# GRAND BANK
TULSA, OK · FDIC certificate 22065 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. Composite score 0 (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 | $712.8M | |
| Deposits | $617.9M | |
| Loans and leases | $563.4M | |
| Total equity | $66.2M | |
| Loans / deposits | 89.74% (p70 of band) | 82.04% |
| Liquid assets / assets | 17.39% (p23 of band) | |
| Uninsured deposits / deposits | 40.02% (p88 of band) | 25.97% |
| Brokered deposits | 6.81% | |
| Wholesale funding | 10.32% (p78 of band) | |
| FHLB advances / assets | 3.51% | |
| Tier 1 leverage | 10.33% (p42 of band) | 10.81% |
| Unrealized securities loss / equity | -13.48% (p35 of band) | -8.10% |
| AOCI / equity | 0.36% (p90 of band) | |
| ROA (annualized) | 1.50% (p64 of band) | 1.28% |
| Net interest margin | 4.31% (p73 of band) | 3.91% |
| Efficiency ratio | 53.05% (p25 of band) | |
| Noncurrent loans | 0.00% (p4 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p29 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 84% | |
| Construction % of loans | 86.26% (p81 of band) | |
| Auto loans | $386,000 (0.07% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 5.1% | |
| Employees | 59 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | wholesale funding >15%, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 1 |  | wholesale funding >15%, construction >100% equity |
| 2011-09 | 1 |  |  |
| 2011-12 | 0 |  | reserve under noncurrent |
| 2012-03 | 2 | deposits shrinking, assets shrinking |  |
| 2012-06 | 2 | loans exceed deposits | assets shrinking |
| 2012-09 | 2 | uninsured deposits leaving | deposits shrinking |
| 2012-12 | 1 |  | loans exceed deposits |
| 2013-03 | 0 |  | uninsured deposits leaving |
| 2013-06 | 1 | loans exceed deposits |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 | capital falling | loans exceed deposits |
| 2014-03 | 0 |  | capital falling |
| 2014-06 | 0 |  |  |
| 2014-09 | 1 | capital falling |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 0 |  | capital falling |
| 2016-06 | 1 | wholesale funding >15% |  |
| 2016-09 | 0 |  | wholesale funding >15% |
| 2016-12 | 2 | brokered >10%, wholesale funding >15% |  |
| 2017-03 | 1 |  | wholesale funding >15% |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 4 | loans exceed deposits, wholesale funding >15%, capital falling |  |
| 2018-03 | 2 |  | loans exceed deposits, capital falling |
| 2018-06 | 0 |  | brokered >10%, wholesale funding >15% |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 2 | brokered >10%, wholesale funding >15% |  |
| 2020-09 | 2 | loans exceed deposits | brokered >10% |
| 2020-12 | 1 |  | wholesale funding >15% |
| 2021-03 | 1 | charge-offs p90 | loans exceed deposits |
| 2021-06 | 0 |  | charge-offs p90 |
| 2021-09 | 1 | capital falling |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 2 | AOCI drag >20% of equity |  |
| 2022-12 | 1 |  | capital falling |
| 2023-03 | 2 | brokered >10%, wholesale funding >15% | AOCI drag >20% of equity |
| 2023-06 | 1 |  | wholesale funding >15% |
| 2023-09 | 0 |  | brokered >10% |
| 2023-12 | 1 | brokered >10% |  |
| 2024-03 | 0 |  | brokered >10% |
| 2024-06 | 1 | brokered >10% |  |
| 2024-09 | 2 | capital falling |  |
| 2024-12 | 1 |  | brokered >10% |
| 2025-03 | 0 |  | capital falling |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

