Grant County Bank: how it compares with its peers
Against 37 OK banks with half to twice its assets, Grant County Bank's strongest measure in Q2 2026 is assets per employee ($7.3M vs. a $4.7M peer median). Its weakest relative measure is net interest margin (2.03% vs. 4.38%).
| Measure | Grant County Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | -0.03% | 1.48% | Bottom third Ahead of 8% of peers |
| Net interest margin Annualized net interest income over earning assets. | 2.03% | 4.38% | Bottom third Ahead of 0% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 101.45% | 65.51% | Bottom third Ahead of 5% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.3M | $4.7M | Top third Ahead of 89% of peers |
| Loans to deposits Net loans and leases over total deposits. | 20.93% | 66.65% | Context |
What it means for lending operations
Its efficiency ratio of 101.45% is above the 65.51% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- First Bank and Trust Company Clinton, OK · $58M
- Farmers State Bank, Allen, Oklahoma Allen, OK · $57M
- BANK360 Cordell, OK · $61M
- The First Farmers National Bank of Waurika Waurika, OK · $56M
- The First State Bank of Pond Creek, Oklahoma Pond Creek, OK · $55M
- First State Bank Noble, OK · $61M
Questions about Grant County Bank
How big is Grant County Bank?
Grant County Bank, established in 1895, is headquartered in Medford, OK. It reported $58M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Grant County Bank's return on assets?
-0.03% annualized in Q2 2026, against a 1.48% median for 37 OK banks with half to twice its assets, ahead of 8% of them.
What is Grant County Bank's efficiency ratio?
101.45% in Q2 2026: it spent about 101 cents in noninterest expense for each dollar of revenue. The peer median is 65.51%, and lower is better.
Is Grant County Bank growing its loans?
Net loans shrank 6.8% over the year to Q2 2026, while deposits grew 6.7%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are OK banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Oklahoma bank ranked.