Hulbert, OK · Cert 2327 · Grandview Bankshares Inc.
State charter, Fed member · FED · 6 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
Banks under $1B in assets in OK (n=88 to 89). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
49
Asset Quality
55
Profitability
19
Liquidity
0
Efficiency
13
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.
Hulbert, OK · Cert 2327 · Grandview Bankshares Inc.
State charter, Fed member · FED · 6 branches
Q2 2026
Market Position · Fort Smith, AR-OK · 2026 SOD (annual) · 0.6% share · #18 of 20 inst. · $0.0B of $6.0B
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 | 0.46% | 0.40% | 0.28% | 0.51% | 0.49% | 0.44% | 0.28% | 0.34% | -17 bps | |
| Return on Equity | 3.68% | 3.29% | 2.46% | 4.55% | 4.35% | 3.86% | 2.61% | 3.21% | -133 bps | |
| Net Interest Margin | 2.87% | 2.81% | 3.11% | 3.18% | 3.19% | 3.17% | 3.48% | 3.61% | +43 bps | |
| Efficiency Ratio | 83.72% | 85.63% | 90.51% | 83.45% | 84.42% | 86.54% | 91.13% | 88.38% | +492 bps | |
| Non-Interest Burden | 2.34% | 2.35% | 2.79% | 2.55% | 2.61% | 2.68% | 3.15% | 3.15% | +60 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 19.76% | 18.79% | 13.61% | 12.92% | 5.06% | 6.82% | 7.90% | 9.93% | -298 bps | |
| Loan Growth (YoY) | 29.49% | 30.86% | 20.60% | 16.02% | 18.05% | 15.40% | 17.53% | 17.69% | +167 bps | |
| Deposit Growth (YoY) | 22.35% | 14.77% | 18.68% | 13.04% | 2.57% | 7.67% | 9.31% | 15.61% | +258 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.19% | 0.26% | 0.28% | 0.21% | 0.19% | 0.36% | 0.19% | 0.52% | +31 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.00% | 0.03% | 0.02% | 0.07% | 0.04% | 0.05% | +2 bps | |
| Allowance / Loans | 0.84% | 0.69% | 0.69% | 0.68% | 0.69% | 0.63% | 0.61% | 0.62% | -6 bps | |
| Allowance Coverage of NPLs | 4.4x | 2.7x | 2.5x | 3.3x | 3.6x | 1.7x | 3.3x | 1.2x | -2.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.94% | 12.77% | 12.51% | 12.49% | 12.21% | 11.74% | 11.48% | 11.35% | -114 bps | |
| Total Risk-Based Capital | 17.26% | 16.35% | 16.23% | 15.90% | 15.47% | 14.89% | 14.41% | 13.75% | -215 bps | |
| Equity / Assets | 11.91% | 11.46% | 11.33% | 11.13% | 11.43% | 10.98% | 10.63% | 10.15% | -98 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 80.75% | 84.56% | 86.06% | 89.94% | 92.93% | 90.63% | 92.53% | 91.55% | +162 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 214% | 220% | 230% | n/a | n/a | |
Hulbert, OK · Cert 2327 · Peer group: banks under $1B in assets in OK (n=88-89) · Grandview Bankshares Inc.
State charter, Fed member · FED · 6 branches
Q2 2026
Return on Assets
0.33%
Rank 77 of 89
Net Interest Margin
3.61%
Rank 62 of 89
Efficiency Ratio
88.38%
Rank 78 of 89
Equity / Assets
10.15%
Rank 58 of 89
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.33% | 0.85% | 1.26% | 1.60% | Beats 13% | 77 / 89 | ||
| Return on Equity | 3.21% | 7.40% | 11.89% | 14.65% | Beats 13% | 77 / 89 | ||
| Net Interest Margin | 3.61% | 3.46% | 3.93% | 4.45% | Beats 30% | 62 / 89 | ||
| Efficiency Ratio | 88.38% | 54.70% | 60.95% | 71.14% | Beats 13% | 78 / 89 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.52% | 0.30% | 0.82% | 2.25% | Beats 65% | 32 / 88 | ||
| Net Charge-Offs / Loans | 0.04% | 0.00% | 0.03% | 0.20% | Beats 45% | 49 / 88 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.13% | 10.89% | 13.00% | 16.33% | Beats 55% | 40 / 89 | ||
| Total Risk-Based Capital Ratio | 13.75% | 11.20% | 13.06% | 16.33% | Beats 56% | 39 / 89 | ||
| Equity / Assets | 10.15% | 9.26% | 10.94% | 13.52% | Beats 35% | 58 / 89 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 91.55% | 61.51% | 72.27% | 84.01% | 89th pctl | 10 / 88 | ||
| Loans / Assets | 75.65% | 52.51% | 63.15% | 71.27% | 85th pctl | 13 / 89 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||