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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.18% | 2.26% | 2.18% | 2.14% | 2.19% | +2 bps | |
| Return on Equity | 19.53% | 20.16% | 19.31% | 18.74% | 18.94% | -59 bps | |
| Net Interest Margin | 4.83% | 4.88% | 4.85% | 4.89% | 4.82% | -1 bps | |
| Efficiency Ratio | 45.16% | 44.41% | 44.19% | 45.16% | 45.13% | -3 bps | |
| Non-Interest Burden | 1.83% | 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 / Loans | 1.07% | 0.70% | 0.67% | 0.61% | 0.63% | -44 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.02% | 0.01% | 0.00% | 0.00% | -3 bps | |
| Allowance / Loans | 1.01% | 1.04% | 1.16% | 1.17% | 1.21% | +20 bps | |
| Allowance Coverage of NPLs | 0.9x | 1.5x | 1.7x | 1.9x | 1.9x | +1.0x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.82% | 11.66% | 11.90% | 11.62% | 11.97% | +15 bps | |
| Total Risk-Based Capital | 11.82% | 11.66% | 11.90% | 11.62% | 11.97% | +15 bps | |
| Equity / Assets | 11.62% | 11.42% | 11.51% | 11.36% | 11.87% | +25 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 93.11% | 91.26% | 92.48% | 94.61% | 93.85% | +74 bps | |
| Liquid Assets / Assets | 5.76% | 6.74% | 5.85% | 5.53% | 6.03% | +27 bps | |
| CRE / Total Capital | n/a | 336% | 338% | 358% | n/a | n/a | |