Grand Bank for Savings, F.S.B.: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 1.97 percentage points lower than in Q1 2026, at 82.88%. Grand Bank for Savings, F.S.B. ranks 16th of 57 Mississippi banks on loan-to-deposit ratio, in the upper half at 82.88% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio; Grand Bank for Savings, F.S.B. reported 82.88% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $204.6M |
| Net loans and leases | $203.1M |
| Loans held for sale | $0 |
| Loans to total assets | 72.98% |
| Loan-to-deposit ratio | 82.88% |
| Net loans to equity capital | 6.68% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 0.00% |
| Multifamily (5+ residential) | 0.08% |
| Commercial and industrial | 0.00% |
| Consumer | 0.02% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 9.70% |
| Construction concentration (Tier 1 capital + allowance) | 9.22% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 8.61% |
| Interest income on loans | $4.4M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $109.5M | $113.2M | 0.02% | 0.00% | 0.14% |
| Q4 2023 | $128.1M | $131.9M | 0.01% | 0.00% | 0.11% |
| Q1 2024 | $130.5M | $162.9M | 0.01% | 0.00% | 0.10% |
| Q2 2024 | $148.7M | $183.5M | 0.01% | 0.00% | 0.09% |
| Q3 2024 | $178.0M | $216.7M | 0.01% | 0.00% | 0.24% |
| Q4 2024 | $184.4M | $228.4M | 0.01% | 0.00% | 0.08% |
| Q1 2025 | $188.7M | $241.2M | 0.01% | 0.00% | 0.06% |
| Q2 2025 | $193.0M | $255.3M | 0.01% | 0.00% | 0.02% |
| Q3 2025 | $190.5M | $247.4M | 0.01% | 0.00% | 0.02% |
| Q4 2025 | $190.5M | $244.7M | 0.01% | 0.00% | 0.02% |
| Q1 2026 | $206.7M | $243.6M | 0.00% | 0.00% | 0.02% |
| Q2 2026 | $204.6M | $246.9M | 0.00% | 0.00% | 0.02% |
Grand Bank for Savings, F.S.B. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Grand Bank for Savings, F.S.B., freeSource: Call Report Schedule RC-C, 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 for Savings, F.S.B. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 31864) · FFIEC NIC profile (RSSD 68671)