# GRAND BANK FOR SAVINGS FSB
HATTIESBURG, MS · FDIC certificate 31864 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (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 | $280.4M | |
| Deposits | $246.9M | |
| Loans and leases | $204.6M | |
| Total equity | $30.4M | |
| Loans / deposits | 82.28% (p66 of band) | 73.59% |
| Liquid assets / assets | 21.06% (p25 of band) | |
| Uninsured deposits / deposits | 12.45% (p22 of band) | 19.81% |
| Brokered deposits | 1.35% | |
| Wholesale funding | 1.35% (p56 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.98% (p39 of band) | 11.76% |
| Unrealized securities loss / equity | 0.00% (p95 of band) | -6.57% |
| AOCI / equity | 0.00% (p78 of band) | |
| ROA (annualized) | 0.39% (p14 of band) | 1.17% |
| Net interest margin | 4.24% (p65 of band) | 3.93% |
| Efficiency ratio | 89.02% (p89 of band) | |
| Noncurrent loans | 0.78% (p65 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p16 of band) | |
| Reserve coverage of noncurrent | 93.96% | |
| Real estate % of loans | 100% | |
| Construction % of loans | 9.67% (p37 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -3.3% | |
| Employees | 56 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 5 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2012-06 | 4 |  | construction >100% equity |
| 2012-09 | 3 |  | uninsured deposits leaving |
| 2012-12 | 5 | noncurrent p90, uninsured deposits leaving |  |
| 2013-03 | 3 | capital falling | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2013-06 | 2 |  | capital falling |
| 2013-09 | 3 | deposits shrinking |  |
| 2013-12 | 4 | assets shrinking |  |
| 2014-03 | 5 | uninsured deposits leaving |  |
| 2014-06 | 5 |  |  |
| 2014-09 | 4 |  | noncurrent p90 |
| 2014-12 | 4 |  |  |
| 2015-03 | 4 |  |  |
| 2015-06 | 2 | charge-offs p90 | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2015-09 | 3 | capital falling |  |
| 2015-12 | 3 | noncurrent p90 | charge-offs p90 |
| 2016-03 | 3 | charge-offs p90, deposits shrinking | capital falling, noncurrent p90 |
| 2016-06 | 4 | assets shrinking |  |
| 2016-09 | 4 | uninsured deposits leaving | charge-offs p90 |
| 2016-12 | 6 | brokered >10%, charge-offs p90 |  |
| 2017-03 | 5 |  | charge-offs p90 |
| 2017-06 | 4 |  | uninsured deposits leaving |
| 2017-09 | 3 | liquid assets <10% | deposits shrinking, assets shrinking |
| 2017-12 | 5 | deposits shrinking, assets shrinking |  |
| 2018-03 | 7 | wholesale funding >15%, capital falling |  |
| 2018-06 | 7 | loans exceed deposits, charge-offs p90 | deposits shrinking, assets shrinking |
| 2018-09 | 5 |  | liquid assets <10%, charge-offs p90 |
| 2018-12 | 7 | expense ratio p90, uninsured deposits leaving |  |
| 2019-03 | 4 |  | capital falling, expense ratio p90, uninsured deposits leaving |
| 2019-06 | 4 |  |  |
| 2019-09 | 3 |  | loans exceed deposits |
| 2019-12 | 4 | loans exceed deposits |  |
| 2020-03 | 3 |  | loans exceed deposits |
| 2020-06 | 4 | loans exceed deposits |  |
| 2020-09 | 4 |  |  |
| 2020-12 | 3 |  | loans exceed deposits |
| 2021-03 | 3 |  |  |
| 2021-06 | 3 |  |  |
| 2021-09 | 1 |  | brokered >10%, wholesale funding >15% |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 | charge-offs p90 | reserve under noncurrent |
| 2022-06 | 1 | capital falling | charge-offs p90 |
| 2022-09 | 2 | loans exceed deposits, reserve under noncurrent | capital falling |
| 2022-12 | 4 | brokered >10%, wholesale funding >15% |  |
| 2023-03 | 6 | losing money, expense ratio p90, uninsured deposits leaving | loans exceed deposits |
| 2023-06 | 4 |  | losing money, expense ratio p90 |
| 2023-09 | 3 |  | wholesale funding >15% |
| 2023-12 | 1 |  | brokered >10%, uninsured deposits leaving |
| 2024-03 | 4 | capital falling, losing money, expense ratio p90 |  |
| 2024-06 | 4 |  |  |
| 2024-09 | 5 | brokered >10%, wholesale funding >15% | reserve under noncurrent |
| 2024-12 | 4 | reserve under noncurrent | brokered >10%, wholesale funding >15% |
| 2025-03 | 1 |  | losing money, expense ratio p90, reserve under noncurrent |
| 2025-06 | 0 |  | capital falling |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 1 | reserve under noncurrent |  |

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

- 2026-07-28 [Continental Finance Company and Grand Bank for Savings, FSB Announce Affiliate Partnership to Launch the Grand.bank® Plus Mastercard® - PR Newswire](https://news.google.com/rss/articles/CBMikwJBVV95cUxQMHFMVVYtb1FsYlNHcEJhUEtnNjMyb0ZPeWQ2TUhGem11alViVURIV19kY2NYV3pDOTdBc2tnRGdLUUpqMFRCYUpkajREVmdrTGtIQXN2aVVYRklUQ3VwY1NSU25CVGI1Z0dIbktWQmU5VlctSjJjMXk5WmFtcG56b3l2cDh6dmJrQmRTWm5FMG82d2pTMUR6OUVRaV9JWlc4eTdxMnhmZ2IyV2hzZFZnQW9RMkptakhhMU80X3B2TE1tRjdmc0NnYUxpbGV3UjYyTjg5T2FzOHYzY2pKWV9LUHBqLVE3ZWdpQUdDLThRSDRVYUlvNUFvWlY1UnRKeHdWUlpUQWQtZjBkdy1vN2VCYVJsTQ?oc=5) · PR Newswire
- 2026-07-28 [Improvements Help Hattiesburg, Mississippi, Resident Restore Independence in Her Longtime Home - Business Wire](https://news.google.com/rss/articles/CBMi4wFBVV95cUxPMEczeHpneWx6RkIzSlYyMWZWMzg5d01LTlhRaEw5NHJtUWRRcVQ1QVFjeERVa3E1OEFrZDFBVV84b1BVOTBiZUp3ZGNkM0xqQnlsOG9DNUlNSEJwY193X1BmNjRQVFJ6WXhzbm5GTTY3cWlhd0pwMHVXU2pRT2N4WExiU1MtbnlwdDUxQmN4TFdIa3NjS1FrS1ZBcHEwMEp6eWFGMmtxYlkwU01ONE8yMy1MbzlxMGRiSWpaQm5kelo1aEREbUhJSzJMaHdOa3lEWTRNNzJDS2xJdVE1Zkd2N2hacw?oc=5) · Business Wire

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=31864 (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/56.json (key "31864", 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