Grove, OK · Cert 32084 · Grand Bcorp Inc.
State charter, non-member · FDIC · 15 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
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.
Capital
40
Asset Quality
63
Profitability
94
Liquidity
56
Efficiency
89
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.
Grove, OK · Cert 32084 · Grand Bcorp Inc.
State charter, non-member · FDIC · 15 branches
Q2 2026
Market Position · Fayetteville-Springdale-Rogers, AR · 2026 SOD (annual) · 2.5% share · #9 of 42 inst. · $0.5B of $20.2B
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 | 1.93% | 1.95% | 2.07% | 2.18% | 2.26% | 2.18% | 2.14% | 2.19% | +2 bps | |
| Return on Equity | 18.87% | 18.91% | 18.97% | 19.53% | 20.16% | 19.31% | 18.74% | 18.94% | -59 bps | |
| Net Interest Margin | 4.40% | 4.43% | 4.69% | 4.83% | 4.88% | 4.85% | 4.89% | 4.82% | -1 bps | |
| Efficiency Ratio | 46.78% | 46.82% | 46.41% | 45.16% | 44.41% | 44.19% | 45.16% | 45.13% | -3 bps | |
| Non-Interest Burden | 1.69% | 1.72% | 1.88% | 1.83% | 1.81% | 1.80% | 1.91% | 1.85% | +2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.38% | 4.96% | 2.73% | 2.88% | 3.70% | 5.63% | 9.74% | 8.99% | +611 bps | |
| Loan Growth (YoY) | 4.29% | 4.85% | 2.03% | 8.41% | 9.15% | 12.29% | 14.50% | 8.81% | +40 bps | |
| Deposit Growth (YoY) | 4.30% | 3.92% | 1.59% | 1.67% | 2.51% | 4.72% | 8.68% | 7.95% | +628 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.43% | 1.15% | 1.17% | 1.07% | 0.70% | 0.67% | 0.61% | 0.63% | -44 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.00% | 0.03% | 0.02% | 0.01% | 0.00% | 0.00% | -3 bps | |
| Allowance / Loans | 1.02% | 1.02% | 1.04% | 1.01% | 1.04% | 1.16% | 1.17% | 1.21% | +20 bps | |
| Allowance Coverage of NPLs | 0.7x | 0.9x | 0.9x | 0.9x | 1.5x | 1.7x | 1.9x | 1.9x | +1.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.74% | 11.16% | 11.22% | 11.82% | 11.66% | 11.90% | 11.62% | 11.97% | +15 bps | |
| Total Risk-Based Capital | 10.74% | 11.16% | 11.22% | 11.82% | 11.66% | 11.90% | 11.62% | 11.97% | +15 bps | |
| Equity / Assets | 10.48% | 10.70% | 11.12% | 11.62% | 11.42% | 11.51% | 11.36% | 11.87% | +25 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 85.71% | 86.24% | 89.80% | 93.11% | 91.26% | 92.48% | 94.61% | 93.85% | +74 bps | |
| Liquid Assets / Assets | 11.73% | 10.10% | 9.55% | 5.76% | 6.74% | 5.85% | 5.53% | 6.03% | +27 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 336% | 338% | 358% | n/a | n/a | |
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
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
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 2.18% | 0.91% | 1.22% | 1.52% | Beats 96% | 14 / 328 | ||
| Return on Equity | 18.36% | 8.43% | 11.45% | 14.43% | Beats 91% | 29 / 328 | ||
| Net Interest Margin | 4.82% | 3.03% | 3.45% | 3.83% | Beats 94% | 20 / 328 | ||
| Efficiency Ratio | 45.13% | 51.61% | 59.56% | 67.53% | Beats 89% | 38 / 328 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.63% | 0.24% | 0.51% | 1.03% | Beats 42% | 188 / 322 | ||
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.03% | 0.10% | Beats 84% | 54 / 322 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.97% | 11.75% | 13.15% | 15.47% | Beats 30% | 231 / 328 | ||
| Total Risk-Based Capital Ratio | 11.97% | 12.63% | 14.15% | 16.46% | Beats 17% | 271 / 328 | ||
| Equity / Assets | 11.87% | 9.15% | 10.33% | 12.01% | Beats 73% | 87 / 328 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 93.85% | 76.63% | 87.92% | 95.36% | 71st pctl | 95 / 323 | ||
| Loans / Assets | 81.69% | 65.18% | 74.15% | 79.98% | 81st pctl | 62 / 328 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||