Grand Savings Bank
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Data as of · sourced from FFIEC call reports. How we update
Grand Savings Bank is an FDIC-insured commercial bank headquartered in Grove, OK, established in 1981 (FDIC certificate 32084), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.03B, up 9.0% from Q2 2025, the 23rd largest of 169 banks headquartered in Oklahoma. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.97% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 32084
- Headquarters
- Grove, OK
- Established
- 1981
- Total assets, Q2 2026
- $1.03B
- Assets vs Q2 2025
- +9.0%
- Tier 1 leverage ratio, Q2 2026
- 11.97%
- Domestic offices
- 15 FDIC institution directory, current count
- Routing number
- 303187675
- Latest call report
- Q2 2026, FFIEC 051 · Grand Savings Bank call report
- Holding company
- GRAND BANCORP, INC.
- Asset rank in state
- 23rd of 169 in Oklahoma
Grand Savings Bank is one of the more profitable banks of its size. It reported $1.0 billion in assets at June 30, 2026, up 9.0% from a year earlier. It earns about $2.24 a year on every $100 of assets, higher than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median $1.29). It also keeps 5.05 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 banks its size (median 3.71 cents). Much of that comes from cost control: it spends about 45 cents to bring in each dollar of revenue.
Its $129 million non-owner-occupied commercial real estate book is improving, with 0.68% past due or on nonaccrual, down from 3.13% a year earlier. Problem loans roughly halved over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.63% of loans from 1.07%.
As of June 30, 2026, Grand Savings Bank reported a return on assets of 2.24%, a nonperforming-loan ratio of 0.63% and a Texas ratio of 4.24%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Grand Savings Bank is the 23rd largest of the 169 banks headquartered in Oklahoma. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 0.2% to $1.03B, loans fell 1.1% and deposits fell 0.3%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 32.7% of total loans, followed by construction and land development loans at 21.1%. The FDIC Summary of Deposits lists 15 offices for it, in 14 cities across 2 states; its Grove office books 23% of its branch deposits. On its Q2 2026 call report, Grand Savings Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 1022 S Main St, Grove, OK 74344
- County
- Delaware
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- April 10, 1981
- Former names
- Grand Federal Savings Bank (1993-2001)
- Domestic offices
- 15 FDIC institution directory, current count
- Employees (FTE)
- 193
- Domestic deposits
- $897.8M
- Allowance for credit losses
- $10.2M
- Net charge-offs (YTD)
- -$11K
- Average total assets
- $1.03B
- Average total loans
- $821.3M
- Average interest-bearing deposits
- $702.1M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 32084
- Fed RSSD
- 732178
- SEC CIK
- 1623329 → filed by GRAND BANCORP, INC.
- Website
- www.grandsavingsbank.com →
- Parent Holding Company
- GRAND BANCORP, INC. (RSSD 4521334)
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 Savings Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Grand Savings Bank's total assets moved between a low of $895.5M (Q3 2023) and a high of $1.03B (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
$1.03B total assets against $946.4M; $909.1M total liabilities against $836.4M.
$832.4M net loans and leases against $766.5M; $897.8M total deposits against $831.7M.
$87.3M securities against $83.9M; $81.2M cash and balances due against $67.7M.
$16.9M total interest income against $15.8M; $4.4M total interest expense against $4.2M.
$12.5M net interest income against $11.7M.
$1.7M total noninterest income against $1.7M; $6.4M total noninterest expense against $5.9M.
$216K provision for credit losses against $302K.
$5.8M net income against $5.4M.
2.24% return on assets against 2.30%; 5.05% net interest margin against 5.20%.
11.97% tier 1 leverage ratio against 11.82%.
Inside the full Grand Savings 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 Savings Bank rankings
Its closest position to the top of a national ranking is 290 of 3,611, for ROA; its furthest is 1,503 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.91% (Q3 2024) to 2.45% (Q3 2025) and its net interest margin ran from 4.73% (Q3 2024) to 5.47% (Q3 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.97% | 2.24% | 0.63% | 4.24% | 5.05% |
| Q1 2026 | 11.62% | 2.16% | 0.61% | 4.33% | 5.11% |
| Q4 2025 | 11.90% | 1.97% | 0.67% | 4.36% | 5.35% |
| Q3 2025 | 11.66% | 2.45% | 0.70% | 4.84% | 5.47% |
| Q2 2025 | 11.82% | 2.30% | 1.07% | 7.55% | 5.20% |
| Q1 2025 | 11.22% | 2.08% | 1.17% | 8.18% | 4.92% |
| Q4 2024 | 11.16% | 2.04% | 1.15% | 8.07% | 4.87% |
| Q3 2024 | 10.74% | 1.91% | 1.43% | 10.09% | 4.73% |
Swipe the table sideways to see every column.
Branch Network
View all 15 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 Savings Bank (main office) | Grove , OK | 74344 | $206.9M |
| Bentonville Branch | Bentonville , AR | 72712 | $142.3M |
| Jay Branch | Jay , OK | 74346 | $133.0M |
| Siloam Springs Branch | Siloam Springs , AR | 72761 | $101.6M |
| Gentry Branch | Gentry , AR | 72734 | $69.0M |
| Rogers-Pleasant Grove Branch | Rogers , AR | 72758 | $50.4M |
| Gravette Branch | Gravette , AR | 72736 | $48.3M |
| Fairland Branch | Fairland , OK | 74343 | $34.6M |
| Rogers Branch | Rogers , AR | 72756 | $33.1M |
| Fayetteville Branch | Fayetteville , AR | 72703 | $25.3M |
| Ft. Smith Branch | Fort Smith , AR | 72908 | $22.3M |
| Centerton Branch | Centerton , AR | 72719 | $16.7M |
| Grand Savings Bank Branch | Springdale , AR | 72764 | $7.4M |
| Farmington Branch | Farmington , AR | 72730 | $7.2M |
| Decatur Branch | Decatur , AR | 72722 | $0 |
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 |
|---|---|---|---|
| December 30, 2014 | Structure Change | Acquired Decatur State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 29, 2014 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
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.
- Enforcement actions
- 1 against the institution (OCC (former OTS)); 1 against individuals associated with it
- June 15, 2000, OCC (former OTS): Supervisory Agreement: Grand Federal Savings Bank
- Period: Most recent institution action June 15, 2000. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.3% of deposits in OK, rank 66 of 192 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 153 applications, 136 loans originated, $44.0M originated, across 4 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 4 loans, $5.8M approved, $1.4M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2021 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- 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 Savings Bank
What are Grand Savings Bank's total assets?
As of the Q2 2026 filing, Grand Savings Bank reported total assets of $1.03 billion in its FFIEC call report.
Where is Grand Savings Bank headquartered?
It is headquartered in Grove, OK, United States.
When was Grand Savings Bank founded?
It was established in 1981, per the FDIC institution directory.
Is Grand Savings Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #32084). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Grand Savings Bank?
Grand Savings Bank's primary federal regulator is the FDIC.
How many branches does Grand Savings Bank operate?
It operates 15 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Grand Savings Bank's Texas Ratio?
Its Texas Ratio is 4.24% 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.
What was Grand Savings Bank previously called?
The charter now named Grand Savings Bank has also operated as Grand Federal Savings Bank (1993-2001), per FDIC structure-change records.
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