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Bank of Grand Lake

Grove, OK · Cert 57915 · Townsend Holding Co.

State charter, non-member · FDIC · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in OK3

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 under $1B in assets in OK (n=88 to 89). 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

64

Q2 2024Q2 2026peer median (50)

Asset Quality

62

Q2 2024Q2 2026peer median (50)

Profitability

25

Q2 2024Q2 2026peer median (50)

Liquidity

98

Q2 2024Q2 2026peer median

Efficiency

36

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

Bank of Grand Lake

Grove, OK · Cert 57915 · Townsend Holding Co.

State charter, non-member · FDIC · 2 branches

Q2 2026

$249.1MAssets
$156.5MLoans
$218.8MDeposits
$24.7MEquity
Loan mix
93%RE $120.8M3%C&I $3.9M4%Consumer $5.2MQ2 2025Q2 2026
Deposit mix
88%Interest-bearing $192.7M12%Noninterest $26.1MQ2 2025Q2 2026

NIM

4.83%Q2 ’244.86%Q2 ’254.82%Q2 ’26+5%+0%

Non-interest income vs. expense

2.01%Q2 ’242.03%Q2 ’252.26%Q2 ’26-106%+2144%

Executive Summary

  • Earnings: ROA of 0.88%, down 174 bps year over year; NIM at 3.21%.
  • Asset quality: problem loans at 0.96% of loans (+90 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 10.12%, up 5 bps from a year ago.
  • Funding: loans stand at 71.53% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.88%-174 bps YoY

Net Interest Margin (YTD, annualized)

3.21%+2 bps YoY

Efficiency Ratio (YTD, annualized)

67.04%+2,897 bps YoY

Tier 1 Leverage Ratio

10.12%+5 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.62%2.19%1.93%0.97%0.88%-174 bps
Return on Equity28.48%22.83%19.65%9.00%8.39%-2,010 bps
Net Interest Margin3.19%3.26%3.41%3.28%3.21%+2 bps
Efficiency Ratio38.07%42.03%45.89%64.48%67.04%+2,897 bps
Non-Interest Burden-0.10%0.47%0.88%2.04%2.10%+220 bps
Growth
Asset Growth (YoY)-0.69%-2.54%-1.82%-5.29%0.86%+155 bps
Loan Growth (YoY)-2.52%-1.47%-0.36%3.26%8.90%+1,142 bps
Deposit Growth (YoY)-2.93%-5.11%-6.31%-7.64%-1.09%+185 bps
Asset Quality
Nonperforming Loans / Loans0.06%0.16%0.19%0.19%0.96%+90 bps
Net Charge-Offs / Loans0.02%0.02%0.02%-0.01%0.00%-2 bps
Allowance / Loans0.66%0.65%0.64%0.62%0.60%-6 bps
Allowance Coverage of NPLs10.7x4.0x3.4x3.3x0.6x-10.0x
Capital
Tier 1 Leverage Ratio10.06%10.64%10.82%10.91%10.12%+5 bps
Total Risk-Based Capital19.93%20.90%20.49%20.61%17.54%-239 bps
Equity / Assets10.16%10.85%10.82%10.82%9.90%-26 bps
Liquidity & Funding
Loans / Deposits64.97%68.25%72.67%71.33%71.53%+656 bps
Liquid Assets / Assets37.78%35.86%33.07%32.76%33.36%-442 bps
CRE / Total Capitaln/a151.36%150.84%152.92%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

Bank of Grand Lake

Grove, OK · Cert 57915 · Peer group: banks under $1B in assets in OK (n=88-89) · Townsend Holding Co.

State charter, non-member · FDIC · 2 branches

Q2 2026

$249.1MAssets
$156.5MLoans
$218.8MDeposits
$24.7MEquity

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 80% of banks under $1B in assets in OK (rank 18 of 89).
  • Widest gap: net interest margin trails 84% of banks under $1B in assets in OK (rank 75 of 89).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.85%

Rank 67 of 89

Net Interest Margin

3.21%

Rank 75 of 89

Efficiency Ratio

67.04%

Rank 58 of 89

Equity / Assets

9.90%

Rank 60 of 89

Non-interest income vs. expense

$0.4M$5.5MINCOMEEXPENSE
Unfavorable gap of $5.1M · efficiency ratio beats 36% of banks under $1B in assets in OK
Bank 67.04%Peer median 61.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.85%0.85%1.26%1.60%Beats 25%67 / 89
Return on Equity8.62%7.40%11.89%14.65%Beats 33%60 / 89
Net Interest Margin3.21%3.46%3.93%4.45%Beats 16%75 / 89
Efficiency Ratio67.04%54.70%60.95%71.14%Beats 36%58 / 89
Asset Quality
Nonperforming Loans / Loans0.96%0.30%0.82%2.25%Beats 48%47 / 88
Net Charge-Offs / Loans0.00%0.00%0.03%0.20%Beats 76%22 / 88
Capital
Tier 1 Capital Ratio16.89%10.89%13.00%16.33%Beats 80%18 / 89
Total Risk-Based Capital Ratio17.54%11.20%13.06%16.33%Beats 80%18 / 89
Equity / Assets9.90%9.26%10.94%13.52%Beats 33%60 / 89
Liquidity & Funding
Loans / Deposits71.53%61.51%72.27%84.01%48th pctl46 / 88
Loans / Assets62.81%52.51%63.15%71.27%48th pctl46 / 89
Brokered Deposits / Depositsn/aNot reported for this institution