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 | |