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Grand Savings Bank

Grove, OK · Cert 32084 · Grand Bcorp Inc.

State charter, non-member · FDIC · 15 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets3

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 $1B-$10B in assets (n=322 to 328). 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

40

Q2 2024Q2 2026peer median (50)

Asset Quality

63

Q2 2024Q2 2026peer median (50)

Profitability

94

Q2 2024Q2 2026peer median (50)

Liquidity

56

Q2 2024Q2 2026peer median

Efficiency

89

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

Grand Savings Bank

Grove, OK · Cert 32084 · Grand Bcorp Inc.

State charter, non-member · FDIC · 15 branches

Q2 2026

$1.0BAssets
$842.6MLoans
$897.8MDeposits
$122.4MEquity
Loan mix
89%RE $737.0M7%C&I $56.6M4%Consumer $37.2MQ2 2025Q2 2026
Deposit mix
78%Interest-bearing $701.8M22%Noninterest $196.1MQ2 2025Q2 2026

NIM

6.66%Q2 ’246.65%Q2 ’256.53%Q2 ’26+8%0%

Non-interest income vs. expense

2.41%Q2 ’242.47%Q2 ’252.44%Q2 ’26+11%+1%

Market Position · Fayetteville-Springdale-Rogers, AR · 2026 SOD (annual) · 2.5% share · #9 of 42 inst. · $0.5B of $20.2B

4.3% Benton
38.8% Delaware
0.4% Washington
5.0% Ottawa

Executive Summary

  • Earnings: ROA of 2.19%, up 2 bps year over year; NIM at 4.82%.
  • Asset quality: problem loans at 0.63% of loans (-44 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 11.97%, up 15 bps from a year ago.
  • Funding: loans stand at 93.85% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

2.19%+2 bps YoY

Net Interest Margin (YTD, annualized)

4.82%-1 bps YoY

Efficiency Ratio (YTD, annualized)

45.13%-3 bps YoY

Tier 1 Leverage Ratio

11.97%+15 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.18%2.26%2.18%2.14%2.19%+2 bps
Return on Equity19.53%20.16%19.31%18.74%18.94%-59 bps
Net Interest Margin4.83%4.88%4.85%4.89%4.82%-1 bps
Efficiency Ratio45.16%44.41%44.19%45.16%45.13%-3 bps
Non-Interest Burden1.83%1.81%1.80%1.91%1.85%+2 bps
Growth
Asset Growth (YoY)2.88%3.70%5.63%9.74%8.99%+611 bps
Loan Growth (YoY)8.41%9.15%12.29%14.50%8.81%+40 bps
Deposit Growth (YoY)1.67%2.51%4.72%8.68%7.95%+628 bps
Asset Quality
Nonperforming Loans / Loans1.07%0.70%0.67%0.61%0.63%-44 bps
Net Charge-Offs / Loans0.03%0.02%0.01%0.00%0.00%-3 bps
Allowance / Loans1.01%1.04%1.16%1.17%1.21%+20 bps
Allowance Coverage of NPLs0.9x1.5x1.7x1.9x1.9x+1.0x
Capital
Tier 1 Leverage Ratio11.82%11.66%11.90%11.62%11.97%+15 bps
Total Risk-Based Capital11.82%11.66%11.90%11.62%11.97%+15 bps
Equity / Assets11.62%11.42%11.51%11.36%11.87%+25 bps
Liquidity & Funding
Loans / Deposits93.11%91.26%92.48%94.61%93.85%+74 bps
Liquid Assets / Assets5.76%6.74%5.85%5.53%6.03%+27 bps
CRE / Total Capitaln/a336%338%358%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

Grand Savings Bank

Grove, OK · Cert 32084 · Peer group: banks $1B-$10B in assets (n=322-328) · Grand Bcorp Inc.

State charter, non-member · FDIC · 15 branches

Q2 2026

$1.0BAssets
$842.6MLoans
$897.8MDeposits
$122.4MEquity

Executive Summary

  • Strongest standing: return on assets outperforms 96% of banks $1B-$10B in assets (rank 14 of 328).
  • Widest gap: total risk-based capital ratio trails 83% of banks $1B-$10B in assets (rank 271 of 328).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

2.18%

Rank 14 of 328

Net Interest Margin

4.82%

Rank 20 of 328

Efficiency Ratio

45.13%

Rank 38 of 328

Equity / Assets

11.87%

Rank 87 of 328

Non-interest income vs. expense

$6.1M$25.2MINCOMEEXPENSE
Unfavorable gap of $19.1M · efficiency ratio beats 89% of banks $1B-$10B in assets
Bank 45.13%Peer median 59.6%Q1 2026Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets2.18%0.91%1.22%1.52%Beats 96%14 / 328
Return on Equity18.36%8.43%11.45%14.43%Beats 91%29 / 328
Net Interest Margin4.82%3.03%3.45%3.83%Beats 94%20 / 328
Efficiency Ratio45.13%51.61%59.56%67.53%Beats 89%38 / 328
Asset Quality
Nonperforming Loans / Loans0.63%0.24%0.51%1.03%Beats 42%188 / 322
Net Charge-Offs / Loans0.00%0.01%0.03%0.10%Beats 84%54 / 322
Capital
Tier 1 Capital Ratio11.97%11.75%13.15%15.47%Beats 30%231 / 328
Total Risk-Based Capital Ratio11.97%12.63%14.15%16.46%Beats 17%271 / 328
Equity / Assets11.87%9.15%10.33%12.01%Beats 73%87 / 328
Liquidity & Funding
Loans / Deposits93.85%76.63%87.92%95.36%71st pctl95 / 323
Loans / Assets81.69%65.18%74.15%79.98%81st pctl62 / 328
Brokered Deposits / Depositsn/aNot reported for this institution