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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