# BANK OF GRAND LAKE
GROVE, OK · FDIC certificate 57915 · 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 | $249.1M | |
| Deposits | $218.8M | |
| Loans and leases | $156.5M | |
| Total equity | $24.7M | |
| Loans / deposits | 71.09% (p46 of band) | 73.59% |
| Liquid assets / assets | 34.61% (p54 of band) | |
| Uninsured deposits / deposits | 31.91% (p85 of band) | 19.81% |
| Brokered deposits | 2.30% | |
| Wholesale funding | 4.31% (p70 of band) | |
| FHLB advances / assets | 2.01% | |
| Tier 1 leverage | 10.12% (p26 of band) | 11.76% |
| Unrealized securities loss / equity | -9.24% (p42 of band) | -6.57% |
| AOCI / equity | 0.00% (p78 of band) | |
| ROA (annualized) | 1.12% (p48 of band) | 1.17% |
| Net interest margin | 3.39% (p25 of band) | 3.93% |
| Efficiency ratio | 67.04% (p53 of band) | |
| Noncurrent loans | 0.96% (p70 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p54 of band) | |
| Reserve coverage of noncurrent | 62.66% | |
| Real estate % of loans | 80% | |
| Construction % of loans | 18.90% (p52 of band) | |
| Auto loans | $1.5M (0.98% of loans; DQ 1.63%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -1.1% | |
| Employees | 36 | |

## Flags firing in the latest filing

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

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 5 | loans exceed deposits, brokered >10%, wholesale funding >15%, liquid assets <10%, construction >100% equity |  |
| 2011-06 | 4 |  | liquid assets <10% |
| 2011-09 | 4 |  |  |
| 2011-12 | 3 |  | brokered >10% |
| 2012-03 | 4 | uninsured deposits leaving |  |
| 2012-06 | 4 |  |  |
| 2012-09 | 3 |  | uninsured deposits leaving |
| 2012-12 | 2 |  | construction >100% equity |
| 2013-03 | 4 | charge-offs p90, construction >100% equity |  |
| 2013-06 | 2 |  | loans exceed deposits, charge-offs p90 |
| 2013-09 | 3 | charge-offs p90 |  |
| 2013-12 | 6 | brokered >10%, leverage <7%, capital falling |  |
| 2014-03 | 3 |  | charge-offs p90, leverage <7%, capital falling |
| 2014-06 | 4 | uninsured deposits leaving |  |
| 2014-09 | 4 | charge-offs p90 | construction >100% equity |
| 2014-12 | 2 |  | uninsured deposits leaving, charge-offs p90 |
| 2015-03 | 2 |  |  |
| 2015-06 | 2 |  |  |
| 2015-09 | 4 | capital falling, uninsured deposits leaving |  |
| 2015-12 | 2 |  | capital falling, uninsured deposits leaving |
| 2016-03 | 3 | uninsured deposits leaving |  |
| 2016-06 | 3 |  |  |
| 2016-09 | 3 |  |  |
| 2016-12 | 3 |  |  |
| 2017-03 | 2 |  | uninsured deposits leaving |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 3 | capital falling |  |
| 2018-06 | 3 |  |  |
| 2018-09 | 3 |  |  |
| 2018-12 | 2 |  | capital falling |
| 2019-03 | 3 | reserve under noncurrent |  |
| 2019-06 | 4 | capital falling |  |
| 2019-09 | 4 |  |  |
| 2019-12 | 2 |  | wholesale funding >15%, capital falling |
| 2020-03 | 2 | deposits shrinking | brokered >10% |
| 2020-06 | 2 | wholesale funding >15% | deposits shrinking |
| 2020-09 | 3 | leverage <7%, capital falling | wholesale funding >15% |
| 2020-12 | 0 |  | reserve under noncurrent, leverage <7%, capital falling |
| 2021-03 | 1 | charge-offs p90 |  |
| 2021-06 | 1 | capital falling | charge-offs p90 |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 2 | leverage <7%, capital falling |  |
| 2022-09 | 1 | securities losses >30% of equity | leverage <7%, capital falling |
| 2022-12 | 0 |  | securities losses >30% of equity |
| 2023-03 | 1 | deposits shrinking |  |
| 2023-06 | 1 |  |  |
| 2023-09 | 0 |  | deposits shrinking |
| 2023-12 | 0 |  |  |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 1 | deposits shrinking |  |
| 2025-12 | 2 | uninsured deposits leaving |  |
| 2026-03 | 3 | assets shrinking |  |
| 2026-06 | 1 | reserve under noncurrent | deposits shrinking, uninsured deposits leaving, assets shrinking |

