BlastPoint's Banking Scorecard
Grand Savings Bank
Designations: ✓ Community bank
Grove, OK
15 branches across AR · OK
Grand Savings Bank shows strong momentum with 4 strengths and 9.7% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 49.3% in tier
- + Net Interest Margin 1.24% above tier average
- + Efficiency Ratio 15.90% below tier average
- + Delinquency Rate 0.28% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.0B
+9.7% YoY
+1.6% QoQ
|
-$1.8B |
$2.8B
-0.1% YoY
|
$1.2B
+6.7% YoY
|
$6.2B
+9.1% YoY
|
Bottom 2.9% in tier |
| Total Loans ? |
$841.8M
+14.4% YoY
+3.4% QoQ
|
-$1.1B |
$2.0B
+0.6% YoY
|
$822.6M
+7.2% YoY
|
$3.2B
+10.8% YoY
|
19% |
| Total Deposits ? |
$900.3M
+8.7% YoY
+1.1% QoQ
|
-$1.4B |
$2.3B
-0.3% YoY
|
$956.7M
+4.7% YoY
|
$4.8B
+8.2% YoY
|
Bottom 6.7% in tier |
| Return on Assets ? |
2.14%
+3.6% YoY
-1.5% QoQ
|
+0.78% |
1.37%
+19.6% YoY
|
1.34%
+7.6% YoY
|
1.23%
+13.4% YoY
|
Top 7.1% in tier |
| Net Interest Margin ? |
5.06%
+3.4% YoY
-2.0% QoQ
|
+1.24% |
3.82%
+6.9% YoY
|
4.25%
+2.4% YoY
|
3.89%
+5.7% YoY
|
Top 4.9% in tier |
| Efficiency Ratio ? |
45.16%
-2.7% YoY
+2.2% QoQ
|
-15.90% |
61.06%
-4.6% YoY
|
65.16%
-1.8% YoY
|
66.95%
-4.1% YoY
|
Top 11.2% in tier |
| Delinquency Rate ? |
0.61%
-48.2% YoY
-9.0% QoQ
|
-0.28% |
0.89%
+14.1% YoY
|
1.61%
+16.3% YoY
|
0.95%
+18.8% YoY
|
46% |
| Loan-to-Deposit Ratio ? |
93.51%
+5.2% YoY
+2.3% QoQ
|
+9.30% |
84.20%
+0.3% YoY
|
73.83%
+1.6% YoY
|
76.70%
+0.9% YoY
|
28% |
| Non-Interest-Bearing Deposit Share ? |
21.53%
-1.3% YoY
+6.5% QoQ
|
+0.24% |
21.29%
-2.5% YoY
|
23.68%
-1.7% YoY
|
22.01%
-1.2% YoY
|
58% |
| Nonperforming Asset Ratio ? |
0.53%
-45.3% YoY
-1.7% QoQ
|
-0.14% |
0.67%
+15.6% YoY
|
1.12%
+15.3% YoY
|
0.67%
+19.3% YoY
|
42% |
| Tier 1 Capital Ratio ? |
11.62%
+3.6% YoY
-2.3% QoQ
|
-3.54% |
15.16%
+2.0% YoY
|
14.36%
-1.8% YoY
|
17.06%
+0.8% YoY
|
26% |
| Non-Interest Income / Assets ? |
0.13%
-3.3% YoY
-77.9% QoQ
|
-0.12% |
0.26%
+1.6% YoY
|
0.15%
-5.6% YoY
|
0.32%
+4.1% YoY
|
46% |
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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 (1)
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.