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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Grove, OK · FDIC certificate #57915
BANK OF GRAND LAKE is an FDIC-insured institution based in Grove, OK (FDIC certificate #57915). In its Q3 2026 Call Report it reported total assets of $242M, total deposits of $212M and net loans of $159M. Its primary federal regulator is FDIC.
Plain-language readout
BANK OF GRAND LAKE has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $249M in Q2 2026 and were lowest at $240M in Q1 2026.
Total deposits were highest at $219M in Q2 2026 and lowest at $212M in Q3 2026.
Over the whole period total assets rose 1.1%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $242M | $212M | $159M | 1.17% | 11.25% | 3.42% |
| Q2 2026 | $249M | $219M | $156M | 1.12% | 10.69% | 3.39% |
| Q1 2026 | $240M | $213M | $151M | 1.24% | 11.45% | 3.42% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $21.5M | $15.0M | +$6.5M | +43.5% |
| Federal funds sold | $0K | $0K | $0K | n/a |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $64.7M | $65.9M | -$1.2M | -1.8% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $155.5M | $151.0M | +$4.5M | +3.0% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $4.5M | $4.7M | -$262K | -5.5% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $2.9M | $2.9M | -$14K | -0.5% |
| Total assets | $249.1M | $239.6M | +$9.6M | +4.0% |
| Liabilities | ||||
| Total deposits | $218.8M | $213.1M | +$5.7M | +2.7% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $5.0M | $0K | +$5.0M | n/a |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $691K | $578K | +$113K | +19.6% |
| Total liabilities | $224.5M | $213.6M | +$10.8M | +5.1% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $3.0M | $3.0M | $0K | 0.0% |
| Surplus | $6.0M | $6.0M | $0K | 0.0% |
| Retained earnings | $15.7M | $16.9M | -$1.3M | -7.5% |
| Accumulated other comprehensive income | $0K | $0K | $0K | n/a |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $24.7M | $25.9M | -$1.3M | -4.9% |
| Credit and capital | ||||
| Gross nonperforming assets | $1.5M | $285K | +$1.2M | +428.1% |
| Adjusted nonperforming assets | $1.5M | $285K | +$1.2M | +428.1% |
| Tangible equity plus allowance | $25.6M | $26.9M | -$1.3M | -4.7% |
| Texas ratio (gross) | 5.88% | 1.06% | +4.82 pts | See points |
| Texas ratio (adjusted) | 5.88% | 1.06% | +4.82 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 5.88% | 1.06% | +4.82 pts | See points |
| Tier 1 capital to risk-weighted assets | 16.89% | 19.88% | -2.99 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 16.89% | 19.88% | -2.99 pts | See points |
| Tier 2 capital to risk-weighted assets | 0.65% | 0.73% | -0.08 pts | See points |
| Total risk-based capital to risk-weighted assets | 17.54% | 20.61% | -3.07 pts | See points |
| Tier 1 leverage (approximate) | 10.12% | 10.91% | -0.80 pts | See points |
| Construction and land loans to total capital | 18.20% | 20.11% | -1.91 pts | See points |
| Commercial real estate to total capital | 70.83% | 69.88% | +0.96 pts | See points |
| Dividend payout, year to date | 160.89% | 40.76% | +120.12 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -9.24% | -12.03% | +2.79 pts | See points |
| Liquidity | ||||
| Core deposits | $183.2M | $180.1M | +$3.1M | +1.7% |
| Non-core funding | $40.6M | $33.0M | +$7.6M | +23.1% |
| Loans to core deposits | 85.40% | 84.39% | +1.02 pts | See points |
| Loans to deposits | 71.53% | 71.33% | +0.19 pts | See points |
| Brokered deposits share of deposits | 2.62% | 2.81% | -0.19 pts | See points |
| Pledged securities share of securities | 85.86% | 89.38% | -3.52 pts | See points |
| Loans pledged, share of loans | 25.03% | 25.80% | -0.77 pts | See points |
| Volatile liabilities | $40.6M | $33.0M | +$7.6M | +23.1% |
| Earnings | ||||
| Earnings before provision, year to date | $1.4M | $736K | +$619K | +84.1% |
| Earnings before provision, single quarter | $619K | $736K | -$117K | -15.9% |
| Provision for credit losses, year to date | $0K | $0K | $0K | n/a |
| Yield and cost | ||||
| Yield on loans and leases | 6.30% | 6.23% | +0.07 pts | See points |
| Yield on interest-bearing balances due from banks | 3.69% | 3.47% | +0.22 pts | See points |
| Total interest income to average assets | 4.90% | 4.87% | +0.03 pts | See points |
| Cost of interest-bearing transaction accounts | 1.27% | 1.39% | -0.13 pts | See points |
| Cost of savings and money market deposits | 0.76% | 0.77% | -0.01 pts | See points |
| Cost of time deposits | 3.57% | 3.32% | +0.25 pts | See points |
| Total interest expense to average assets | 1.67% | 1.59% | +0.08 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $242M | $212M | $159M | 1.17% | 11.25% | 3.42% |
| 2026-06-30 | $249M | $219M | $156M | 1.12% | 10.69% | 3.39% |
| 2026-03-31 | $240M | $213M | $151M | 1.24% | 11.45% | 3.42% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| OK | $221.2M | 0.16% | 100 | Continuing · -0.01 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.