Grant County 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.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 599.57 percentage points higher than in Q1 2026, at 2738.46%. Grant County Bank has the 10th lowest return on assets of the 169 banks headquartered in Oklahoma, at 0.01% as of Q2 2026. Against a median of 0.98% for banks in the < $100M asset tier, Grant County Bank reported 0.01% on return on assets in Q2 2026, 0.97 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 15.59% |
| Equity capital to assets | 15.28% |
| Tangible equity to tangible assets | 15.28% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.12% |
| Non-performing assets ratio | 0.02% |
| Net charge-off ratio | 1.05% |
| Texas ratio | 0.14% |
| Allowance for credit losses to loans | 3.34% |
| Reserve coverage of non-performing loans | 2738.46% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.01% |
| Return on equity | 0.09% |
| Net interest margin | 2.13% |
| Efficiency ratio | 98.56% |
| Yield on earning assets | 4.00% |
| Cost of funds | 2.21% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 21.65% |
| Core deposits to total deposits | 74.15% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 84.22% |
| Securities to assets | 44.81% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 15.57% | 0.22% | 2.37% | 7.17% | 0.61% |
| Q4 2023 | 15.25% | -0.24% | 2.52% | 6.71% | -0.14% |
| Q1 2024 | 15.30% | 0.38% | 2.46% | 6.73% | -0.32% |
| Q2 2024 | 16.00% | 0.43% | 2.51% | 6.62% | 0.12% |
| Q3 2024 | 16.20% | 0.01% | 2.38% | 6.80% | 0.00% |
| Q4 2024 | 15.47% | -0.09% | 2.21% | 9.44% | 4.48% |
| Q1 2025 | 15.35% | 0.26% | 2.25% | 0.16% | 0.93% |
| Q2 2025 | 16.27% | -0.10% | 1.83% | 0.16% | 0.00% |
| Q3 2025 | 16.64% | 0.00% | 2.15% | 0.15% | 0.00% |
| Q4 2025 | 16.42% | -0.25% | 2.02% | 0.12% | 0.11% |
| Q1 2026 | 15.57% | -0.07% | 1.98% | 0.16% | 0.07% |
| Q2 2026 | 15.59% | 0.01% | 2.13% | 0.12% | 1.05% |
Grant County Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Grant County 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 Grant County Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15778) · FFIEC NIC profile (RSSD 361354)