Grand Savings Bank: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Grand Savings Bank is an FDIC-insured commercial bank. On its most recent Q2 2026 call report, Grand Savings reported $1.0B in total assets against $898M in deposits. Returns are notably above industry norms: 2.24% ROA, 19.26% ROE, and 5.05% NIM. Under the simplified Community Bank Leverage Ratio framework, leverage of 11.97% exceeds the CBLR threshold. Asset quality is solid, 0.64% nonperforming loans and a 4.35% Texas Ratio. Its footprint covers 15 branches concentrated in Oklahoma.
As of June 30, 2026, Grand Savings Bank reported a Tier 1 leverage ratio of 11.97%, a return on assets of 2.24%, a nonperforming-loan ratio of 0.64%, a Texas ratio of 4.35%, per financial data filed with the FFIEC.
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)
- Offices
- 15 domestic
- Employees (FTE)
- 193
- Domestic deposits
- $897.8M
- Allowance for credit losses
- $10.2M
- Net charge-offs (YTD)
- -$11K
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 32084
- Fed RSSD
- 732178
- Website
- www.grandsavingsbank.com →
- Parent Holding Company
- GRAND BANCORP, INC. (RSSD 4521334)
Profitability
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Grand Savings Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Grand Savings 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
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings. A community bank leverage ratio filer reports no CET1 ratio, so the first ratio column is the Tier 1 leverage ratio.
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.97% | 2.24% | 0.64% | 4.35% | 5.05% |
| Q1 2026 | 11.62% | 2.16% | 0.62% | 4.44% | 5.11% |
| Q4 2025 | 11.90% | 1.97% | 0.68% | 4.48% | 5.35% |
| Q3 2025 | 11.66% | 2.45% | 0.72% | 4.97% | 5.47% |
| Q2 2025 | 11.82% | 2.30% | 1.08% | 7.68% | 5.20% |
| Q1 2025 | 11.22% | 2.08% | 1.19% | 8.29% | 4.92% |
| Q4 2024 | 11.16% | 2.04% | 1.20% | 8.42% | 4.87% |
| Q3 2024 | 10.74% | 1.91% | 1.47% | 10.46% | 4.73% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 15 branches →
| 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
What the public regulatory sources show for Grand Savings Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- 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 194 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.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
Add this badge to your website
Free to use. The badge always shows Grand Savings Bank’s most recent filed regulatory figures. It updates automatically each quarter, so it never goes stale.
Similar banks
Compare Grand Savings Bank with peers
Side-by-side comparison of capital, profitability, asset quality, and balance sheet. Pick a peer to view the full head-to-head.
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. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Grand Savings Bank headquartered?
Grand Savings Bank is headquartered in Grove, OK, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Grand Savings Bank founded?
Grand Savings Bank was established in 1981, per the FDIC institution directory.
Is Grand Savings Bank FDIC-insured?
Yes. Grand Savings Bank 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does Grand Savings Bank operate?
Grand Savings Bank 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?
Grand Savings Bank's Texas Ratio is 4.35% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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.
Go deeper on Grand Savings Bank.
Unlock the full terminal: 26 years of quarterly trends, peer benchmarking, watch flags, and Excel tearsheets for this bank and every other US institution.
Unlock Grand Savings Bank, freeFree account