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Grand Bank

$100M-$1B Specialty: Commercial OK FDIC cert 22065

Tulsa, OK

4 branches across OK · TX

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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 106 in OK.
  • Deposits +5.1% year over year ($617.9M on the books).
  • Delinquency rate 0.00%.
  • Return on assets 1.50%.
  • Efficiency ratio 53.05% vs a 64.48% peer average.
  • Loan-to-deposit ratio 89.74% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 106 in OK
View $100M-$1B leaderboard (OK) →

Grand Bank shows strong momentum with 5 strengths and 7.3% YoY asset growth

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 0.92% below tier average
  • + Nonperforming Asset Ratio 0.67% below tier average
  • + ROA 0.18% above tier average
  • + Net Interest Margin 0.32% above tier average
  • + Efficiency Ratio 11.43% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when Grand Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Total Assets ? $712.8M
+7.3% YoY +4.9% QoQ
+$326.2M $386.6M
+1.2% YoY
$1.3B
+6.0% YoY
$6.3B
+7.7% YoY
Top 12.1% in tier
Total Loans ? $554.5M
+10.4% YoY +3.8% QoQ
+$296.1M $258.3M
+1.7% YoY
$835.5M
+7.1% YoY
$3.2B
+9.4% YoY
Top 7.8% in tier
Total Deposits ? $617.9M
+5.1% YoY +7.3% QoQ
+$291.2M $326.7M
+0.7% YoY
$967.8M
+5.8% YoY
$4.9B
+7.3% YoY
Top 11.0% in tier
Return on Assets ? 1.50%
+20.1% YoY +4.2% QoQ
+0.18% 1.32%
+10.8% YoY
1.35%
+7.7% YoY
1.30%
+12.1% YoY
65%
Net Interest Margin ? 4.31%
+7.2% YoY +2.9% QoQ
+0.32% 3.99%
+5.0% YoY
4.27%
+1.9% YoY
3.95%
+4.9% YoY
71%
Efficiency Ratio ? 53.05%
-7.9% YoY -1.7% QoQ
-11.43% 64.48%
-3.2% YoY
64.81%
-3.0% YoY
70.05%
+2.5% YoY
77%
Delinquency Rate ? 0.00%
-100.0% YoY
-0.92% 0.92%
+15.7% YoY
1.78%
+23.7% YoY
0.98%
+16.3% YoY
Top 0.1% in tier
Loan-to-Deposit Ratio ? 89.74%
+5.1% YoY -3.3% QoQ
+11.78% 77.95%
+1.0% YoY
74.14%
+1.3% YoY
79.03%
+2.3% YoY
27%
Non-Interest-Bearing Deposit Share ? 32.12%
+9.9% YoY +6.7% QoQ
+10.09% 22.03%
-0.6% YoY
23.91%
-1.8% YoY
21.98%
-0.6% YoY
Top 14.2% in tier
Nonperforming Asset Ratio ? 0.00%
-100.0% YoY
-0.67% 0.67%
+16.4% YoY
1.24%
+23.1% YoY
0.69%
+15.8% YoY
Top 0.1% in tier
Tier 1 Capital Ratio ? 12.56%
-3.4% YoY -2.7% QoQ
-3.35% 15.91%
+1.4% YoY
14.18%
-3.9% YoY
17.09%
+0.8% YoY
42%
Non-Interest Income / Assets ? 0.08%
-2.7% YoY +86.7% QoQ
-0.48% 0.57%
+7.6% YoY
0.31%
-11.7% YoY
0.66%
+5.2% YoY
Bottom 13.5% in tier

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 32.1%
+2.9pp YoY
+2.0pp QoQ
 +10.0pp 22.1% 23.9% 22.2% 86%
Brokered Deposits 7.9%
+0.5pp YoY
+0.2pp QoQ
 0.0pp 7.9% 9.7% 8.5% 68%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
C&I 16.0%
+2.6pp YoY
+2.9pp QoQ
 +4.5pp 11.6% 15.7% 12.5% 79%
CRE 60.5%
-2.2pp YoY
-1.9pp QoQ
 +21.0pp 39.5% 42.0% 41.4% 85%
1-4 Family 20.9%
-0.1pp YoY
-0.7pp QoQ
 -11.7pp 32.6% 24.0% 31.3% 32%
Consumer 0.1%
-0.2pp YoY
0.0pp QoQ
 -4.0pp 4.1% 5.6% 5.0% 5%

Capital

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
CET1 Ratio 12.6%
-0.4pp YoY
-0.3pp QoQ
 -6.3pp 18.8% 17.0% 19.7% 23%
Leverage Ratio 10.3%
-0.1pp YoY
-0.5pp QoQ
 -1.8pp 12.2% 11.7% 12.6% 38%
Total Capital Ratio 13.8%
-0.4pp YoY
-0.4pp QoQ
 -6.1pp 19.9% 18.2% 20.8% 24%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Full-Time Employees 59
+4 (+7.3%) YoY
+2 (+3.5%) QoQ
 +0 58 150 482 62%
Assets per Employee ($) $12.1M
0.0% YoY
+1.4% QoQ
 +$4.6M $7.5M $6.5M $8.8M 93%
Branch Count 4
0 YoY
0 QoQ
 -1 4 8 18 42%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.9% 0.4% n/a
Nonaccrual n/a n/a 0.9% 1.5% 1.0% n/a
Allowance Coverage n/a n/a 24.15x 61.99x 20.23x n/a
Net Charge-off Rate (YTD) n/a n/a 0.1% 0.2% 0.2% n/a

Profitability

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
ROE 15.8%
+1.8pp YoY
+0.8pp QoQ
 +3.6pp 12.2% 11.9% 11.6% 72%
Cost of Funds (YTD) 1.7%
-0.4pp YoY
0.0pp QoQ
 0.0pp 1.7% 1.8% 1.7% 51%
Net Income ($, YTD) $5.1M
+26.8% YoY
— QoQ
 +$2.6M $2.6M $8.7M $40.4M 88%

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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (7 metrics)

1
Delinquency Rate
credit_quality
Value: 0.00%
Peer Median: 0.92%
#1 of 2633 Top 0.1% in $100M-$1B
1
Nonperforming Asset Ratio
credit_quality
Value: 0.00%
Peer Median: 0.67%
#1 of 2643 Top 0.1% in $100M-$1B
206
Total Loans
size
Value: $554.48M
Peer Median: $258.35M
#206 of 2643 Top 7.8% in $100M-$1B
291
Total Deposits
size
Value: $617.90M
Peer Median: $326.73M
#291 of 2643 Top 11.0% in $100M-$1B
321
Total Assets
size
Value: $712.80M
Peer Median: $386.57M
#321 of 2643 Top 12.1% in $100M-$1B
376
Non-Interest-Bearing Deposit Share
funding
Value: 32.12%
Peer Median: 22.03%
#376 of 2643 Top 14.2% in $100M-$1B
621
Efficiency Ratio
profitability
Value: 53.05%
Peer Median: 64.48%
#621 of 2643 Top 23.5% in $100M-$1B

Top Weaknesses (1 metrics)

2288
Non-Interest Income / Assets
revenue_mix
Value: 0.08%
Peer Median: 0.57%
#2288 of 2643 Bottom 13.5% in $100M-$1B
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