# GRAND SAVINGS BANK
GROVE, OK · FDIC certificate 32084 · asset band $1-10B · 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 | $1.03B | |
| Deposits | $897.8M | |
| Loans and leases | $842.6M | |
| Total equity | $122.4M | |
| Loans / deposits | 92.71% (p67 of band) | 87.10% |
| Liquid assets / assets | 16.33% (p29 of band) | |
| Uninsured deposits / deposits | 18.39% (p15 of band) | 30.76% |
| Brokered deposits | 0.19% | |
| Wholesale funding | 0.68% (p20 of band) | |
| FHLB advances / assets | 0.48% | |
| Tier 1 leverage | 11.97% (p76 of band) | 10.50% |
| Unrealized securities loss / equity | -1.35% (p85 of band) | -7.75% |
| AOCI / equity | -0.58% (p31 of band) | |
| ROA (annualized) | 2.19% (p93 of band) | 1.26% |
| Net interest margin | 5.06% (p95 of band) | 3.70% |
| Efficiency ratio | 45.13% (p13 of band) | |
| Noncurrent loans | 0.63% (p59 of band) | 0.51% |
| Net charge-offs (annualized) | 0.00% (p10 of band) | |
| Reserve coverage of noncurrent | 192.47% | |
| Real estate % of loans | 87% | |
| Construction % of loans | 144.97% (p97 of band) | |
| Auto loans | $21.1M (2.50% of loans; DQ 0.30%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 8.0% | |
| Employees | 193 | |

## Flags firing in the latest filing

- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 3 | loans exceed deposits, wholesale funding >15%, liquid assets <10% |  |
| 2011-09 | 2 | brokered >10% | loans exceed deposits, liquid assets <10% |
| 2011-12 | 1 |  | brokered >10% |
| 2012-03 | 1 | reserve under noncurrent | wholesale funding >15% |
| 2012-06 | 0 |  | reserve under noncurrent |
| 2012-09 | 0 |  |  |
| 2012-12 | 4 | NIM <2.5%, reserve under noncurrent, deposits shrinking, assets shrinking |  |
| 2013-03 | 1 |  | NIM <2.5%, deposits shrinking, assets shrinking |
| 2013-06 | 2 | NIM <2.5% |  |
| 2013-09 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving | NIM <2.5% |
| 2013-12 | 1 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2014-03 | 3 | capital falling, uninsured deposits leaving |  |
| 2014-06 | 1 |  | reserve under noncurrent, uninsured deposits leaving |
| 2014-09 | 0 |  | capital falling |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 1 | capital falling |  |
| 2015-09 | 0 |  | capital falling |
| 2015-12 | 0 |  |  |
| 2016-03 | 2 | reserve under noncurrent, construction >100% equity |  |
| 2016-06 | 1 |  | construction >100% equity |
| 2016-09 | 1 | construction >100% equity | reserve under noncurrent |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 2 | capital falling |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 1 |  | capital falling |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 2 | charge-offs p90 |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 |  | charge-offs p90 |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 2 | reserve under noncurrent |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 2 |  |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 1 |  | reserve under noncurrent |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 1 |  |  |