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

- 2026-01-04 [Edward A. "Ed" Townsend Obituary (2026) - Norman, OK - Nichols-Stephens Funeral and Cremation Service - legacy.com](https://news.google.com/rss/articles/CBMihAFBVV95cUxQX21BYzV3VVJ0T0JxaXlyNzZZeGVBNXcyQ01Vdmd2UTZRa0hQc0FQb2s5RjcxM0cwQ1dZRXN2aHB4bURXX3VTX2hUR3lKLU03YVpYdWFNLUw3OEM5eFBWak5RRTFPVldfMFRVa2xzUHhYU2dmSWZoZ0FGUHRpVXlzRVF0a2Y?oc=5) · legacy.com
- 2025-02-04 [New “Event Center” to open later this year at Wolf Creek Park on Grand Lake - FourStatesHomepage.com](https://news.google.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?oc=5) · FourStatesHomepage.com
- 2025-11-19 [Community Banks with the Highest Returns on Average Equity (Jun. 30, 2025) - American Banker](https://news.google.com/rss/articles/CBMiqgFBVV95cUxQYl8wUE5wZnBNNHRyc05LOThZaHBvb1VZbFUxc0NrN3J1SlQtUzV5ajNDd3J6dXVWSFhDWkdzbDlMaXllUHdBWmdNXy1LWEFNekUteVFOU24yd2FrcFBWWl8zWFBiWWg2alJyM0FxNjFfV1pIVTExMDgzakdtOW5oRFdLLVlobk14Vk9PWHRRMHV5RGJSVnk5Wk4tTkt4V3FzeEFZZklmTzFVdw?oc=5) · American Banker
- 2024-12-31 [54 Hispanic American-Owned Banks and Credit Unions, Sorted by State - businessinsider.com](https://news.google.com/rss/articles/CBMiogFBVV95cUxNNmt0RG9HN2paQWIzZFhYT1ZrSzJMMFB4RXpMdnRZRThiZUFoLUlDVWJUWmQwYVBTZ3NQNU9JRVJHcG9QZUZuTklnUlc1MzFncHhidzRmc0p6RFRXYm43WlUzT2RvckFKUGNiNEpIU1hzbkozLWtVX2p1V1ZCNVZiNmN4T2lKMXpGU3RVTkpGbWhsa0E0SXZ4WlBUMnVhTFAzcVE?oc=5) · businessinsider.com
- 2023-05-08 [The Battlefield opens for play at Shangri-La Resort - Golf Oklahoma](https://news.google.com/rss/articles/CBMigwFBVV95cUxON3E3M3l6VmVOTlZNNTVHN29mVnBQN01rYzVlczhDQUpWQ0J5dTlmZEhQMU84cDh2V3JSbDUtNVhEN2UzYkMwSTVwVVAtUUFhWGluR2h4bjR1Rl9KYVJOWDRMaUh0S3QzLTVRSWZqUjFYN2pmNElVbmFVZC0yS0Q0SHdvMA?oc=5) · Golf Oklahoma
- 2026-09-04 [Townsend Estate donates $11,500 to Community Crisis Center - Yahoo](https://news.google.com/rss/articles/CBMiiAFBVV95cUxOOXJiaVUxaDNtVjRMTzUtaG5yWElEMWxtYl9BaWhwMEcyZGdNck1yX0Eza3RrbW1Sc3BqVUJPdTB2MjlRTTZCOXoya25kd3hNY1dILTNHSnUtVjJzem9ncXNjb1NNSmlzZ2pvVWkzNTJUanpzM1JKSmN6eWFfaEJvZFZHRzRnc0c3?oc=5) · Yahoo
- 2021-02-05 [Hispanic American–Owned Banks by State - Investopedia](https://news.google.com/rss/articles/CBMigAFBVV95cUxNekJYVXloWFZDb19oMGVOdmo5aFRBalRMbHktTk90UmRrY0c3a2hINVl1eFAzWURsV0RhX3Y2NDdJMVdvbmduUzNqa3REV0U5NXdRRF9CNVpvTC1QbTYwYUVBQm90N2VHbmhhQ2laRUh2RlEtSV9teWF1OTNvd2Q3Zw?oc=5) · Investopedia
- 2025-06-05 [Wolf Creek Expo Center to open this fall in Grove - FourStatesHomepage.com](https://news.google.com/rss/articles/CBMinAFBVV95cUxQVmFrMnZlMmpaRndqNVVxRTctTTIwa2NXUEpybV9uSjdOZ3ZEaVU3cHRkZmJuNV9Fc3d6bGEzc0h3NlEtcXYybEIyUS15QTljUXNFUFh5ajhfalA1QVRYMGwzbl9KRGtPbTZ4S2FxM0UzX1B6TFpxWlJLU0d0UGRZQjEzamNlZTZPOWx0V3AwS2J2T1RaZlo3MU96cXfSAaIBQVVfeXFMTW43bm5lRGhTTzUzSldydkZIZmhFMlVzblBYcTVSdGlRNjlJSXI2MDdOM2JSOGlWekZhYmVCT2puV0cwMG9NUGFLWGxNWnc2cGUtM0ltRGh2TUdQbU5WZXNxSWZiRFhUQll2WGZrUlNVMmFxbnl5YmVORnRpWVdFTU5acE1mTzJNODFid0wxLVAwY18tSExjSnR4eDJsWW1Ub3ln?oc=5) · FourStatesHomepage.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57915 (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/59.json (key "57915", 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