Grand Bank
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Data as of · sourced from FFIEC call reports. How we update
Grand Bank is an FDIC-insured commercial bank headquartered in Tulsa, OK, established in 1975 (FDIC certificate 22065), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $712.8M, up 7.3% from Q2 2025, the 36th largest of 169 banks headquartered in Oklahoma. Its CET1 capital ratio was 12.56% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 22065
- Headquarters
- Tulsa, OK
- Established
- 1975
- Total assets, Q2 2026
- $712.8M
- Assets vs Q2 2025
- +7.3%
- CET1 ratio, Q2 2026
- 12.56%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 103912875
- Latest call report
- Q2 2026, FFIEC 051 · Grand Bank call report
- Holding company
- GRAND CAPITAL CORPORATION
- Asset rank in state
- 36th of 169 in Oklahoma
Grand Bank leans heavily on commercial real estate. Based in Tulsa, Oklahoma, it had $713 million in assets at June 30, 2026, up 7.3% from a year earlier. It holds commercial real estate loans worth 2.8 times its capital, 2.4 times the median of 1.2 times for the 2,660 banks with $100 million to $1 billion in assets. On the other hand, it carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 banks its size (median 2.6%).
Earnings jumped: net income for the quarter was $2.7 million, 42% above the same quarter a year earlier. Over the same year, loans grew 10.3% and deposits grew 5.1%. Where it has less room is capital: it holds common equity equal to 12.56% of its risk-weighted assets, lower than about three-quarters of banks its size (median 15.12%).
As of June 30, 2026, Grand Bank reported a CET1 capital ratio of 12.56%, a return on assets of 1.54%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
Grand Bank ranks as the 36th largest of the 169 banks based in Oklahoma, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 4.9% to $712.8M, loans rose 3.7% and deposits rose 7.3%. Its loan book on June 30, 2026 was led by non-owner-occupied commercial real estate loans, at 27.4% of total loans, followed by 1-4 family residential loans at 20.6%. The FDIC Summary of Deposits lists 4 offices for it, in Tulsa, OK, Dallas, TX and Houston, TX; its Tulsa 2 offices book 82% of its branch deposits. Judged on its Q2 2026 call report, Grand Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 2642 E 21st St, Tulsa, OK 74114
- County
- Tulsa
- Metro Area
- Tulsa, OK
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- July 21, 1975
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 59
- Domestic deposits
- $617.9M
- Allowance for credit losses
- $8.9M
- Net charge-offs (YTD)
- $0
- Average total assets
- $706.1M
- Average total loans
- $558.1M
- Average interest-bearing deposits
- $417.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- July 21, 1975
- FDIC Cert
- 22065
- Fed RSSD
- 76854
- SEC CIK
- 1001692 → filed by GRAND CAPITAL CORPORATION
- Website
- www.grandbank.com →
- Parent Holding Company
- GRAND CAPITAL CORPORATION (RSSD 1065967)
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
Grand Bank's total assets moved between a low of $591.7M (Q4 2023) and a high of $712.8M (Q2 2026) from Q3 2023 to Q2 2026, 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
$712.8M total assets against $664.6M; $646.6M total liabilities against $605.7M.
$554.5M net loans and leases against $502.1M; $617.9M total deposits against $588.0M.
$76.3M securities against $66.1M; $47.7M cash and balances due against $62.1M.
$10.2M total interest income against $9.3M; $2.8M total interest expense against $3.2M.
$7.3M net interest income against $6.1M.
$283K total noninterest income against $285K; $4.0M total noninterest expense against $3.8M.
$60K provision for credit losses against $60K.
$2.7M net income against $1.9M.
1.54% return on assets against 1.16%; 4.34% net interest margin against 3.88%.
12.56% CET1 capital ratio against 13.00%; 10.33% tier 1 leverage ratio against 10.40%.
Inside the full Grand Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Grand Bank rankings
Its closest position to the top of a national ranking is 908 of 3,606, for efficiency ratio; its furthest is 3,386 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.01% (Q3 2024) to 1.54% (Q2 2026) and its net interest margin ran from 3.55% (Q3 2024) to 4.34% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.56% | 1.54% | 0.00% | 0.00% | 4.34% |
| Q1 2026 | 12.91% | 1.43% | 0.00% | 0.00% | 4.12% |
| Q4 2025 | 12.60% | 1.30% | 0.07% | 0.51% | 4.14% |
| Q3 2025 | 12.70% | 1.22% | 0.04% | 0.32% | 4.01% |
| Q2 2025 | 13.00% | 1.16% | 0.05% | 0.34% | 3.88% |
| Q1 2025 | 12.75% | 1.31% | 0.00% | 0.03% | 3.96% |
| Q4 2024 | 12.43% | 1.24% | 0.09% | 0.68% | 3.86% |
| Q3 2024 | 12.37% | 1.01% | 0.04% | 0.28% | 3.55% |
Swipe the table sideways to see every column.
Branch Network
View all 4 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 |
|---|---|---|---|
| Grand Bank (main office) | Tulsa , OK | 74114 | $432.8M |
| Bixby Branch | Tulsa , OK | 74133 | $74.5M |
| Turtle Creek Branch | Dallas , TX | 75219 | $65.1M |
| Houston Branch | Houston , TX | 77056 | $45.6M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| October 11, 1995 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 11, 1995 | Structure Change | Acquired Peoples State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.3% of deposits in OK, rank 47 of 192 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $1.8M approved, $890K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2016 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), 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 Grand Bank
What are Grand Bank's total assets?
As of the Q2 2026 filing, Grand Bank reported total assets of $712.8 million in its FFIEC call report.
Where is Grand Bank headquartered?
It is headquartered in Tulsa, OK, United States.
When was Grand Bank founded?
It was established in 1975, per the FDIC institution directory.
Is Grand Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #22065). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Grand Bank?
Grand Bank's primary federal regulator is the Federal Reserve.
What is Grand Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.56% in its Q2 2026 call report, above regulatory requirements.
How many branches does Grand Bank operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Grand Bank's Texas Ratio?
Its Texas Ratio is 0.00% 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.
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