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

- 2013-09-10 [Grand Bank to construct new building in Bixby - The Oklahoman](https://news.google.com/rss/articles/CBMiugFBVV95cUxONC1aRkx0czNGUUxPZXN4Y1FUWVNFaTlLNVp2M1J1X3dPQVlHM1ZTUXRnZ0tRTzB3V0xfeXJySHFZZE9lQUdYeGJwQWVibzg2VThVak1LNFJVNnk3aVBOSU5zQ2l6NnpZd2t6cEJjZ3ItSlBJN1FadWxkNEFtNGZzbk56bmRMZzNqaE1SUDBGc1VIeXp0QTNWbDhJOThTWTZ4STE3NkJCWll4anZ3V3JRMW5CVkt4dVlxRFE?oc=5) · The Oklahoman
- 2013-09-11 [Grand Bank to Capitalize on Bixby and South Tulsa Growth With New Building - PR Newswire](https://news.google.com/rss/articles/CBMiygFBVV95cUxQbEhlWU9CS0FmOGtJcW4zaXVNQnBpN0QtT0lrWTA4UXVJVWFhUUxvX2tVSDU1UDV2c2JzaXhUYmhWRmtmTFVnemJsaEdTenE0N1Q2dFdsT3B6VTRfOFljckwwWmZPRFV5eVFuU2V0M2Q2WE1vMDFUWlBIcTdYc1ludzZXSDNtbVVmeE5HSTJ4Snd1UW9EZFhscVhYV2h3dHU1VDNnNzNOQ3ZITFlUbThCWEFBRXhmR0NGX3YwWjJsa0hmQm1GTGdiZlBn?oc=5) · PR Newswire
- 2024-12-31 [36 Black-Owned Banks and Credit Unions, Sorted by State - Business Insider](https://news.google.com/rss/articles/CBMikgFBVV95cUxQR2dKWjVxQ3RoR1BRQi0xZG5sYWowMmFaaF9xWUxVTkZiYlMtTGlTcGgtcGxCZldrMHd2VEQzOWFDNjFUMFVtM1lkNHFEc1gzYU1zMWdVTm1NNk1UWlpESUdBalRXZ3ZMSlNkX0x0ZHB4cVcybF9TN1R0b1NxZVh4TEhReEJ1SVg2dU5TY0tpTnhIdw?oc=5) · Business Insider
- 2013-11-16 [Grand Bank opens new branch in Hamilton - NJ.com](https://news.google.com/rss/articles/CBMihAFBVV95cUxPMTZPVTJFR1NXWFR2Z0ktblIwOHN3a1RFUkpXR1YzWlQtVlVDR0E0Q1pIWkwzdXBBbEFwcDJyaDdwMG1LYURxV2c4QjJBdm1SbEdKa2h3ZHFkblk2eVpzRGlHWC15SFYtNFN1U04xSHQxRlgwdlp4YzhkUHk3Tl9SYXFtUHU?oc=5) · NJ.com
- 2025-12-18 [Retired Grand Banks mayor Rex Matthews reflects on lifetime of public service, answers 20 questions - PNI Atlantic News](https://news.google.com/rss/articles/CBMifEFVX3lxTFB1bnhIU2l6dk16T0txcFFGQ3dwWUo0UFFmZ0IyZ05Md0lBYV9kUXRUMFBUcmhpQTVsQ3UtQUhyMl9wSVVweDVLdXlSb0FiWW5hcENnOE9LVDRuRW9ERUViTllhTHI5bzNQZmVaUTVwVHV0WGdWS25JV0RzbXY?oc=5) · PNI Atlantic News
- 2017-11-07 [Sisters who lost their husbands to suicide call for better mental health care - CBC](https://news.google.com/rss/articles/CBMikwFBVV95cUxPSXM5RXVSdTJkVDZaS09BWmZNTERpZ3lqOXVGUjdwdTMzZHBTQXU2V18ydm43VXM2Z0IwZHVJVkxjbktIN2JvTVFxZ0N3YmhraEt5V0JETDJ0bUJLVFowMFFULUQtR3dMbWYtQllrNC1kWVBZaHJTX3Y2ZE14Q251MVlGRnAzUEJFR01hRnpNLVgxZU0?oc=5) · CBC
- 2017-10-26 [Down Memory Lane: Grand Bank musician George Grandy enjoys milestone (Part I) - PNI Atlantic News](https://news.google.com/rss/articles/CBMivwFBVV95cUxPdHctcTlhZThvNmo5X1N3WXdNRGFiWEtuSFVMWmFTREp1U0hpOG5mQmhUTUFJQnJHdXZhU2dBZFRQTDdXNzJ2akk1cGdQZDVuWVFPWHlCbldKb0dOS19LS29uVWZKQXl6dDdyanp6WmFHeDk3VHJNM1BRSERxRlJyRFBSdnFCUmZMSEw2WW9nOGYxVzR4OVU1X0dpdDJieWw3QTNxQlZXZGJlNk5PaTROSWZjQzYzZFlCSS15MldJRQ?oc=5) · PNI Atlantic News
- 2019-04-02 [Sea cucumber expansion at Clearwater’s Grand Bank plant will mean more work - PNI Atlantic News](https://news.google.com/rss/articles/CBMixwFBVV95cUxOZk1wbXQtVWowUUxTV1dxeDVYMEZtaENXZHZEVUo1N0p5U0dmQk4xOV8xemlWMWZzSjgySUhmME9TNHl0M3hRelhodlFTZ0tza25EVXotRXZiYVFZLUZCUk9BSTh3SEVLLXBiT0I5cXAtdnUwaWRjYXpoNHZNOW0yMjlZcnUzbzNCelNzYmNPdXFLbTlUSlJvOHg2dy1aZFNyYzZhR1JGNVhXZFQwZk5NUG5VaTJ6VFdENGI5V3VJaWhzMlQ4VUxz?oc=5) · PNI Atlantic News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=22065 (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/49.json (key "22065", 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