BlastPoint's Banking Scorecard
Grant County Bank
Designations: ✓ Community bank
Medford, OK
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 536 banks in the under $100M peer group nationwide — 1 of 39 in OK.
- Deposits +6.7% year over year ($49.2M on the books).
- Delinquency rate 0.13%.
- Return on assets -0.03%.
- Efficiency ratio 101.45% vs a 119.40% peer average.
- Loan-to-deposit ratio 20.93% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Grant County Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 17.95% below tier average
- + Delinquency Rate 1.35% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.89% below tier average
- - ROA 1.03% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$58.4M
+5.9% YoY
-1.5% QoQ
|
-$4.1M |
$62.4M
-0.0% YoY
|
$1.3B
+6.0% YoY
|
$6.3B
+7.7% YoY
|
44% |
| Total Loans ? |
$10.3M
-6.8% YoY
-5.9% QoQ
|
-$24.6M |
$34.9M
-0.6% YoY
|
$835.5M
+7.1% YoY
|
$3.2B
+9.4% YoY
|
Bottom 11.4% in tier |
| Total Deposits ? |
$49.2M
+6.7% YoY
-1.7% QoQ
|
-$2.5M |
$51.6M
-0.2% YoY
|
$967.8M
+5.8% YoY
|
$4.9B
+7.3% YoY
|
44% |
| Return on Assets ? |
-0.03%
-134.9% YoY
+58.5% QoQ
|
-1.03% |
1.00%
+3.5% YoY
|
1.35%
+7.7% YoY
|
1.30%
+12.1% YoY
|
Bottom 13.1% in tier |
| Net Interest Margin ? |
2.03%
-0.8% YoY
+5.4% QoQ
|
-1.89% |
3.91%
+2.3% YoY
|
4.27%
+1.9% YoY
|
3.95%
+4.9% YoY
|
Bottom 3.9% in tier |
| Efficiency Ratio ? |
101.45%
+5.5% YoY
-2.1% QoQ
|
-17.95% |
119.40%
+49.6% YoY
|
64.81%
-3.0% YoY
|
70.05%
+2.5% YoY
|
Bottom 11.4% in tier |
| Delinquency Rate ? |
0.13%
-78.9% YoY
-77.7% QoQ
|
-1.35% |
1.48%
+31.8% YoY
|
1.78%
+23.7% YoY
|
0.98%
+16.3% YoY
|
64% |
| Loan-to-Deposit Ratio ? |
20.93%
-12.6% YoY
-4.3% QoQ
|
-53.28% |
74.21%
+12.6% YoY
|
74.14%
+1.3% YoY
|
79.03%
+2.3% YoY
|
Top 6.0% in tier |
| Non-Interest-Bearing Deposit Share ? |
13.12%
-12.3% YoY
-9.7% QoQ
|
-10.37% |
23.49%
+0.6% YoY
|
23.91%
-1.8% YoY
|
21.98%
-0.6% YoY
|
20% |
| Nonperforming Asset Ratio ? |
0.02%
-81.4% YoY
-78.7% QoQ
|
-0.81% |
0.84%
+23.0% YoY
|
1.24%
+23.1% YoY
|
0.69%
+15.8% YoY
|
69% |
| Tier 1 Capital Ratio ? |
15.59%
-4.1% YoY
+0.2% QoQ
|
-11.53% |
27.13%
+3.0% YoY
|
14.18%
-3.9% YoY
|
17.09%
+0.8% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.04%
-63.4% YoY
+87.4% QoQ
|
-1.34% |
1.38%
+6.3% YoY
|
0.31%
-11.7% YoY
|
0.66%
+5.2% YoY
|
Bottom 14.2% in tier |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
13.1%
-1.8pp YoY -1.4pp QoQ |
-11.5pp | 24.6% | 23.9% | 22.2% | 16% |
| Brokered Deposits | n/a | n/a | 9.8% | 9.7% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
10.2%
+2.6pp YoY -2.5pp QoQ |
-3.2pp | 13.4% | 15.7% | 12.5% | 51% |
| CRE | n/a | n/a | 25.2% | 42.0% | 41.4% | n/a |
| 1-4 Family |
0.8%
0.0pp YoY 0.0pp QoQ |
-34.2pp | 35.0% | 24.0% | 31.3% | 5% |
| Consumer |
16.1%
-1.2pp YoY -0.2pp QoQ |
+8.4pp | 7.7% | 5.6% | 5.0% | 90% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 17.0% | 19.7% | n/a |
| Leverage Ratio |
15.6%
-0.7pp YoY 0.0pp QoQ |
-2.1pp | 17.7% | 11.7% | 12.6% | 73% |
| Total Capital Ratio | n/a | n/a | 39.7% | 18.2% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
8
0 YoY 0 QoQ |
-4 | 12 | 150 | 482 | 29% |
| Assets per Employee ($) |
$7.3M
+5.9% YoY -1.5% QoQ |
+$1.1M | $6.2M | $6.5M | $8.8M | 71% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 8 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.9% | 0.4% | n/a |
| Nonaccrual |
0.1%
0.0pp YoY 0.0pp QoQ |
-1.6pp | 1.7% | 1.5% | 1.0% | 16% |
| Allowance Coverage |
27.38x
+363.4% YoY +341.0% QoQ |
+20.97x | 6.41x | 61.99x | 20.23x | 95% |
| Net Charge-off Rate (YTD) |
0.6%
0.0pp YoY +0.5pp QoQ |
+0.4pp | 0.2% | 0.2% | 0.2% | 90% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
-0.2%
-0.8pp YoY +0.3pp QoQ |
-6.6pp | 6.4% | 11.9% | 11.6% | 13% |
| Cost of Funds (YTD) |
1.9%
-0.4pp YoY 0.0pp QoQ |
+0.4pp | 1.4% | 1.8% | 1.7% | 77% |
| Net Income ($, YTD) |
$-9000.0
-136.0% YoY — QoQ |
-$327K | $317,817 | $8.7M | $40.4M | 13% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.