# GRANT COUNTY BANK
MEDFORD, OK · FDIC certificate 15778 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 3 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $58.4M | |
| Deposits | $49.2M | |
| Loans and leases | $10.6M | |
| Total equity | $8.9M | |
| Loans / deposits | 20.93% (p6 of band) | 73.59% |
| Liquid assets / assets | 81.04% (p97 of band) | |
| Uninsured deposits / deposits | 28.69% (p78 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 15.59% (p80 of band) | 11.76% |
| Unrealized securities loss / equity | -3.09% (p65 of band) | -6.57% |
| AOCI / equity | 0.44% (p94 of band) | |
| ROA (annualized) | -0.03% (p6 of band) | 1.17% |
| Net interest margin | 2.03% (p2 of band) | 3.93% |
| Efficiency ratio | 101.45% (p95 of band) | |
| Noncurrent loans | 0.12% (p36 of band) | 0.36% |
| Net charge-offs (annualized) | 0.10% (p87 of band) | |
| Reserve coverage of noncurrent | 2738.46% | |
| Real estate % of loans | 32% | |
| Construction % of loans | 0.00% (p9 of band) | |
| Auto loans | $891,000 (8.37% of loans; DQ 1.68%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 6.7% | |
| Employees | 8 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **NIM <2.5%** (`earn_nim`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 1 | reserve under noncurrent |  |
| 2011-09 | 0 |  | reserve under noncurrent |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 2 | capital falling, reserve under noncurrent |  |
| 2012-12 | 1 |  | reserve under noncurrent |
| 2013-03 | 2 | NIM <2.5% |  |
| 2013-06 | 1 |  | capital falling |
| 2013-09 | 3 | noncurrent p90, reserve under noncurrent |  |
| 2013-12 | 5 | capital falling, assets shrinking |  |
| 2014-03 | 0 |  | NIM <2.5%, noncurrent p90, reserve under noncurrent, capital falling, assets shrinking |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 1 | noncurrent p90 |  |
| 2015-03 | 3 | NIM <2.5%, reserve under noncurrent |  |
| 2015-06 | 4 | deposits shrinking |  |
| 2015-09 | 5 | assets shrinking |  |
| 2015-12 | 6 | charge-offs p90 |  |
| 2016-03 | 6 |  |  |
| 2016-06 | 4 |  | assets shrinking, charge-offs p90 |
| 2016-09 | 5 | assets shrinking |  |
| 2016-12 | 5 |  |  |
| 2017-03 | 6 | uninsured deposits leaving |  |
| 2017-06 | 4 | charge-offs p90 | reserve under noncurrent, assets shrinking, uninsured deposits leaving |
| 2017-09 | 5 | reserve under noncurrent, assets shrinking | NIM <2.5% |
| 2017-12 | 4 |  | assets shrinking |
| 2018-03 | 3 | NIM <2.5% | deposits shrinking, charge-offs p90 |
| 2018-06 | 6 | charge-offs p90, deposits shrinking, assets shrinking, uninsured deposits leaving | NIM <2.5% |
| 2018-09 | 5 |  | uninsured deposits leaving |
| 2018-12 | 3 |  | noncurrent p90, reserve under noncurrent |
| 2019-03 | 4 | uninsured deposits leaving |  |
| 2019-06 | 6 | noncurrent p90, reserve under noncurrent |  |
| 2019-09 | 3 |  | assets shrinking, noncurrent p90, reserve under noncurrent |
| 2019-12 | 5 | noncurrent p90, reserve under noncurrent, assets shrinking | charge-offs p90 |
| 2020-03 | 3 | charge-offs p90 | deposits shrinking, uninsured deposits leaving, assets shrinking |
| 2020-06 | 4 | expense ratio p90, NIM <2.5% | charge-offs p90 |
| 2020-09 | 4 |  |  |
| 2020-12 | 2 |  | noncurrent p90, reserve under noncurrent |
| 2021-03 | 4 | capital falling, noncurrent p90 |  |
| 2021-06 | 3 |  | noncurrent p90 |
| 2021-09 | 5 | noncurrent p90, reserve under noncurrent |  |
| 2021-12 | 3 |  | noncurrent p90, reserve under noncurrent |
| 2022-03 | 3 | noncurrent p90 | expense ratio p90 |
| 2022-06 | 2 | AOCI drag >20% of equity | capital falling, noncurrent p90 |
| 2022-09 | 2 |  |  |
| 2022-12 | 4 | capital falling, charge-offs p90 |  |
| 2023-03 | 2 |  | NIM <2.5%, AOCI drag >20% of equity |
| 2023-06 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving | capital falling |
| 2023-09 | 3 |  | uninsured deposits leaving |
| 2023-12 | 3 | uninsured deposits leaving | charge-offs p90 |
| 2024-03 | 2 |  | uninsured deposits leaving |
| 2024-06 | 1 |  | assets shrinking |
| 2024-09 | 3 | assets shrinking, uninsured deposits leaving |  |
| 2024-12 | 4 | NIM <2.5%, noncurrent p90, charge-offs p90, reserve under noncurrent | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2025-03 | 3 | capital falling | noncurrent p90, reserve under noncurrent |
| 2025-06 | 2 | expense ratio p90 | charge-offs p90, capital falling |
| 2025-09 | 2 |  |  |
| 2025-12 | 3 | losing money |  |
| 2026-03 | 4 | capital falling |  |
| 2026-06 | 3 |  | capital falling |

