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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=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.

Peer standing

Capital

49

Q2 2024Q2 2026peer median (50)

Asset Quality

55

Q2 2024Q2 2026peer median (50)

Profitability

19

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

13

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 $28.3MQ3 2024Q2 2026
Deposit mix
90%Interest-bearing $343.6M10%Noninterest $39.0MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.46%0.40%0.28%0.51%0.49%0.44%0.28%0.34%-17 bps
Return on Equity3.68%3.29%2.46%4.55%4.35%3.86%2.61%3.21%-133 bps
Net Interest Margin2.87%2.81%3.11%3.18%3.19%3.17%3.48%3.61%+43 bps
Efficiency Ratio83.72%85.63%90.51%83.45%84.42%86.54%91.13%88.38%+492 bps
Non-Interest Burden2.34%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 / Loans0.19%0.26%0.28%0.21%0.19%0.36%0.19%0.52%+31 bps
Net Charge-Offs / Loans0.01%0.01%0.00%0.03%0.02%0.07%0.04%0.05%+2 bps
Allowance / Loans0.84%0.69%0.69%0.68%0.69%0.63%0.61%0.62%-6 bps
Allowance Coverage of NPLs4.4x2.7x2.5x3.3x3.6x1.7x3.3x1.2x-2.1x
Capital
Tier 1 Leverage Ratio12.94%12.77%12.51%12.49%12.21%11.74%11.48%11.35%-114 bps
Total Risk-Based Capital17.26%16.35%16.23%15.90%15.47%14.89%14.41%13.75%-215 bps
Equity / Assets11.91%11.46%11.33%11.13%11.43%10.98%10.63%10.15%-98 bps
Liquidity & Funding
Loans / Deposits80.75%84.56%86.06%89.94%92.93%90.63%92.53%91.55%+162 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/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=88-89) · 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 65% of banks under $1B in assets in OK (rank 32 of 88).
  • Widest gap: efficiency ratio trails 87% of banks under $1B in assets in OK (rank 78 of 89).
  • Overall: at or above the peer median on 3 of 9 directional measures.

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

Non-interest income vs. expense

$1.4M$14.9MINCOMEEXPENSE
Unfavorable gap of $13.5M · efficiency ratio beats 13% of banks under $1B in assets in OK
Bank 88.38%Peer median 61.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.33%0.85%1.26%1.60%Beats 13%77 / 89
Return on Equity3.21%7.40%11.89%14.65%Beats 13%77 / 89
Net Interest Margin3.61%3.46%3.93%4.45%Beats 30%62 / 89
Efficiency Ratio88.38%54.70%60.95%71.14%Beats 13%78 / 89
Asset Quality
Nonperforming Loans / Loans0.52%0.30%0.82%2.25%Beats 65%32 / 88
Net Charge-Offs / Loans0.04%0.00%0.03%0.20%Beats 45%49 / 88
Capital
Tier 1 Capital Ratio13.13%10.89%13.00%16.33%Beats 55%40 / 89
Total Risk-Based Capital Ratio13.75%11.20%13.06%16.33%Beats 56%39 / 89
Equity / Assets10.15%9.26%10.94%13.52%Beats 35%58 / 89
Liquidity & Funding
Loans / Deposits91.55%61.51%72.27%84.01%89th pctl10 / 88
Loans / Assets75.65%52.51%63.15%71.27%85th pctl13 / 89
Brokered Deposits / Depositsn/aNot reported for this institution