BlastPoint's Banking Scorecard

Grand Savings Bank

$1B-$10B Specialty: Commercial OK FDIC cert 32084

Designations: ✓ Community bank

Grove, OK

15 branches across AR · 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 885 banks in the $1B-$10B peer group nationwide — 1 of 21 in OK.
Deposits +8.0% year over year ($897.8M on the books).
Delinquency rate 0.64%.
Return on assets 2.19%.
Efficiency ratio 45.13% vs a 59.73% peer average.
Loan-to-deposit ratio 92.71% vs a 85.04% peer average.

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

885 banks in the $1B-$10B peer group nationally 21 in OK

View $1B-$10B leaderboard (OK) →

Grand Savings Bank has 4 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

+ Return on Assets 0.80% above tier average
+ Net Interest Margin 1.19% above tier average
+ Efficiency Ratio 14.60% below tier average
+ Delinquency Rate 0.23% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 39.1% in tier

Get updates when Grand Savings 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 ?	$1.0B +9.0% YoY +0.2% QoQ	-$1.8B	$2.8B -0.6% YoY	$1.3B +6.0% YoY	$6.3B +7.7% YoY	Bottom 2.8% in tier
Total Loans ?	$832.4M +8.6% YoY -1.1% QoQ	-$1.1B	$2.0B -0.3% YoY	$835.5M +7.1% YoY	$3.2B +9.4% YoY	17%
Total Deposits ?	$897.8M +8.0% YoY -0.3% QoQ	-$1.4B	$2.3B -0.5% YoY	$967.8M +5.8% YoY	$4.9B +7.3% YoY	Bottom 8.0% in tier
Return on Assets ?	2.19% +0.8% YoY +2.3% QoQ	+0.80%	1.39% +17.0% YoY	1.35% +7.7% YoY	1.30% +12.1% YoY	Top 6.8% in tier
Net Interest Margin ?	5.06% +0.9% YoY +0.0% QoQ	+1.19%	3.87% +6.2% YoY	4.27% +1.9% YoY	3.95% +4.9% YoY	Top 4.7% in tier
Efficiency Ratio ?	45.13% -0.1% YoY -0.1% QoQ	-14.60%	59.73% -12.6% YoY	64.81% -3.0% YoY	70.05% +2.5% YoY	Top 11.8% in tier
Delinquency Rate ?	0.64% -41.1% YoY +3.6% QoQ	-0.23%	0.87% +11.7% YoY	1.78% +23.7% YoY	0.98% +16.3% YoY	42%
Loan-to-Deposit Ratio ?	92.71% +0.6% YoY -0.8% QoQ	+7.68%	85.04% -0.1% YoY	74.14% +1.3% YoY	79.03% +2.3% YoY	34%
Non-Interest-Bearing Deposit Share ?	21.84% -4.0% YoY +1.4% QoQ	+0.57%	21.27% -1.5% YoY	23.91% -1.8% YoY	21.98% -0.6% YoY	60%
Nonperforming Asset Ratio ?	0.54% -42.0% YoY +2.1% QoQ	-0.13%	0.67% +11.7% YoY	1.24% +23.1% YoY	0.69% +15.8% YoY	40%
Tier 1 Capital Ratio ?	11.97% +1.2% YoY +3.0% QoQ	-2.87%	14.84% -0.4% YoY	14.18% -3.9% YoY	17.09% +0.8% YoY	33%
Non-Interest Income / Assets ?	0.29% -7.9% YoY +119.7% QoQ	-0.23%	0.53% +2.5% YoY	0.31% -11.7% YoY	0.66% +5.2% YoY	50%

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	21.8% -0.9pp YoY +0.3pp QoQ	+0.5pp	21.4%	23.9%	22.2%	60%
Brokered Deposits	0.2% -0.4pp YoY -0.6pp QoQ	-9.2pp	9.5%	9.7%	8.5%	8%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
C&I	6.0% -1.9pp YoY -0.8pp QoQ	-8.0pp	14.0%	15.7%	12.5%	23%
CRE	51.0% +3.1pp YoY +0.9pp QoQ	+1.0pp	50.0%	42.0%	41.4%	54%
1-4 Family	33.1% 0.0pp YoY +0.1pp QoQ	+6.6pp	26.4%	24.0%	31.3%	71%
Consumer	4.4% -0.7pp YoY 0.0pp QoQ	-0.3pp	4.7%	5.6%	5.0%	79%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	15.6%	17.0%	19.7%	n/a
Leverage Ratio	12.0% +0.1pp YoY +0.3pp QoQ	+0.7pp	11.3%	11.7%	12.6%	76%
Total Capital Ratio	n/a	n/a	16.7%	18.2%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Full-Time Employees	193 +7 (+3.8%) YoY +5 (+2.7%) QoQ	-121	313	150	482	39%
Assets per Employee ($)	$5.3M +5.0% YoY -2.4% QoQ	-$5.1M	$10.5M	$6.5M	$8.8M	6%
Branch Count	15 0 YoY 0 QoQ	-5	20	8	18	50%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% 0.0pp YoY 0.0pp QoQ	-0.2pp	0.2%	0.9%	0.4%	4%
Nonaccrual	0.6% -0.4pp YoY 0.0pp QoQ	-0.2pp	0.8%	1.5%	1.0%	59%
Allowance Coverage	1.92x +103.2% YoY -0.1% QoQ	-16.79x	18.71x	61.99x	20.23x	47%
Net Charge-off Rate (YTD)	-0.0% 0.0pp YoY 0.0pp QoQ	-0.3pp	0.3%	0.2%	0.2%	11%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
ROE	18.9% -0.6pp YoY +0.2pp QoQ	+6.3pp	12.6%	11.9%	11.6%	88%
Cost of Funds (YTD)	1.8% -0.1pp YoY 0.0pp QoQ	-0.1pp	1.9%	1.8%	1.7%	43%
Net Income ($, YTD)	$11.2M +8.9% YoY — QoQ	-$8.0M	$19.2M	$8.7M	$40.4M	45%

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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

#142 of 361 • Bottom 39.1% 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: 92.71%

(Tier: 85.04%, National: 79.03%)

worse than tier avg

361 of 361 Mid-Market banks match · 1092 nationally

→ Stable +81 banks QoQ | QoQ rank improving

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 885 peers in $1B-$10B

Top Strengths (3 metrics)

Net Interest Margin

profitability

Value: 5.06%

Peer Median: 3.87%

#43 of 885 Top 4.7% in $1B-$10B

Return on Assets

profitability

Value: 2.19%

Peer Median: 1.39%

#61 of 885 Top 6.8% in $1B-$10B

105

Efficiency Ratio

profitability

Value: 45.13%

Peer Median: 59.73%

#105 of 885 Top 11.8% in $1B-$10B

Top Weaknesses (3 metrics)

861

Total Assets

size

Value: $1.03B

Peer Median: $2.79B

#861 of 885 Bottom 2.8% in $1B-$10B

815

Total Deposits

size

Value: $897.85M

Peer Median: $2.32B

#815 of 885 Bottom 8.0% in $1B-$10B

739

Total Loans

size

Value: $832.41M

Peer Median: $1.96B

#739 of 885 Bottom 16.6% in $1B-$10B