BlastPoint's Banking Scorecard

Grand Bank

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

Tulsa, OK

4 branches across OK · TX

2664 banks in the $100M-$1B peer group nationally 107 in OK

Grand Bank has 5 strengths but faces 1 concern

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 0.89% below tier average
+ Nonperforming Asset Ratio 0.64% below tier average
+ ROA 0.17% above tier average
+ Net Interest Margin 0.26% above tier average
+ Efficiency Ratio 11.30% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 31.6% in tier

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Total Assets ?	$679.2M +4.9% YoY +3.9% QoQ	+$293.1M	$386.1M +0.5% YoY	$1.2B +6.7% YoY	$6.2B +9.1% YoY	Top 13.6% in tier
Total Loans ?	$534.3M +6.4% YoY +0.8% QoQ	+$278.6M	$255.7M +1.1% YoY	$822.6M +7.2% YoY	$3.2B +10.8% YoY	Top 8.8% in tier
Total Deposits ?	$575.7M +0.8% YoY +2.3% QoQ	+$247.7M	$328.0M +0.1% YoY	$956.7M +4.7% YoY	$4.8B +8.2% YoY	Top 14.2% in tier
Return on Assets ?	1.44% +8.0% YoY +13.1% QoQ	+0.17%	1.27% +12.9% YoY	1.34% +7.6% YoY	1.23% +13.4% YoY	64%
Net Interest Margin ?	4.19% +2.4% YoY +1.6% QoQ	+0.26%	3.93% +6.0% YoY	4.25% +2.4% YoY	3.89% +5.7% YoY	68%
Efficiency Ratio ?	53.98% -3.3% YoY -6.6% QoQ	-11.30%	65.29% -4.5% YoY	65.16% -1.8% YoY	66.95% -4.1% YoY	76%
Delinquency Rate ?	0.00% -100.0% YoY -100.0% QoQ	-0.89%	0.89% +18.8% YoY	1.61% +16.3% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	92.81% +5.5% YoY -1.5% QoQ	+16.18%	76.64% +0.8% YoY	73.83% +1.6% YoY	76.70% +0.9% YoY	19%
Non-Interest-Bearing Deposit Share ?	30.11% +7.4% YoY -5.5% QoQ	+8.09%	22.02% -1.0% YoY	23.68% -1.7% YoY	22.01% -1.2% YoY	82%
Nonperforming Asset Ratio ?	0.00% -100.0% YoY -100.0% QoQ	-0.64%	0.64% +19.7% YoY	1.12% +15.3% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	12.91% +1.3% YoY +2.4% QoQ	-2.92%	15.83% +1.5% YoY	14.36% -1.8% YoY	17.06% +0.8% YoY	46%
Non-Interest Income / Assets ?	0.04% +4.5% YoY -75.0% QoQ	-0.24%	0.28% +9.3% YoY	0.15% -5.6% YoY	0.32% +4.1% YoY	16%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

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

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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 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 (1)

Liquidity Strain

risk

#204 of 643 • Bottom 31.6% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 92.81%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank declining

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 2664 peers in $100M-$1B

Top Strengths (7 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 2654 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.64%

#1 of 2664 Top 0.1% in $100M-$1B

235

Total Loans

size

Value: $534.33M

Peer Median: $255.72M

#235 of 2664 Top 8.8% in $100M-$1B

363

Total Assets

size

Value: $679.20M

Peer Median: $386.08M

#363 of 2664 Top 13.6% in $100M-$1B

380

Total Deposits

size

Value: $575.70M

Peer Median: $327.97M

#380 of 2664 Top 14.2% in $100M-$1B

476

Non-Interest-Bearing Deposit Share

funding

Value: 30.11%

Peer Median: 22.02%

#476 of 2664 Top 17.8% in $100M-$1B

637

Efficiency Ratio

profitability

Value: 53.98%

Peer Median: 65.29%

#637 of 2664 Top 23.9% in $100M-$1B

Top Weaknesses (2 metrics)

2234

Non-Interest Income / Assets

revenue_mix

Value: 0.04%

Peer Median: 0.28%

#2234 of 2664 Bottom 16.2% in $100M-$1B

2165

Loan-to-Deposit Ratio

liquidity

Value: 92.81%

Peer Median: 76.64%

#2165 of 2664 Bottom 18.8% in $100M-$1B