Grand Savings Bank: 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 CRE concentration (Tier 1 capital + allowance): 8.02 percentage points lower than in Q1 2026, at 238.21%. Within Oklahoma, Grand Savings Bank is 35th of 169 on loan-to-deposit ratio, 93.85% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Grand Savings Bank sits 5.64 points higher, at 93.85% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $842.6M |
| Net loans and leases | $832.4M |
| Loans held for sale | $50K |
| Loans to total assets | 81.69% |
| Loan-to-deposit ratio | 93.85% |
| Net loans to equity capital | 6.80% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 27.87% |
| Multifamily (5+ residential) | 1.45% |
| Commercial and industrial | 5.89% |
| Consumer | 4.38% |
| Credit cards | 0.17% |
| Farm | 4.20% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 238.21% |
| Construction concentration (Tier 1 capital + allowance) | 132.86% |
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 | 7.48% |
| Interest income on loans | $15.4M |
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 | $689.7M | $804.7M | 25.79% | 7.84% | 6.88% |
| Q4 2023 | $699.6M | $818.5M | 26.78% | 8.15% | 6.72% |
| Q1 2024 | $729.1M | $815.5M | 27.12% | 8.26% | 6.29% |
| Q2 2024 | $714.3M | $818.0M | 28.02% | 8.33% | 6.18% |
| Q3 2024 | $719.3M | $839.3M | 28.74% | 8.33% | 5.99% |
| Q4 2024 | $733.6M | $850.6M | 28.73% | 7.81% | 5.63% |
| Q1 2025 | $743.9M | $828.4M | 28.17% | 8.18% | 5.47% |
| Q2 2025 | $774.4M | $831.7M | 28.02% | 7.83% | 5.09% |
| Q3 2025 | $785.2M | $860.4M | 27.88% | 7.37% | 5.00% |
| Q4 2025 | $823.7M | $890.7M | 28.59% | 7.21% | 4.68% |
| Q1 2026 | $851.8M | $900.3M | 28.92% | 6.64% | 4.37% |
| Q2 2026 | $842.6M | $897.8M | 27.87% | 5.89% | 4.38% |
Grand Savings Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Grand Savings Bank, 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 Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 32084) · FFIEC NIC profile (RSSD 732178)