Bank of Grand Lake: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Bank of Grand Lake of Grove, OK against its peer group of 2603 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.02% | 1.34% | -0.32% | 34th below |
| ROAE | 9.79% | 13.32% | -3.53% | 35th below |
| Net Interest Margin | 3.66% | 3.93% | -0.27% | 35th below |
| Efficiency Ratio | 63.91% | 61.13% | +2.78% | 42nd below |
| PPNR / Avg Assets | 1.02% | 1.68% | -0.66% | 21st bottom |
| Yield on Earning Assets | 5.38% | 5.67% | -0.29% | 39th below |
| Cost of Funds | 1.89% | 1.88% | +0.01% | 44th below |
| Net Interest Spread | 3.26% | 3.32% | -0.06% | 47th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.88% | 0.94% | -0.06% | 31st below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.55% | 0.70% | -0.15% | 35th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.01% | 0.16% | -0.15% | 37th below |
| ACL / Total Loans | 0.60% | 1.28% | -0.68% | 5th bottom |
| ACL / NPLs (Coverage) | 68.43% | 1546.51% | -1478.08% | 17th bottom |
| Texas Ratio Ahead of the peer average, behind the median peer. | 5.88% | 7.34% | -1.46% | 36th below |
| Provision / NCO | -200.00% | 1395.45% | -1595.45% | 4th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 16.89% | 19.49% | -2.60% | 63rd above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 16.89% | 19.52% | -2.63% | 63rd above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 17.54% | 20.61% | -3.07% | 60th above |
| Leverage Ratio | 10.12% | 12.14% | -2.02% | 34th below |
| Equity / Assets | 9.90% | 11.37% | -1.47% | 43rd below |
| TCE / Tangible Assets | 9.90% | 11.08% | -1.18% | 48th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 71.53% | 80.66% | -9.13% | 68th above |
| Core Deposit Ratio | 83.75% | 86.85% | -3.10% | 26th below |
| Wholesale Funding Ratio | 2.01% | 5.04% | -3.03% | 68th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.86% | 6.84% | -5.98% | 25th below |
| Loan Growth (Y/Y) | 8.90% | 7.92% | +0.98% | 69th above |
| Deposit Growth (Y/Y) | -1.09% | 6.29% | -7.38% | 18th bottom |
See Bank of Grand Lake's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Bank of Grand Lake, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Bank of Grand Lake profile, how to read a UBPR, or how this data updates.