## In the news (Google News, unfiltered, newest first; check the city)

- 2016-11-18 [9 more charges for Grant County bank worker accused of stealing more than $47,000 - TelegraphHerald.com](https://news.google.com/rss/articles/CBMinAFBVV95cUxPSzVpT3Z3aUJTRnZ3SFFNeDFaZ3RJOFlyS1h1UU9kdHBDU0VTRWdPNXFaU0FQWlFsVTNnSXR1eGNLWjdiOFFacEpKaFJhUWdXbzI2eDBNYlBTcWVxb3ZDRjhlYm5LX0NKSUg3Q0pSN3NhcGdVb1p2S2xrOVduLXk3ekF0Z29zWHRySlFNelBCY0JUZTNfdXNncDh2M1E?oc=5) · TelegraphHerald.com
- 2026-09-04 [Private-sector deposit insurance is reemerging. Can it work? - American Banker](https://news.google.com/rss/articles/CBMimgFBVV95cUxQV1E2dU0zbFJsLUdJWXVOblpoWnJkVFhXSVd4WmZjb2N3LXhGcFFudXZfRWM4X09tMnZHdVFuLTJZMVFkMzlFY1dONzgybUhoV1JvQjVpa29aOTluU1FyVFduRC0xQzlfMFViQUV5akhrdEtfcGstNmRMSHY3VTNUZTVGcUM4WFczWXlkOGQ0cW5kZ2Z4RFJsQ0Jn?oc=5) · American Banker
- 2022-12-06 [Donald Tribble Obituary December 6, 2022 - ladusauevans.com](https://news.google.com/rss/articles/CBMiZEFVX3lxTE56aWJlTWhkcXYwVUhOSE5xSDFWelNlOUE2SmliX3laelFwSkJXczRoTEI4SzF2WE9EQ2tKdHl5cWtrdDg4Qm82YWloamJVcl9GcUpaU29XNFFOQlFSYk4wa2ViLTY?oc=5) · ladusauevans.com
- 2024-08-05 [Grand Savings Grows Footprint in Northwest Arkansas - Arkansas Business](https://news.google.com/rss/articles/CBMimAFBVV95cUxNSFlNU2gtdnNsdy1uNFVRSkNURkFHM1NHRFFYY2d0RzMyMFAwRzRQcjVSZnhHZE5KN0RxUHcxaVJlbEo2ZTM3UmVkaFBXZXZlZzQ2dkMyWWJ5cUpWVS1JQWdlcWRKZGVYU0JieUEtUkpjd0VLOTAxdEs2UXoySGlsMGJ1ZXRsNFJSQVl6N0gzM2MyLVVteHZfVA?oc=5) · Arkansas Business
- 2025-04-30 [87-year-old Kansas man loses $30K in elaborate scam while trying to file taxes - kake.com](https://news.google.com/rss/articles/CBMi6AFBVV95cUxPS0pBMmNLNC1VRkFrek15d0hwYjJoWk15NTRzbXM5WGtMdVBtV2tiWHd3TnQ4UkpsTHZBcXQxRG5aeVRWOE83b1RPR2Rfa1hJVnZ5Vkg5X3hDYnlzZXFtSjU4alpsSmxUOXBDOFRJdjQyNW1KcVNUckZSbk04elJVSml5UUdjRDh1WlJ1bGhMcGd0S2xJNmJDWHJ3RlBZVG9qLXZtal9teEFuQndDQjNEQ1BhYkI3Yk56emQ5YjNtOElWUllueHZqa3YyUk13dXI3Z01VY3EyLVc3bkIwbnQ2OC1jX3JMeTVV?oc=5) · kake.com
- 2018-10-02 [Here are all of the banks that currently support Apple Pay - iMore](https://news.google.com/rss/articles/CBMid0FVX3lxTE9ZY3JkQUdrNTNjWmMzVFk2QXBlWExaRnI3bjVsQ28wVlFRWUc5TEVWMm5TWkZ6RmtKTTNZRUhKbExyS25yb2pnRTc5VklBeW13Mzk0aU9MWVNGbHpiMDJUM1pfOVFvdFhCdGpNLUJQVG9ybXYzNlc4?oc=5) · iMore

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=15778 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/34.json (key "15778", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide