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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.91% | 2.02% | 2.07% | 2.30% | 2.45% | 1.95% | 2.14% | 2.24% | -6 bps | |
| Return on Equity | 18.26% | 19.04% | 18.97% | 20.19% | 21.24% | 17.00% | 18.74% | 19.26% | -93 bps | |
| Net Interest Margin | 4.49% | 4.63% | 4.69% | 4.95% | 5.20% | 5.09% | 4.89% | 4.84% | -12 bps | |
| Efficiency Ratio | 48.15% | 46.93% | 46.41% | 44.01% | 43.06% | 43.56% | 45.16% | 45.10% | +109 bps | |
| Non-Interest Burden | 1.85% | 1.86% | 1.88% | 1.77% | 1.85% | 1.88% | 1.91% | 1.83% | +6 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% | 0.05% | -0.01% | -0.02% | 0.00% | 0.00% | -6 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 | |