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
Unfavorable gap of $19.1M · efficiency ratio beats 89% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 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 |