Bank of Grand Lake: Financial Reports & UBPR Data
BankRegReports is independent of Bank of Grand Lake and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Problem loans are rising at Bank of Grand Lake. It reported $249 million in assets at June 30, 2026. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.96% of loans from 0.06% a year earlier. It lost 1.1% of its deposits over the year, lower than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 4.0%).
Earnings fell sharply: quarterly net income of $619,000 was 81% below a year earlier. Over the same year, loans grew 8.9% and deposits shrank 1.1%.
As of June 30, 2026, Bank of Grand Lake reported a CET1 capital ratio of 16.89%, a return on assets of 1.02%, a nonperforming-loan ratio of 0.96% and a Texas ratio of 5.88%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 201 E 18th St, Grove, OK 74344
- County
- Delaware
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- June 9, 2005
- Former names
- Bank of Grove (2007-2017)
- Offices
- 2 domestic
- Employees (FTE)
- 36
- Domestic deposits
- $218.8M
- Allowance for credit losses
- $943K
- Net charge-offs (YTD)
- $1K
- Average total assets
- $243.8M
- Average total loans
- $136.0M
- Average interest-bearing deposits
- $186.5M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- June 9, 2005
- FDIC Cert
- 57915
- Fed RSSD
- 3286999
- Website
- www.bankofgrandlake.com →
- Parent Holding Company
- TOWNSEND HOLDING COMPANY (RSSD 4446521)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD. The UBPR's YTD ROA divides by the average of the quarterly average assets the bank reports on Schedule RC-K, while FDIC BankFind divides by the average of quarter-end total assets, so FDIC's ROA can differ from the YTD figure by a few hundredths of a point.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
No provision recorded in the last 12 quarters.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Bank of Grand Lake terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Bank of Grand Lake, freeBank of Grand Lake rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 16.89% | 1.02% | 0.96% | 5.88% | 3.66% |
| Q1 2026 | 19.88% | 1.24% | 0.19% | 1.06% | 3.70% |
| Q4 2025 | 19.76% | 1.41% | 0.19% | 1.06% | 3.87% |
| Q3 2025 | 20.17% | 1.66% | 0.16% | 0.89% | 3.79% |
| Q2 2025 | 19.20% | 5.27% | 0.06% | 0.34% | 3.43% |
| Q1 2025 | 16.97% | 1.31% | 0.00% | 0.00% | 3.55% |
| Q4 2024 | 16.09% | 1.31% | 0.00% | 0.00% | 3.40% |
| Q3 2024 | 15.99% | 1.29% | 0.00% | 0.00% | 3.39% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 2 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Bank of Grand Lake (main office) | Grove , OK | 74344 | $190.5M |
| Langley Branch | Langley , OK | 74350 | $28.3M |
Regulatory record
What the public regulatory sources show for Bank of Grand Lake, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.1% of deposits in OK, rank 103 of 194 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- Not on file: no SBA 7(a) loans matched
- Period: not on file. Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
Add this badge to your website
Free to use. The badge always shows Bank of Grand Lake’s most recent filed regulatory figures. It updates automatically each quarter, so it never goes stale.
Similar banks
Compare Bank of Grand Lake with peers
Side-by-side comparison of capital, profitability, asset quality, and balance sheet. Pick a peer to view the full head-to-head.
Frequently asked about Bank of Grand Lake
What are Bank of Grand Lake's total assets?
As of the Q2 2026 filing, Bank of Grand Lake reported total assets of $249.1 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Bank of Grand Lake headquartered?
Bank of Grand Lake is headquartered in Grove, OK, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Bank of Grand Lake founded?
Bank of Grand Lake was established in 2005, per the FDIC institution directory.
Is Bank of Grand Lake FDIC-insured?
Yes. Bank of Grand Lake is an FDIC-insured commercial bank (FDIC Certificate #57915). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bank of Grand Lake?
Bank of Grand Lake's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Bank of Grand Lake's CET1 capital ratio?
Bank of Grand Lake reported a Common Equity Tier 1 (CET1) capital ratio of 16.89% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Bank of Grand Lake operate?
Bank of Grand Lake operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Bank of Grand Lake's Texas Ratio?
Bank of Grand Lake's Texas Ratio is 5.88% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Bank of Grand Lake previously called?
The charter now named Bank of Grand Lake has also operated as Bank of Grove (2007-2017), per FDIC structure-change records.
Go deeper on Bank of Grand Lake.
Unlock the full terminal: 26 years of quarterly trends, peer benchmarking, watch flags, and Excel tearsheets for this bank and every other US institution.
Unlock Bank of Grand Lake, freeFree account