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

Deposit mix

NIM

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

Earnings: ROA of 0.40%, down 35 bps year over year; NIM at 3.77%.
Asset quality: problem loans at 0.52% of loans (+31 bps YoY), with net charge-offs at 0.06%.

Return on Assets (quarter, annualized)

0.40%-35 bps YoY

Net Interest Margin (quarter, annualized)

3.77%+50 bps YoY

Efficiency Ratio (quarter, annualized)

85.86%+804 bps YoY

Tier 1 Leverage Ratio

11.35%-114 bps YoY

Discrete quarter, annualized.

Metric	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026	YoY Δ
Earnings
Return on Assets	0.74%	0.45%	0.27%	0.28%	0.40%	-35 bps
Return on Equity	6.62%	3.97%	2.40%	2.61%	3.82%	-280 bps
Net Interest Margin	3.27%	3.36%	3.42%	3.48%	3.77%	+50 bps
Efficiency Ratio	77.82%	86.35%	92.66%	91.13%	85.86%	+804 bps
Non-Interest Burden	2.33%	2.85%	3.14%	3.15%	3.19%	+86 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 / Loans	0.21%	0.19%	0.36%	0.19%	0.52%	+31 bps
Net Charge-Offs / Loans	0.06%	0.01%	0.21%	0.04%	0.06%	0 bps
Allowance / Loans	0.68%	0.69%	0.63%	0.61%	0.62%	-6 bps
Allowance Coverage of NPLs	3.3x	3.6x	1.7x	3.3x	1.2x	-2.1x
Capital
Tier 1 Leverage Ratio	12.49%	12.21%	11.74%	11.48%	11.35%	-114 bps
Total Risk-Based Capital	15.90%	15.47%	14.89%	14.41%	13.75%	-215 bps
Equity / Assets	11.13%	11.43%	10.98%	10.63%	10.15%	-98 bps
Liquidity & Funding
Loans / Deposits	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 bps
CRE / Total Capital	n/a	214%	220%	230%	n/a	n/a