BlastPoint's Banking Scorecard
Bank of Grand Lake
Micro
Specialty: Other
OK
FDIC cert 57915
Designations: ✓ Community bank
Grove, OK
2498
banks in Micro tier nationally
121 in OK
View Micro leaderboard (OK) →
Bank of Grand Lake demonstrates 3 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.37% above tier
- + Efficiency Ratio 21.84% below tier
- + Non-Interest Income / Assets 0.71% above 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 ? |
$235.5M
-1.8% YoY
-2.1% QoQ
|
+$18.1M |
$217.5M
+2.3% YoY
|
$1.2B
+6.0% YoY
|
$5.9B
+6.5% YoY
|
59% |
| Total Loans ? |
$147.7M
-0.4% YoY
+1.9% QoQ
|
+$8.5M |
$139.2M
+2.8% YoY
|
$796.2M
+5.4% YoY
|
$3.1B
+8.5% YoY
|
60% |
| Total Deposits ? |
$204.5M
-6.3% YoY
-4.3% QoQ
|
+$20.9M |
$183.7M
+1.8% YoY
|
$938.6M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
61% |
| Return on Assets ? |
2.45%
+92.3% YoY
-12.2% QoQ
|
+1.37% |
1.08%
+14.7% YoY
|
1.36%
+10.0% YoY
|
1.12%
+15.6% YoY
|
Top 4% in tier |
| Net Interest Margin ? |
3.47%
+4.2% YoY
+1.0% QoQ
|
-0.39% |
3.85%
+6.6% YoY
|
4.26%
+3.2% YoY
|
3.75%
+7.1% YoY
|
32% |
| Efficiency Ratio ? |
45.89%
-24.9% YoY
+9.2% QoQ
|
-21.84% |
67.73%
-4.8% YoY
|
63.62%
-4.9% YoY
|
65.09%
-5.1% YoY
|
Top 6% in tier |
| Delinquency Rate ? |
0.19%
+14.5% QoQ
|
-0.45% |
0.64%
+24.4% YoY
|
0.95%
+12.2% YoY
|
0.66%
+20.3% YoY
|
62% |
| Loan-to-Deposit Ratio ? |
72.21%
+6.4% YoY
+6.5% QoQ
|
-2.32% |
74.53%
+0.5% YoY
|
75.78%
+1.6% YoY
|
78.04%
+0.7% YoY
|
42% |
| Non-Interest-Bearing Deposit Share ? |
11.52%
+3.4% YoY
-7.3% QoQ
|
-10.87% |
22.39%
-1.3% YoY
|
23.21%
-2.4% YoY
|
21.79%
-1.3% YoY
|
Bottom 15% in tier |
| Nonperforming Asset Ratio ? |
0.12%
+19.1% QoQ
|
-0.33% |
0.45%
+25.1% YoY
|
0.71%
+9.7% YoY
|
0.48%
+20.8% YoY
|
65% |
| Tier 1 Capital Ratio ? |
19.76%
+22.8% YoY
-2.0% QoQ
|
+10.91% |
8.85%
-3.4% YoY
|
7.74%
-5.6% YoY
|
9.75%
-1.9% YoY
|
Top 14% in tier |
| Non-Interest Income / Assets ? |
1.27%
+594.0% YoY
+7.0% QoQ
|
+0.71% |
0.56%
+0.3% YoY
|
0.68%
-3.1% YoY
|
0.65%
+0.6% YoY
|
Top 5% in tier |
Signature Analysis
Strengths (3)
Return on Assets
metric
Top 4%
in Micro
Why this stands out
Current:
2.45%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Top 6%
in Micro
Why this stands out
Current:
45.89%
(Tier avg: 67.73%, National avg: 65.09%)
Non-Interest Income / Assets
metric
Top 5%
in Micro
Why this stands out
Current:
1.27%
(Tier avg: 0.56%, National avg: 0.65%)
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
96
96th pctile
Return on Assets
Current: 2.45% · Tier avg: 1.08%
95
95th pctile
Non-Interest Income / Assets
Current: 1.27% · Tier avg: 0.56%
94
94th pctile
Efficiency Ratio
Current: 45.89% · Tier avg: 67.73%
86
86th pctile
Tier 1 Capital Ratio
Current: 19.76% · Tier avg: 8.85%
65
65th pctile
Nonperforming Asset Ratio
Current: 0.12% · Tier avg: 0.45%
62
62th pctile
Delinquency Rate
Current: 0.19% · Tier avg: 0.64%
61
61th pctile
Total Deposits
Current: $204.5M · Tier avg: $183.7M
60
60th pctile
Total Loans
Current: $147.7M · Tier avg: $139.2M
59
59th pctile
Total Assets
Current: $235.5M · Tier avg: $217.5M
42
42th pctile
Loan-to-Deposit Ratio
Current: 72.21% · Tier avg: 74.53%
32
32th pctile
Net Interest Margin
Current: 3.47% · Tier avg: 3.85%
15
15th pctile
Non-Interest-Bearing Deposit Share
Current: 11.52% · Tier avg: 22.39%
Top Weaknesses
15
15th pctile
Non-Interest-Bearing Deposit Share
Current: 11.52% · Tier avg: 22.39%
32
32th pctile
Net Interest Margin
Current: 3.47% · Tier avg: 3.85%
42
42th pctile
Loan-to-Deposit Ratio
Current: 72.21% · Tier avg: 74.53%
59
59th pctile
Total Assets
Current: $235.5M · Tier avg: $217.5M
60
60th pctile
Total Loans
Current: $147.7M · Tier avg: $139.2M
61
61th pctile
Total Deposits
Current: $204.5M · Tier avg: $183.7M
62
62th pctile
Delinquency Rate
Current: 0.19% · Tier avg: 0.64%
65
65th pctile
Nonperforming Asset Ratio
Current: 0.12% · Tier avg: 0.45%
86
86th pctile
Tier 1 Capital Ratio
Current: 19.76% · Tier avg: 8.85%
94
94th pctile
Efficiency Ratio
Current: 45.89% · Tier avg: 67.73%
95
95th pctile
Non-Interest Income / Assets
Current: 1.27% · Tier avg: 0.56%
96
96th pctile
Return on Assets
Current: 2.45% · Tier avg: 1.08%