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

- 2022-06-14 [Grand Savings Bank opens 1st branch in Springdale - Talk Business & Politics](https://news.google.com/rss/articles/CBMiiwFBVV95cUxNbVRCRDZTV3RfeEY0MWhhdkNFY2hKSGhfTmpJRzBQeFp1NzNLdUU3OWswaXVGSUNRdFN6R0E1Q1pXNk40REdjZkV0eXFNZjlSQV9vOGRsMkpwQm9mcklma0FqRU13SlpoS283NDB2a0FhN2tXaGlEU2RLa0dYdXNYdTdDUDU3R3JqMkFr?oc=5) · Talk Business &amp; Politics
- 2024-08-05 [Grand Savings Grows Footprint in Northwest Arkansas - Arkansas Business](https://news.google.com/rss/articles/CBMimAFBVV95cUxNSFlNU2gtdnNsdy1uNFVRSkNURkFHM1NHRFFYY2d0RzMyMFAwRzRQcjVSZnhHZE5KN0RxUHcxaVJlbEo2ZTM3UmVkaFBXZXZlZzQ2dkMyWWJ5cUpWVS1JQWdlcWRKZGVYU0JieUEtUkpjd0VLOTAxdEs2UXoySGlsMGJ1ZXRsNFJSQVl6N0gzM2MyLVVteHZfVA?oc=5) · Arkansas Business
- 2024-09-04 [Grand Savings Bank to open in Centerton - Talk Business & Politics](https://news.google.com/rss/articles/CBMifkFVX3lxTE5kZ3FfUWVTTnZWelg4dFJ6cHVpSThaX1V1OUVOLWd4a0h0c2JEZGprdExxTzVtdVhoRUR2Q0JHbE91Z2JQZ0JYaFIwaDFmQW05Y3JCSWpFWmhyZ01Qbml5UnZUZDlpOFUtMTZTMWtkZVR2aHVhUG1OQVJrem5Cdw?oc=5) · Talk Business &amp; Politics
- 2025-03-17 [Bentonville Bankers Behind Grand Savings Bank Set to Acquire Missouri-Based LimeBank - Arkansas Business](https://news.google.com/rss/articles/CBMimwFBVV95cUxOQy1tdWcwSGdEMEhMOG9MWUZhQlU5T3AzU1JRanFwSDkzeHZrRFlWZEw3Vy1PTnp3dDd6RmhLczFEdWNkdFBhaEdNWWViMDJERmw4cFFmcGJWSzJvaHpUS2diMWlzcDFfQlJ0aVFyQW9jc3RlbGVCYmVGY0taMHZ4ZThzOTJqTFBYX095Y1JfWEh2U2IzV2lHUFUtYw?oc=5) · Arkansas Business
- 2014-10-10 [Grand Savings Bank to Buy Decatur State Bank - Talk Business & Politics](https://news.google.com/rss/articles/CBMihAFBVV95cUxPNGdoMXhGWUJZRzBiTmo0NWp6UGo2ZVQ0OGV3VVBKM3ZhcWg0UlZHRHdwS1E0bVd5c2l3dm9wdmNVTFRPRm5BRTVReUlJYWJKY0JZMWM2ZmhQanVkR1c4LUJhX2NyLWx6WTlQenRMblJQYy1NUm00cThybHRBd2cydDd6NTQ?oc=5) · Talk Business &amp; Politics
- 2025-01-27 [New Appointments at Grand Savings Bank, Stephens Insurance, ASU-Beebe & More (Movers & Shakers) - Arkansas Business](https://news.google.com/rss/articles/CBMirgFBVV95cUxNcVNfd1Zpa0FMOGJmVU5jcnFFdHEtTGNwYU1XbkpIY1BwRlE2ZGJVbkVOdWZzWE9xRjNCSl8tRDJiN2ViRDNXTVVYNy1wWjVtbjRKek5QVTVad1c2Q1Y2cXY0UGYyYW9fb0FBbEtzc0UyVUZWb3ZLakNCcWJHaG5NQUdJVzRwemM1OG1kZWZFSGNrOHRfNXkxcnNMOU5RdnVnTTdGUVEzYTFJcnhUQWc?oc=5) · Arkansas Business
- 2018-07-17 [Bob King, top executive at The Bank of Fayetteville, hired by Grand Savings Bank - Talk Business & Politics](https://news.google.com/rss/articles/CBMisgFBVV95cUxOZUVlMU9LVzBBdDFxdlV1dHpkZzJNa3NqUlBkdXRPb1hYRkZyWnJLMG5sckVhVDBzNF9aNmFWVnZMZm5sT1RvMGdhMEpmVkRHbkl0ODRUUTBaMUVybzVnYW5VU05xS0wzSnpQR3k2Y0tWY3ExWk1FbFJ4VG1HNHRCa0RrV3F6V3lOVFR2Yk1uY09KeTNvdlJvZVNiZGRLNzljRFJLRUE3ZFVDUnRyWHBfZ3RR?oc=5) · Talk Business &amp; Politics
- 2025-05-01 [Bentonville Bankers Acquire LimeBank - Arkansas Business](https://news.google.com/rss/articles/CBMihAFBVV95cUxOVEgwdi1rRnVkdzBhZFVpcVE4TTZRTW9KSEtjOVJWYXlpbzMyMU9tXzE3djVndW5teE1rem1OTHNDVEFreEpudzAwQmIzQnFLUHQ0NnBUT0VJNUdSVl8tVWRQWlFnMWE5c21Nanp6ZzQxRDZGU28zU3FtTDlxc2FkMmxVQTY?oc=5) · Arkansas Business

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=32084 (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/20.json (key "32084", 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