Bank of Grand Lake
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Data as of · sourced from FFIEC call reports. How we update
Bank of Grand Lake is an FDIC-insured commercial bank headquartered in Grove, OK, established in 2005 (FDIC certificate 57915), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $249.1M, up 0.9% from Q2 2025, the 91st largest of 169 banks headquartered in Oklahoma. Its CET1 capital ratio was 16.89% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 57915
- Headquarters
- Grove, OK
- Established
- 2005
- Total assets, Q2 2026
- $249.1M
- Assets vs Q2 2025
- +0.9%
- CET1 ratio, Q2 2026
- 16.89%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 103189682
- Latest call report
- Q2 2026, FFIEC 051 · Bank of Grand Lake Q3 2026 call report, filed October 27, 2026 (preliminary)
- Holding company
- TOWNSEND HOLDING COMPANY
- Asset rank in state
- 91st of 169 in Oklahoma
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%. The figures come from its call report filed with the FFIEC.
Of the 169 banks headquartered in Oklahoma, Bank of Grand Lake is the 91st largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 4.0% to $249.1M, loans rose 3.0% and deposits rose 2.7%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 46.8% of total loans, ahead of owner-occupied commercial real estate loans at 14.5%. Its 2 offices in the FDIC Summary of Deposits are in Grove, OK and Langley, OK; its Grove office books 87% of its branch deposits. By the capital ratios in its Q2 2026 call report, Bank of Grand Lake meets every capital ratio test for well capitalized.
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)
- Domestic offices
- 2 FDIC institution directory, current count
- 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
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Bank of Grand Lake's total assets ranged from $235.5M (Q4 2025) to $252.9M (Q1 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$249.1M total assets against $247.0M; $224.5M total liabilities against $221.9M.
$155.5M net loans and leases against $142.7M; $218.8M total deposits against $221.2M.
$64.7M securities against $73.1M; $21.5M cash and balances due against $23.1M.
$3.0M total interest income against $3.0M; $1.0M total interest expense against $1.0M.
$2.0M net interest income against $2.0M.
$70K total noninterest income against $2.5M; $1.4M total noninterest expense against $1.2M.
No provision recorded in the last 12 quarters.
$619K net income against $3.3M.
1.02% return on assets against 5.27%; 3.66% net interest margin against 3.43%.
16.89% CET1 capital ratio against 19.20%; 10.12% tier 1 leverage ratio against 10.06%.
Inside the full Bank of Grand Lake terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeBank of Grand Lake rankings
Its closest position to the top of a national ranking is 596 of 2,134, for CET1 ratio; its furthest is 2,475 of 3,611, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.02% (Q2 2026) to 5.27% (Q2 2025) and its net interest margin ran from 3.39% (Q3 2024) to 3.87% (Q4 2025).
| 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
View all 2 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Bank of Grand Lake (main office) | Grove , OK | 74344 | $190.5M |
| Langley Branch | Langley , OK | 74350 | $28.3M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in OK, rank 103 of 192 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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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.
Where is Bank of Grand Lake headquartered?
It is headquartered in Grove, OK, United States.
When was Bank of Grand Lake founded?
It was established in 2005, per the FDIC institution directory.
Is Bank of Grand Lake FDIC-insured?
Yes. It 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.
What is Bank of Grand Lake's CET1 capital ratio?
It 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?
It 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?
Its Texas Ratio is 5.88% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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.
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