BlastPoint's Banking Scorecard
Grand Bank
Community
Specialty: Commercial
OK
FDIC cert 22065
Tulsa, OK
1484
banks in Community tier nationally
45 in OK
View Community leaderboard (OK) →
Grand Bank has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 36% in Community
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 26% in Community
- - Non-Interest Income / Assets 0.57% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$653.8M
+4.6% YoY
-2.4% QoQ
|
-$737.7M |
$1.4B
+2.0% YoY
|
$1.2B
+6.0% YoY
|
$5.9B
+6.5% YoY
|
22% |
| Total Loans ? |
$530.2M
+4.8% YoY
+1.6% QoQ
|
-$445.2M |
$975.5M
+2.4% YoY
|
$796.2M
+5.4% YoY
|
$3.1B
+8.5% YoY
|
34% |
| Total Deposits ? |
$562.6M
+2.2% YoY
-4.6% QoQ
|
-$602.0M |
$1.2B
+1.7% YoY
|
$938.6M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
23% |
| Return on Assets ? |
1.28%
+18.2% YoY
+1.7% QoQ
|
+0.11% |
1.16%
+17.2% YoY
|
1.36%
+10.0% YoY
|
1.12%
+15.6% YoY
|
61% |
| Net Interest Margin ? |
4.12%
+10.8% YoY
+1.5% QoQ
|
+0.46% |
3.66%
+9.1% YoY
|
4.26%
+3.2% YoY
|
3.75%
+7.1% YoY
|
75% |
| Efficiency Ratio ? |
57.82%
-5.2% YoY
-0.1% QoQ
|
-4.81% |
62.63%
-5.3% YoY
|
63.62%
-4.9% YoY
|
65.09%
-5.1% YoY
|
64% |
| Delinquency Rate ? |
0.07%
-21.2% YoY
+58.3% QoQ
|
-0.56% |
0.63%
+18.3% YoY
|
0.95%
+12.2% YoY
|
0.66%
+20.3% YoY
|
Top 15% in tier |
| Loan-to-Deposit Ratio ? |
94.25%
+2.6% YoY
+6.5% QoQ
|
+11.18% |
83.06%
+0.3% YoY
|
75.78%
+1.6% YoY
|
78.04%
+0.7% YoY
|
76% |
| Non-Interest-Bearing Deposit Share ? |
31.87%
+21.0% YoY
+10.2% QoQ
|
+10.82% |
21.05%
-0.9% YoY
|
23.21%
-2.4% YoY
|
21.79%
-1.3% YoY
|
Top 13% in tier |
| Nonperforming Asset Ratio ? |
0.06%
-21.0% YoY
+64.9% QoQ
|
-0.44% |
0.50%
+20.3% YoY
|
0.71%
+9.7% YoY
|
0.48%
+20.8% YoY
|
Top 15% in tier |
| Tier 1 Capital Ratio ? |
12.60%
+1.4% YoY
-0.7% QoQ
|
+2.36% |
10.24%
-0.6% YoY
|
7.74%
-5.6% YoY
|
9.75%
-1.9% YoY
|
53% |
| Non-Interest Income / Assets ? |
0.17%
-2.9% YoY
+37.8% QoQ
|
-0.57% |
0.74%
-1.3% YoY
|
0.68%
-3.1% YoY
|
0.65%
+0.6% YoY
|
Bottom 9% in tier |
Signature Analysis
Strengths (1)
Credit Quality Leader
growth
#136 of 371 · Top 36% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.07%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
|
QoQ rank declining
Concerns (2)
Liquidity Strain
risk
#136 of 513 · Bottom 26% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
94.25%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
Non-Interest Income / Assets
metric
Bottom 9%
in Community
Why this stands out
Current:
0.17%
(Tier avg: 0.74%, National avg: 0.65%)
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
87
87th pctile
Non-Interest-Bearing Deposit Share
Current: 31.87% · Tier avg: 21.05%
85
85th pctile
Delinquency Rate
Current: 0.07% · Tier avg: 0.63%
85
85th pctile
Nonperforming Asset Ratio
Current: 0.06% · Tier avg: 0.50%
76
76th pctile
Loan-to-Deposit Ratio
Current: 94.25% · Tier avg: 83.06%
75
75th pctile
Net Interest Margin
Current: 4.12% · Tier avg: 3.66%
64
64th pctile
Efficiency Ratio
Current: 57.82% · Tier avg: 62.63%
61
61th pctile
Return on Assets
Current: 1.28% · Tier avg: 1.16%
53
53th pctile
Tier 1 Capital Ratio
Current: 12.60% · Tier avg: 10.24%
34
34th pctile
Total Loans
Current: $530.2M · Tier avg: $975.5M
23
23th pctile
Total Deposits
Current: $562.6M · Tier avg: $1.2B
22
22th pctile
Total Assets
Current: $653.8M · Tier avg: $1.4B
9
9th pctile
Non-Interest Income / Assets
Current: 0.17% · Tier avg: 0.74%
Top Weaknesses
9
9th pctile
Non-Interest Income / Assets
Current: 0.17% · Tier avg: 0.74%
22
22th pctile
Total Assets
Current: $653.8M · Tier avg: $1.4B
23
23th pctile
Total Deposits
Current: $562.6M · Tier avg: $1.2B
34
34th pctile
Total Loans
Current: $530.2M · Tier avg: $975.5M
53
53th pctile
Tier 1 Capital Ratio
Current: 12.60% · Tier avg: 10.24%
61
61th pctile
Return on Assets
Current: 1.28% · Tier avg: 1.16%
64
64th pctile
Efficiency Ratio
Current: 57.82% · Tier avg: 62.63%
75
75th pctile
Net Interest Margin
Current: 4.12% · Tier avg: 3.66%
76
76th pctile
Loan-to-Deposit Ratio
Current: 94.25% · Tier avg: 83.06%
85
85th pctile
Nonperforming Asset Ratio
Current: 0.06% · Tier avg: 0.50%
85
85th pctile
Delinquency Rate
Current: 0.07% · Tier avg: 0.63%
87
87th pctile
Non-Interest-Bearing Deposit Share
Current: 31.87% · Tier avg: 21.05%