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Local Bank

Hulbert, OK · Cert 2327 · Grandview Bankshares Inc.

State charter, Fed member · FED · 6 branches

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

48

Q2 2024Q2 2026peer median (50)

Asset Quality

56

Q2 2024Q2 2026peer median (50)

Profitability

19

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

14

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 2026-10-11

Local Bank

Hulbert, OK · Cert 2327 · Grandview Bankshares Inc.

State charter, Fed member · FED · 6 branches

Q2 2026

$463.1MAssets
$350.3MLoans
$382.6MDeposits
$47.0MEquity
Loan mix
75%RE $229.9M15%C&I $47.0M9%Consumer $28.3MQ2 2025Q2 2026
Deposit mix
90%Interest-bearing $343.6M10%Noninterest $39.0MQ2 2025Q2 2026

NIM

5.25%Q2 ’245.75%Q2 ’256.05%Q2 ’26+9%+13%

Non-interest income vs. expense

2.85%Q2 ’243.19%Q2 ’253.48%Q2 ’26+4%+24%

Market Position · Fort Smith, AR-OK · 2026 SOD (annual) · 0.6% share · #18 of 20 inst. · $0.0B of $6.0B

33.3% Cherokee
4.1% Sequoyah
2.6% Delaware
0.0% Muskogee

Executive Summary

  • Earnings: ROA of 0.34%, down 17 bps year over year; NIM at 3.61%.
  • Asset quality: problem loans at 0.52% of loans (+31 bps YoY), with net charge-offs at 0.05%.
  • Capital: tier 1 leverage ratio of 11.35%, down 114 bps from a year ago.
  • Funding: loans stand at 91.55% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.34%-17 bps YoY

Net Interest Margin (YTD, annualized)

3.61%+43 bps YoY

Efficiency Ratio (YTD, annualized)

88.38%+492 bps YoY

Tier 1 Leverage Ratio

11.35%-114 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.51%0.49%0.44%0.28%0.34%-17 bps
Return on Equity4.55%4.35%3.86%2.61%3.21%-133 bps
Net Interest Margin3.18%3.19%3.17%3.48%3.61%+43 bps
Efficiency Ratio83.45%84.42%86.54%91.13%88.38%+492 bps
Non-Interest Burden2.55%2.61%2.68%3.15%3.15%+60 bps
Growth
Asset Growth (YoY)12.92%5.06%6.82%7.90%9.93%-298 bps
Loan Growth (YoY)16.02%18.05%15.40%17.53%17.69%+167 bps
Deposit Growth (YoY)13.04%2.57%7.67%9.31%15.61%+258 bps
Asset Quality
Nonperforming Loans / Loans0.21%0.19%0.36%0.19%0.52%+31 bps
Net Charge-Offs / Loans0.03%0.02%0.07%0.04%0.05%+2 bps
Allowance / Loans0.68%0.69%0.63%0.61%0.62%-6 bps
Allowance Coverage of NPLs3.3x3.6x1.7x3.3x1.2x-2.1x
Capital
Tier 1 Leverage Ratio12.49%12.21%11.74%11.48%11.35%-114 bps
Total Risk-Based Capital15.90%15.47%14.89%14.41%13.75%-215 bps
Equity / Assets11.13%11.43%10.98%10.63%10.15%-98 bps
Liquidity & Funding
Loans / Deposits89.94%92.93%90.63%92.53%91.55%+162 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/a214%220%230%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 2026-10-11

Local Bank

Hulbert, OK · Cert 2327 · Peer group: banks under $1B in assets in OK (n=87-88) · Grandview Bankshares Inc.

State charter, Fed member · FED · 6 branches

Q2 2026

$463.1MAssets
$350.3MLoans
$382.6MDeposits
$47.0MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 66% of banks under $1B in assets in OK (rank 31 of 87).
  • Widest gap: efficiency ratio trails 86% of banks under $1B in assets in OK (rank 77 of 88).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.33%

Rank 76 of 88

Net Interest Margin

3.61%

Rank 62 of 88

Efficiency Ratio

88.38%

Rank 77 of 88

Equity / Assets

10.15%

Rank 58 of 88

Non-interest income vs. expense

$1.4M$14.9MINCOMEEXPENSE
Unfavorable gap of $13.5M · efficiency ratio beats 14% of banks under $1B in assets in OK
Bank 88.38%Peer median 61.5%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.33%0.85%1.26%1.62%Beats 14%76 / 88
Return on Equity3.21%7.40%11.89%14.66%Beats 14%76 / 88
Net Interest Margin3.61%3.51%3.93%4.47%Beats 30%62 / 88
Efficiency Ratio88.38%54.70%61.50%71.28%Beats 14%77 / 88
Asset Quality
Nonperforming Loans / Loans0.52%0.30%0.82%2.25%Beats 66%31 / 87
Net Charge-Offs / Loans0.04%0.00%0.03%0.20%Beats 46%48 / 87
Capital
Tier 1 Capital Ratio13.13%10.89%13.04%16.40%Beats 55%40 / 88
Total Risk-Based Capital Ratio13.75%11.20%13.09%16.43%Beats 56%39 / 88
Equity / Assets10.15%9.26%10.95%13.63%Beats 34%58 / 88
Liquidity & Funding
Loans / Deposits91.55%60.39%72.27%84.01%89th pctl10 / 87
Loans / Assets75.65%52.51%63.37%71.46%85th pctl13 / 88
Brokered Deposits / Depositsn/aNot reported for this institution