Grand Bank for Savings, F.S.B.
Hattiesburg, MS · Cert 31864 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · GBS Financial Inc.
State savings bank · OCC · 1 branch
Q2 2026
$280.4MAssets
$204.6MLoans
$246.9MDeposits
$30.4MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 185 of 743).
- Widest gap: efficiency ratio trails 91% of banks under $1B in assets operating in a single state (rank 683 of 746).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
0.30%
Rank 672 of 746
Net Interest Margin
3.99%
Rank 252 of 746
Efficiency Ratio
89.02%
Rank 683 of 746
Equity / Assets
10.84%
Rank 337 of 746
Non-interest income vs. expense
Unfavorable gap of $9.8M · efficiency ratio beats 9% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.30% | 0.72% | 1.06% | 1.45% | Beats 10% | 672 / 746 | |
| Return on Equity | 2.77% | 6.74% | 10.51% | 13.63% | Beats 11% | 665 / 746 | |
| Net Interest Margin | 3.99% | 3.17% | 3.68% | 4.16% | Beats 66% | 252 / 746 | |
| Efficiency Ratio | 89.02% | 55.74% | 64.58% | 75.47% | Beats 9% | 683 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.78% | 0.09% | 0.42% | 1.07% | Beats 33% | 496 / 743 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 185 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 10.98% | 11.55% | 13.75% | 17.60% | Beats 19% | 605 / 746 | |
| Total Risk-Based Capital Ratio | 10.98% | 11.71% | 14.33% | 18.43% | Beats 17% | 616 / 746 | |
| Equity / Assets | 10.84% | 8.90% | 10.51% | 13.06% | Beats 55% | 337 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 82.88% | 61.31% | 78.27% | 90.78% | 60th pctl | 300 / 746 | |
| Loans / Assets | 72.98% | 53.60% | 66.97% | 76.08% | 66th pctl | 253 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |