| Metric | Bank of Grand Lake | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.9% | +4.4% | -3.5 pts |
| Deposit growth (YoY) | -1.1% | +4.0% | -5.0 pts |
| Loan growth (YoY) | +9.0% | +5.6% | +3.4 pts |
| ROA | 1.12% | 1.24% | -0.1 pts |
| ROE | 10.7% | 11.9% | -1.2 pts |
ROA ranks in the 43rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $249.1M | $218.8M | $155.5M | $24.7M | $1.4M | 1.12% | 3.39% | 0.60% |
| Q1 2026 | $239.6M | $213.1M | $151.0M | $25.9M | $736K | 1.24% | 3.42% | 0.12% |
| Q4 2025 | $235.5M | $204.5M | $147.7M | $25.5M | $6.0M | 2.45% | 3.47% | 0.12% |
| Q3 2025 | $240.6M | $213.8M | $145.0M | $26.1M | $5.1M | 2.79% | 3.43% | 0.10% |
| Q2 2025 | $247.0M | $221.2M | $142.7M | $25.1M | $4.1M | 3.33% | 3.41% | 0.04% |
| Q1 2025 | $252.9M | $230.7M | $146.2M | $21.8M | $825K | 1.34% | 3.41% | 0.00% |
| Q4 2024 | $239.9M | $218.3M | $148.2M | $21.2M | $3.1M | 1.27% | 3.33% | 0.00% |
| Q3 2024 | $246.8M | $225.3M | $147.1M | $21.0M | $2.3M | 1.26% | 3.30% | 0.00% |
Loan mix (Q2 2026): real estate $124.9M · commercial $4.0M · consumer $5.3M · securities $64.7M
| Ratio | Bank of Grand Lake | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.12% | 1.24% | 43rd | |
Return on equity Annualized net income ÷ equity or net worth | 10.7% | 11.9% | 42nd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.39% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.0% | 62.9% | 62nd |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Bank of Grand Lake | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Bank of Grand Lake | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Bank of Grand Lake | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Bank of Grand Lake | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Bank of Grand Lake | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
2 branches in 2 counties across 1 state (+0 vs 2025) · $218.8M branch deposits. Biggest market: Delaware, OK, ranked 2nd with 21.8% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Delaware, OK | 1 | $190.5M | 21.75% | 2nd |
| Mayes, OK | 1 | $28.3M | 2.40% | 13th |
Oklahoma: 116th with 0.13% ·
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2
Technology spend down 43% in 2025. Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).