% | 14.99% | 15.81% | +185 bps | |
| Net Interest Margin | 3.28% | 3.34% | 3.78% | 3.71% | 3.67% | 3.77% | 3.93% | 3.95% | +24 bps | |
| Efficiency Ratio | 62.64% | 61.00% | 55.85% | 57.60% | 57.85% | 57.82% | 53.98% | 53.05% | -454 bps | |
| Non-Interest Burden | 1.99% | 1.97% | 2.04% | 2.07% | 2.05% | 2.11% | 2.04% | 2.02% | -5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.80% | 5.63% | 8.72% | 8.13% | 6.18% | 4.60% | 4.93% | 7.25% | -88 bps | |
| Loan Growth (YoY) | 8.48% | 8.65% | 8.18% | 3.60% | 3.59% | 4.80% | 6.30% | 10.27% | +667 bps | |
| Deposit Growth (YoY) | 4.68% | 5.74% | 9.20% | 8.64% | 6.31% | 2.16% | 0.83% | 5.09% | -355 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.04% | 0.09% | 0.00% | 0.05% | 0.04% | 0.07% | 0.00% | 0.00% | -5 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.70% | 1.70% | 1.70% | 1.73% | 1.66% | 1.66% | 1.64% | 1.59% | -14 bps | |
| Allowance Coverage of NPLs | 46.3x | 19.5x | 396.0x | 38.4x | 38.2x | 24.2x | n/a | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.23% | 10.20% | 10.27% | 10.40% | 10.27% | 10.42% | 10.81% | 10.33% | -6 bps | |
| Total Risk-Based Capital | 13.63% | 13.69% | 14.00% | 14.26% | 13.95% | 13.86% | 14.17% | 13.81% | -45 bps | |
| Equity / Assets | 9.17% | 9.08% | 8.96% | 8.87% | 9.30% | 9.68% | 9.57% | 9.28% | +42 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 92.35% | 93.43% | 89.50% | 86.90% | 89.99% | 95.84% | 94.36% | 91.18% | +428 bps | |
| Liquid Assets / Assets | 4.38% | 3.50% | 7.46% | 9.16% | 6.04% | 2.28% | 5.43% | 6.46% | -270 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 459% | 469% | 459% | n/a | n/a | |