BlastPoint's Banking Scorecard
Grand Savings Bank
Community
Specialty: Commercial
OK
FDIC cert 32084
Grove, OK
1484
banks in Community tier nationally
45 in OK
View Community leaderboard (OK) →
Grand Savings Bank shows strong momentum with 3 strengths and 5.6% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 26% in Community
- + Net Interest Margin 1.50% above tier
- + Efficiency Ratio 18.44% below tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.0B
+5.6% YoY
+3.6% QoQ
|
-$377.8M |
$1.4B
+2.0% YoY
|
$1.2B
+6.0% YoY
|
$5.9B
+6.5% YoY
|
51% |
| Total Loans ? |
$814.2M
+12.1% YoY
+4.8% QoQ
|
-$161.3M |
$975.5M
+2.4% YoY
|
$796.2M
+5.4% YoY
|
$3.1B
+8.5% YoY
|
58% |
| Total Deposits ? |
$890.7M
+4.7% YoY
+3.5% QoQ
|
-$273.9M |
$1.2B
+1.7% YoY
|
$938.6M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
53% |
| Return on Assets ? |
2.18%
+11.6% YoY
-3.7% QoQ
|
+1.01% |
1.16%
+17.2% YoY
|
1.36%
+10.0% YoY
|
1.12%
+15.6% YoY
|
Top 6% in tier |
| Net Interest Margin ? |
5.16%
+9.6% YoY
+0.5% QoQ
|
+1.50% |
3.66%
+9.1% YoY
|
4.26%
+3.2% YoY
|
3.75%
+7.1% YoY
|
Top 5% in tier |
| Efficiency Ratio ? |
44.19%
-5.6% YoY
-0.5% QoQ
|
-18.44% |
62.63%
-5.3% YoY
|
63.62%
-4.9% YoY
|
65.09%
-5.1% YoY
|
Top 8% in tier |
| Delinquency Rate ? |
0.67%
-42.0% YoY
-4.6% QoQ
|
+0.05% |
0.63%
+18.3% YoY
|
0.95%
+12.2% YoY
|
0.66%
+20.3% YoY
|
37% |
| Loan-to-Deposit Ratio ? |
91.41%
+7.1% YoY
+1.2% QoQ
|
+8.35% |
83.06%
+0.3% YoY
|
75.78%
+1.6% YoY
|
78.04%
+0.7% YoY
|
69% |
| Non-Interest-Bearing Deposit Share ? |
20.21%
-4.2% YoY
-12.8% QoQ
|
-0.83% |
21.05%
-0.9% YoY
|
23.21%
-2.4% YoY
|
21.79%
-1.3% YoY
|
51% |
| Nonperforming Asset Ratio ? |
0.54%
-41.4% YoY
-8.5% QoQ
|
+0.04% |
0.50%
+20.3% YoY
|
0.71%
+9.7% YoY
|
0.48%
+20.8% YoY
|
36% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
7.74%
-5.6% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.60%
-6.9% YoY
+26.4% QoQ
|
-0.13% |
0.74%
-1.3% YoY
|
0.68%
-3.1% YoY
|
0.65%
+0.6% YoY
|
61% |
Signature Analysis
Strengths (3)
Profitability Leader
growth
#97 of 371 · Top 26% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
2.18%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank declining
Net Interest Margin
metric
Top 5%
in Community
Why this stands out
Current:
5.16%
(Tier avg: 3.66%, National avg: 3.75%)
Efficiency Ratio
metric
Top 8%
in Community
Why this stands out
Current:
44.19%
(Tier avg: 62.63%, National avg: 65.09%)
Concerns (0)
No concerns identified
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
95
95th pctile
Net Interest Margin
Current: 5.16% · Tier avg: 3.66%
94
94th pctile
Return on Assets
Current: 2.18% · Tier avg: 1.16%
92
92th pctile
Efficiency Ratio
Current: 44.19% · Tier avg: 62.63%
69
69th pctile
Loan-to-Deposit Ratio
Current: 91.41% · Tier avg: 83.06%
61
61th pctile
Non-Interest Income / Assets
Current: 0.60% · Tier avg: 0.74%
58
58th pctile
Total Loans
Current: $814.2M · Tier avg: $975.5M
53
53th pctile
Total Deposits
Current: $890.7M · Tier avg: $1.2B
51
51th pctile
Non-Interest-Bearing Deposit Share
Current: 20.21% · Tier avg: 21.05%
51
51th pctile
Total Assets
Current: $1.0B · Tier avg: $1.4B
37
37th pctile
Delinquency Rate
Current: 0.67% · Tier avg: 0.63%
36
36th pctile
Nonperforming Asset Ratio
Current: 0.54% · Tier avg: 0.50%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
Top Weaknesses
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
36
36th pctile
Nonperforming Asset Ratio
Current: 0.54% · Tier avg: 0.50%
37
37th pctile
Delinquency Rate
Current: 0.67% · Tier avg: 0.63%
51
51th pctile
Total Assets
Current: $1.0B · Tier avg: $1.4B
51
51th pctile
Non-Interest-Bearing Deposit Share
Current: 20.21% · Tier avg: 21.05%
53
53th pctile
Total Deposits
Current: $890.7M · Tier avg: $1.2B
58
58th pctile
Total Loans
Current: $814.2M · Tier avg: $975.5M
61
61th pctile
Non-Interest Income / Assets
Current: 0.60% · Tier avg: 0.74%
69
69th pctile
Loan-to-Deposit Ratio
Current: 91.41% · Tier avg: 83.06%
92
92th pctile
Efficiency Ratio
Current: 44.19% · Tier avg: 62.63%
94
94th pctile
Return on Assets
Current: 2.18% · Tier avg: 1.16%
95
95th pctile
Net Interest Margin
Current: 5.16% · Tier avg: 3.66%