BlastPoint's Banking Scorecard
Grant County Bank
Micro
Specialty: Agricultural
OK
FDIC cert 15778
Designations: ✓ Community bank
Medford, OK
2498
banks in Micro tier nationally
121 in OK
View Micro leaderboard (OK) →
Grant County Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 54.24% below tier
Key Concerns
Areas that may need attention
- - Return on Assets 1.10% below tier
- - Net Interest Margin 1.82% below tier
- - Efficiency Ratio 33.07% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$62.8M
+0.9% YoY
+15.4% QoQ
|
-$154.7M |
$217.5M
+2.3% YoY
|
$1.2B
+6.0% YoY
|
$5.9B
+6.5% YoY
|
Bottom 11% in tier |
| Total Loans ? |
$10.9M
-34.1% YoY
+2.4% QoQ
|
-$128.3M |
$139.2M
+2.8% YoY
|
$796.2M
+5.4% YoY
|
$3.1B
+8.5% YoY
|
Bottom 3% in tier |
| Total Deposits ? |
$53.6M
+0.3% YoY
+18.5% QoQ
|
-$130.1M |
$183.7M
+1.8% YoY
|
$938.6M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
Bottom 12% in tier |
| Return on Assets ? |
-0.02%
-109.3% YoY
-129.4% QoQ
|
-1.10% |
1.08%
+14.7% YoY
|
1.36%
+10.0% YoY
|
1.12%
+15.6% YoY
|
Bottom 6% in tier |
| Net Interest Margin ? |
2.03%
-16.1% YoY
-2.5% QoQ
|
-1.82% |
3.85%
+6.6% YoY
|
4.26%
+3.2% YoY
|
3.75%
+7.1% YoY
|
Bottom 2% in tier |
| Efficiency Ratio ? |
100.80%
+9.0% YoY
+3.5% QoQ
|
+33.07% |
67.73%
-4.8% YoY
|
63.62%
-4.9% YoY
|
65.09%
-5.1% YoY
|
Bottom 5% in tier |
| Delinquency Rate ? |
0.29%
-90.7% YoY
-15.5% QoQ
|
-0.35% |
0.64%
+24.4% YoY
|
0.95%
+12.2% YoY
|
0.66%
+20.3% YoY
|
55% |
| Loan-to-Deposit Ratio ? |
20.29%
-34.3% YoY
-13.6% QoQ
|
-54.24% |
74.53%
+0.5% YoY
|
75.78%
+1.6% YoY
|
78.04%
+0.7% YoY
|
Top 1% in tier |
| Non-Interest-Bearing Deposit Share ? |
12.18%
-40.5% YoY
-23.0% QoQ
|
-10.21% |
22.39%
-1.3% YoY
|
23.21%
-2.4% YoY
|
21.79%
-1.3% YoY
|
16% |
| Nonperforming Asset Ratio ? |
0.05%
-93.9% YoY
-25.0% QoQ
|
-0.40% |
0.45%
+25.1% YoY
|
0.71%
+9.7% YoY
|
0.48%
+20.8% YoY
|
74% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
7.74%
-5.6% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.14%
+98.2% YoY
+1.3% QoQ
|
-0.42% |
0.56%
+0.3% YoY
|
0.68%
-3.1% YoY
|
0.65%
+0.6% YoY
|
Bottom 14% in tier |
Signature Analysis
Strengths (1)
Loan-to-Deposit Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
20.29%
(Tier avg: 74.53%, National avg: 78.04%)
Concerns (3)
Return on Assets
metric
Bottom 6%
in Micro
Why this stands out
Current:
-0.02%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 2%
in Micro
Why this stands out
Current:
2.03%
(Tier avg: 3.85%, National avg: 3.75%)
Efficiency Ratio
metric
Bottom 5%
in Micro
Why this stands out
Current:
100.80%
(Tier avg: 67.73%, National avg: 65.09%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
99
99th pctile
Loan-to-Deposit Ratio
Current: 20.29% · Tier avg: 74.53%
74
74th pctile
Nonperforming Asset Ratio
Current: 0.05% · Tier avg: 0.45%
55
55th pctile
Delinquency Rate
Current: 0.29% · Tier avg: 0.64%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
16
16th pctile
Non-Interest-Bearing Deposit Share
Current: 12.18% · Tier avg: 22.39%
14
14th pctile
Non-Interest Income / Assets
Current: 0.14% · Tier avg: 0.56%
12
12th pctile
Total Deposits
Current: $53.6M · Tier avg: $183.7M
11
11th pctile
Total Assets
Current: $62.8M · Tier avg: $217.5M
6
6th pctile
Return on Assets
Current: -0.02% · Tier avg: 1.08%
5
5th pctile
Efficiency Ratio
Current: 100.80% · Tier avg: 67.73%
3
3th pctile
Total Loans
Current: $10.9M · Tier avg: $139.2M
2
2th pctile
Net Interest Margin
Current: 2.03% · Tier avg: 3.85%
Top Weaknesses
2
2th pctile
Net Interest Margin
Current: 2.03% · Tier avg: 3.85%
3
3th pctile
Total Loans
Current: $10.9M · Tier avg: $139.2M
5
5th pctile
Efficiency Ratio
Current: 100.80% · Tier avg: 67.73%
6
6th pctile
Return on Assets
Current: -0.02% · Tier avg: 1.08%
11
11th pctile
Total Assets
Current: $62.8M · Tier avg: $217.5M
12
12th pctile
Total Deposits
Current: $53.6M · Tier avg: $183.7M
14
14th pctile
Non-Interest Income / Assets
Current: 0.14% · Tier avg: 0.56%
16
16th pctile
Non-Interest-Bearing Deposit Share
Current: 12.18% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
55
55th pctile
Delinquency Rate
Current: 0.29% · Tier avg: 0.64%
74
74th pctile
Nonperforming Asset Ratio
Current: 0.05% · Tier avg: 0.45%
99
99th pctile
Loan-to-Deposit Ratio
Current: 20.29% · Tier avg: 74.53%