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Bank of Grand Lake

$100M-$1B Specialty: Other OK FDIC cert 57915

Designations: ✓ Minority Depository Institution

Grove, OK

2 branches across 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 106 in OK.
  • Deposits -1.1% year over year ($218.8M on the books).
  • Delinquency rate 0.97%.
  • Return on assets 1.12%.
  • Efficiency ratio 67.04% vs a 64.48% peer average.
  • Loan-to-deposit ratio 71.09% 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) →

Bank of Grand Lake faces 3 concerns requiring attention

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

No key strengths identified

Key Concerns

Areas that may need attention

  • - Margin Compression: Bottom 4.2% in tier
  • - Net Interest Margin 0.60% below tier average
  • - Efficiency Ratio 2.56% above tier average
Get updates when Bank of Grand Lake releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Total Assets ? $249.1M
+0.9% YoY +4.0% QoQ
-$137.4M $386.6M
+1.2% YoY
$1.3B
+6.0% YoY
$6.3B
+7.7% YoY
36%
Total Loans ? $155.5M
+9.0% YoY +3.0% QoQ
-$102.8M $258.3M
+1.7% YoY
$835.5M
+7.1% YoY
$3.2B
+9.4% YoY
37%
Total Deposits ? $218.8M
-1.1% YoY +2.7% QoQ
-$108.0M $326.7M
+0.7% YoY
$967.8M
+5.8% YoY
$4.9B
+7.3% YoY
38%
Return on Assets ? 1.12%
-66.3% YoY -9.4% QoQ
-0.20% 1.32%
+10.8% YoY
1.35%
+7.7% YoY
1.30%
+12.1% YoY
42%
Net Interest Margin ? 3.39%
-0.8% YoY -1.0% QoQ
-0.60% 3.99%
+5.0% YoY
4.27%
+1.9% YoY
3.95%
+4.9% YoY
23%
Efficiency Ratio ? 67.04%
+76.1% YoY +4.0% QoQ
+2.56% 64.48%
-3.2% YoY
64.81%
-3.0% YoY
70.05%
+2.5% YoY
37%
Delinquency Rate ? 0.97%
+412.8% QoQ
+0.05% 0.92%
+15.7% YoY
1.78%
+23.7% YoY
0.98%
+16.3% YoY
29%
Loan-to-Deposit Ratio ? 71.09%
+10.2% YoY +0.3% QoQ
-6.86% 77.95%
+1.0% YoY
74.14%
+1.3% YoY
79.03%
+2.3% YoY
68%
Non-Interest-Bearing Deposit Share ? 11.93%
-0.5% YoY -5.8% QoQ
-10.10% 22.03%
-0.6% YoY
23.91%
-1.8% YoY
21.98%
-0.6% YoY
Bottom 14.4% in tier
Nonperforming Asset Ratio ? 0.60%
+407.8% QoQ
-0.06% 0.67%
+16.4% YoY
1.24%
+23.1% YoY
0.69%
+15.8% YoY
34%
Tier 1 Capital Ratio ? 16.89%
-12.0% YoY -15.0% QoQ
+0.98% 15.91%
+1.4% YoY
14.18%
-3.9% YoY
17.09%
+0.8% YoY
76%
Non-Interest Income / Assets ? 0.08%
-92.6% YoY +49.2% QoQ
-0.49% 0.57%
+7.6% YoY
0.31%
-11.7% YoY
0.66%
+5.2% YoY
Bottom 12.7% 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 11.9%
-0.1pp YoY
-0.7pp QoQ
 -10.2pp 22.1% 23.9% 22.2% 14%
Brokered Deposits 2.6%
-2.0pp YoY
-0.2pp QoQ
 -5.2pp 7.9% 9.7% 8.5% 35%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
C&I 2.6%
-0.5pp YoY
0.0pp QoQ
 -9.0pp 11.6% 15.7% 12.5% 8%
CRE 26.2%
-2.6pp YoY
0.0pp QoQ
 -13.3pp 39.5% 42.0% 41.4% 28%
1-4 Family 47.1%
+2.7pp YoY
+0.9pp QoQ
 +14.4pp 32.6% 24.0% 31.3% 79%
Consumer 3.4%
-0.8pp YoY
-0.1pp QoQ
 -0.7pp 4.1% 5.6% 5.0% 64%

Capital

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
CET1 Ratio 16.9%
-2.3pp YoY
-3.0pp QoQ
 -1.9pp 18.8% 17.0% 19.7% 63%
Leverage Ratio 10.1%
+0.1pp YoY
-0.8pp QoQ
 -2.1pp 12.2% 11.7% 12.6% 34%
Total Capital Ratio 17.5%
-2.4pp YoY
-3.1pp QoQ
 -2.4pp 19.9% 18.2% 20.8% 60%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Full-Time Employees 36
-2 (-5.3%) YoY
+1 (+2.9%) QoQ
 -23 58 150 482 36%
Assets per Employee ($) $6.9M
+6.5% YoY
+1.1% QoQ
 -$598K $7.5M $6.5M $8.8M 51%
Branch Count 2
0 YoY
0 QoQ
 -3 4 8 18 11%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Past Due 90+ Days 0.1%
0.0pp YoY
 -0.2pp 0.3% 0.9% 0.4% 47%
Nonaccrual 0.9%
+0.7pp QoQ
 -0.1pp 0.9% 1.5% 1.0% 68%
Allowance Coverage 0.63x
-94.1% YoY
-81.2% QoQ
 -23.53x 24.15x 61.99x 20.23x 15%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.2% 0.2% 31%

Profitability

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
ROE 10.7%
-25.5pp YoY
-0.8pp QoQ
 -1.5pp 12.2% 11.9% 11.6% 41%
Cost of Funds (YTD) 1.7%
-0.1pp YoY
0.0pp QoQ
 0.0pp 1.7% 1.8% 1.7% 50%
Net Income ($, YTD) $1.4M
-67.0% YoY
— QoQ
 -$1.2M $2.6M $8.7M $40.4M 38%

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)

Margin Compression

decline
#14 of 307 • Bottom 4.2% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature
Return on Assets: 1.12%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
307 of 307 Community banks match · 413 nationally
→ Stable +8 banks QoQ

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 (1 metrics)

624
Tier 1 Capital Ratio
capital
Value: 16.89%
Peer Median: 15.91%
#624 of 2643 Top 23.6% in $100M-$1B

Top Weaknesses (3 metrics)

2309
Non-Interest Income / Assets
revenue_mix
Value: 0.08%
Peer Median: 0.57%
#2309 of 2643 Bottom 12.7% in $100M-$1B
2263
Non-Interest-Bearing Deposit Share
funding
Value: 11.93%
Peer Median: 22.03%
#2263 of 2643 Bottom 14.4% in $100M-$1B
2034
Net Interest Margin
profitability
Value: 3.39%
Peer Median: 3.99%
#2034 of 2643 Bottom 23.1% in $100M-$1B
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