BlastPoint's Banking Scorecard

Grant County Bank

under $100M Specialty: Agricultural OK FDIC cert 15778

Designations: ✓ Community bank

Medford, OK

537 banks in the under $100M peer group nationally 38 in OK

Grant County Bank has 1 strength but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Delinquency Rate 0.79% below tier average

Key Concerns

Areas that may need attention

- Net Interest Margin 1.95% below tier average
- ROA 0.93% below tier average
- Efficiency Ratio 16.03% above tier average

Get updates when Grant County Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Total Assets ?	$59.3M +2.6% YoY -5.6% QoQ	-$3.0M	$62.3M -0.5% YoY	$1.2B +6.7% YoY	$6.2B +9.0% YoY	45%
Total Loans ?	$10.9M -3.0% YoY +0.6% QoQ	-$23.4M	$34.3M -1.5% YoY	$822.6M +7.2% YoY	$3.2B +10.7% YoY	Bottom 12.1% in tier
Total Deposits ?	$50.0M +2.6% YoY -6.7% QoQ	-$1.8M	$51.8M -0.6% YoY	$956.7M +4.7% YoY	$4.8B +8.0% YoY	45%
Return on Assets ?	-0.07% -127.7% YoY -321.6% QoQ	-0.93%	0.86% -3.6% YoY	1.34% +7.6% YoY	1.24% +13.1% YoY	Bottom 13.8% in tier
Net Interest Margin ?	1.92% -14.0% YoY -5.4% QoQ	-1.95%	3.87% +2.7% YoY	4.25% +2.4% YoY	3.89% +5.7% YoY	Bottom 2.8% in tier
Efficiency Ratio ?	103.65% +16.8% YoY +2.8% QoQ	+16.03%	87.63% +2.3% YoY	65.16% -1.8% YoY	66.84% -3.8% YoY	Bottom 11.7% in tier
Delinquency Rate ?	0.57% -43.4% YoY +92.6% QoQ	-0.79%	1.36% +33.7% YoY	1.61% +16.3% YoY	0.95% +18.8% YoY	45%
Loan-to-Deposit Ratio ?	21.87% -5.4% YoY +7.8% QoQ	-42.24%	64.11% -0.9% YoY	73.83% +1.6% YoY	76.69% +0.9% YoY	Top 6.0% in tier
Non-Interest-Bearing Deposit Share ?	14.52% -23.9% YoY +19.2% QoQ	-9.26%	23.79% +0.5% YoY	23.68% -1.7% YoY	22.01% -1.1% YoY	23%
Nonperforming Asset Ratio ?	0.10% -46.5% YoY +105.3% QoQ	-0.67%	0.77% +28.7% YoY	1.12% +15.3% YoY	0.66% +19.3% YoY	60%
Tier 1 Capital Ratio ?	15.57% +1.4% YoY -5.2% QoQ	-11.20%	26.77% +2.0% YoY	14.36% -1.8% YoY	17.06% +0.8% YoY	50%
Non-Interest Income / Assets ?	0.02% -25.5% YoY -84.7% QoQ	-0.65%	0.67% +1.6% YoY	0.15% -5.6% YoY	0.32% +4.0% YoY	16%

Get Full Access to Grant County Bank

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

Want to see an example first? Preview JPMorgan Chase's scorecard →

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 537 peers in under $100M

Top Strengths (1 metrics)

Loan-to-Deposit Ratio

liquidity

Value: 21.87%

Peer Median: 64.11%

#33 of 537 Top 6.0% in under $100M

Top Weaknesses (6 metrics)

523

Net Interest Margin

profitability

Value: 1.92%

Peer Median: 3.87%

#523 of 537 Bottom 2.8% in under $100M

475

Efficiency Ratio

profitability

Value: 103.65%

Peer Median: 87.63%

#475 of 537 Bottom 11.7% in under $100M

473

Total Loans

size

Value: $10.94M

Peer Median: $34.29M

#473 of 537 Bottom 12.1% in under $100M

464

Return on Assets

profitability

Value: -0.07%

Peer Median: 0.86%

#464 of 537 Bottom 13.8% in under $100M

452

Non-Interest Income / Assets

revenue_mix

Value: 0.02%

Peer Median: 0.67%

#452 of 537 Bottom 16.0% in under $100M

417

Non-Interest-Bearing Deposit Share

funding

Value: 14.52%

Peer Median: 23.79%

#417 of 537 Bottom 22.5% in under $100M