Grand Bank for Savings, F.S.B.
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Data as of · sourced from FFIEC call reports. How we update
Grand Bank for Savings, F.S.B. is an FDIC-insured savings institution headquartered in Hattiesburg, MS, established in 1968 (FDIC certificate 31864), and it is supervised by the OCC. At Q2 2026 it reported total assets of $280.4M, down 2.8% from Q2 2025, the 45th largest of 57 banks headquartered in Mississippi. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.98% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Savings institution
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 31864
- Headquarters
- Hattiesburg, MS
- Established
- 1968
- Total assets, Q2 2026
- $280.4M
- Assets vs Q2 2025
- -2.8%
- Tier 1 leverage ratio, Q2 2026
- 10.98%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 265371066
- Latest call report
- Q2 2026, FFIEC 051 · Grand Bank for Savings, F.S.B. call report
- Holding company
- GBS FINANCIAL, INC.
- Asset rank in state
- 45th of 57 in Mississippi
Grand Bank for Savings, F.S.B. spends more to run itself than most banks of its size. Its balance sheet stood at $280 million at June 30, 2026, down 2.8% from a year earlier; it is based in Hattiesburg, Mississippi. It spends about 89 cents to bring in each dollar of revenue, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 61 cents). It also pays an average of 3.50% on its deposits and borrowings, about double the median of 1.80% for banks its size.
Net income for the quarter slipped 16% from a year earlier, to $327,000. Over the same year, loans grew 6.0% and deposits shrank 3.3%. Profitability lags: it earns about $0.47 a year on every $100 of assets, about a third the median of $1.28 for banks its size.
As of June 30, 2026, Grand Bank for Savings, F.S.B. reported a return on assets of 0.47%, a nonperforming-loan ratio of 0.78% and a Texas ratio of 7.14%. The figures come from its call report filed with the FFIEC.
Grand Bank for Savings, F.S.B. ranks as the 45th largest of the 57 banks based in Mississippi, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 1.5% to $280.4M, loans fell 1.0% and deposits rose 1.3%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 98.5% of total loans, ahead of construction and land development loans at 1.4%. The FDIC Summary of Deposits lists a single office for it, in Hattiesburg, MS. Judged on its Q2 2026 call report, Grand Bank for Savings, F.S.B. meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 204 Westover Dr, Hattiesburg, MS 39402
- County
- Lamar
- Metro Area
- Hattiesburg, MS
- Charter
- Federal savings bank, federal charter, OCC-supervised (pre-2011 OTS)
- Primary Regulator
- OCC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- —
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1968
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 56
- Domestic deposits
- $246.9M
- Allowance for credit losses
- $1.5M
- Net charge-offs (YTD)
- -$5K
- Average total assets
- $276.9M
- Average total loans
- $205.9M
- Average interest-bearing deposits
- $238.9M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 31864
- Fed RSSD
- 68671
- SEC CIK
- 775314 → filed by GBS FINANCIAL, INC.
- Website
- www.grand.bank →
- Parent Holding Company
- GBS FINANCIAL, INC. (RSSD 6050100)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, Grand Bank for Savings, F.S.B. reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Grand Bank for Savings, F.S.B.'s total assets moved between a low of $133.7M (Q3 2023) and a high of $288.5M (Q2 2025) from Q3 2023 to Q2 2026, and it earned a profit in 7 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$280.4M total assets against $288.5M; $250.0M total liabilities against $259.3M.
$203.1M net loans and leases against $191.6M; $246.9M total deposits against $255.3M.
$0 securities against $0; $59.0M cash and balances due against $83.0M.
$4.9M total interest income against $5.2M; $2.1M total interest expense against $2.6M.
$2.8M net interest income against $2.7M.
$157K total noninterest income against $95K; $2.6M total noninterest expense against $2.4M.
$0 provision for credit losses against $0.
$327K net income against $388K.
0.47% return on assets against 0.56%; 4.31% net interest margin against 4.07%.
10.98% tier 1 leverage ratio against 10.48%.
Inside the full Grand Bank for Savings, F.S.B. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeGrand Bank for Savings, F.S.B. rankings
Its closest position to the top of a national ranking is 932 of 3,640, for Texas Ratio; its furthest is 3,460 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -0.32% (Q3 2024) to 0.62% (Q3 2025) and its net interest margin ran from 3.86% (Q3 2024) to 4.31% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.98% | 0.47% | 0.78% | 7.14% | 4.31% |
| Q1 2026 | 10.90% | 0.30% | 0.62% | 6.38% | 4.17% |
| Q4 2025 | 10.73% | 0.40% | 0.73% | 6.63% | 4.03% |
| Q3 2025 | 10.53% | 0.62% | 0.52% | 5.40% | 4.01% |
| Q2 2025 | 10.48% | 0.56% | 0.62% | 6.16% | 4.07% |
| Q1 2025 | 8.24% | 0.35% | 0.34% | 5.88% | 3.91% |
| Q4 2024 | 8.49% | 0.13% | 0.93% | 10.74% | 3.96% |
| Q3 2024 | 9.21% | -0.32% | 0.60% | 8.41% | 3.86% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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 for Savings, Fsb | Hattiesburg , MS | 39402 | $246.9M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC (former OTS)); 1 against individuals associated with it
- September 30, 1991, OCC (former OTS): Supervisory Agreement: Grand Bank for Savings, FSB
- Period: Most recent institution action September 30, 1991. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.3% of deposits in MS, rank 51 of 80 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- 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 Grand Bank for Savings, F.S.B.
What are Grand Bank for Savings, F.S.B.'s total assets?
As of the Q2 2026 filing, Grand Bank for Savings, F.S.B. reported total assets of $280.4 million in its FFIEC call report.
Where is Grand Bank for Savings, F.S.B. headquartered?
It is headquartered in Hattiesburg, MS, United States.
When was Grand Bank for Savings, F.S.B. founded?
It was established in 1968, per the FDIC institution directory.
Is Grand Bank for Savings, F.S.B. FDIC-insured?
Yes. It is an FDIC-insured savings institution (FDIC Certificate #31864). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Grand Bank for Savings, F.S.B.?
Grand Bank for Savings, F.S.B.'s primary federal regulator is the OCC.
How many branches does Grand Bank for Savings, F.S.B. operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Grand Bank for Savings, F.S.B.'s Texas Ratio?
Its Texas Ratio is 7.14% 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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