Grand Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Loan-to-deposit ratio dropped 3.18 percentage points in Q2 2026, from 94.36% to 91.18%. It was the largest change from Q1 2026 among the key lines here. Within Oklahoma, Grand Bank is 74th of 169 on return on assets, 1.54% as of Q2 2026, above the middle of the field. Grand Bank reported 1.54% on return on assets for Q2 2026, 0.29 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.56% |
| Tier 1 risk-based capital ratio | 12.56% |
| Total risk-based capital ratio | 13.81% |
| Tier 1 leverage ratio | 10.33% |
| Equity capital to assets | 9.28% |
| Tangible equity to tangible assets | 9.28% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 1.59% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.54% |
| Return on equity | 16.60% |
| Net interest margin | 4.34% |
| Efficiency ratio | 51.66% |
| Yield on earning assets | 6.00% |
| Cost of funds | 1.79% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 91.18% |
| Core deposits to total deposits | 87.07% |
| Brokered deposits to total deposits | 7.86% |
| Deposits to assets | 86.69% |
| Securities to assets | 10.70% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 12.35% | 12.35% | 13.60% | 10.36% | 1.32% |
| Q4 2023 | 12.57% | 12.57% | 13.83% | 10.41% | 1.08% |
| Q1 2024 | 12.98% | 12.98% | 14.23% | 10.52% | 0.95% |
| Q2 2024 | 12.47% | 12.47% | 13.73% | 10.49% | 1.04% |
| Q3 2024 | 12.37% | 12.37% | 13.63% | 10.23% | 1.01% |
| Q4 2024 | 12.43% | 12.43% | 13.69% | 10.20% | 1.24% |
| Q1 2025 | 12.75% | 12.75% | 14.00% | 10.27% | 1.31% |
| Q2 2025 | 13.00% | 13.00% | 14.26% | 10.40% | 1.16% |
| Q3 2025 | 12.70% | 12.70% | 13.95% | 10.27% | 1.22% |
| Q4 2025 | 12.60% | 12.60% | 13.86% | 10.42% | 1.30% |
| Q1 2026 | 12.91% | 12.91% | 14.17% | 10.81% | 1.43% |
| Q2 2026 | 12.56% | 12.56% | 13.81% | 10.33% | 1.54% |
Grand Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Grand Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Grand Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22065) · FFIEC NIC profile (RSSD 76854)