Bank Comparison
BancCentral, National Association vs Bank of Grand Lake
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
7 · 16
winning metrics across 23 comparable rows
Capital adequacy
| Metric | BancCentral, National Association | Bank of Grand Lake |
|---|---|---|
| CET1 Ratio | 18.30% | 19.88% |
| Tier 1 Capital Ratio | 18.30% | 19.88% |
| Total Capital Ratio | 19.57% | 20.61% |
| Tier 1 Leverage Ratio | 8.76% | 10.91% |
| Equity / Assets | 3.95% | 10.82% |
Profitability
| Metric | BancCentral, National Association | Bank of Grand Lake |
|---|---|---|
| Return on Assets (ROA) | -2.97% | 1.24% |
| Return on Equity (ROE) | -73.50% | 11.45% |
| Net Interest Margin (NIM) | 1.96% | 3.70% |
| Yield on Earning Assets | 4.21% | 5.35% |
| Cost of Funds | 2.33% | 1.79% |
Asset quality
| Metric | BancCentral, National Association | Bank of Grand Lake |
|---|---|---|
| Texas Ratio | 55.03% | 1.06% |
| Non-Performing Loan Ratio | 9.19% | 0.19% |
| Non-Performing Asset Ratio | 2.96% | 0.12% |
| Net Charge-Off Ratio | -0.15% | -0.01% |
| ACL / Loans | 4.76% | 0.62% |
Balance sheet
| Metric | BancCentral, National Association | Bank of Grand Lake |
|---|---|---|
| Total Assets | $243,005K | $239,560K |
| Total Deposits | $230,414K | $213,056K |
| Total Loans | $72,842K | $151,978K |
| Total Equity | $9,597K | $25,926K |
| Net Income (quarter) | $-1,990 | $736 |
Liquidity & funding
| Metric | BancCentral, National Association | Bank of Grand Lake |
|---|---|---|
| Loan-to-Deposit Ratio | 31.61% | 71.33% |
| Core Deposit Ratio | 97.50% | 87.34% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | BancCentral, National Association | Bank of Grand Lake |
|---|---|---|
| Headquarters City | Alva | GROVE |
| Headquarters State | OK | OK |
| Asset Tier | Small | Small |
| Charter Class | 12152 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 4 | 2 |
| Employees (FTE) | 59 | 35 |
| Established | Aug. 11, 1913, midnight | June 9, 2005, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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