Grand Bank for Savings, FSB: how it compares with its peers
Against 26 MS banks with half to twice its assets, Grand Bank for Savings, FSB's strongest measure in Q2 2026 is net interest margin (4.24% vs. a 3.88% peer median). Its weakest relative measure is return on assets (0.39% vs. 1.15%).
| Measure | Grand Bank for Savings, FSB | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.39% | 1.15% | Bottom third Ahead of 0% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.24% | 3.88% | Middle third Ahead of 65% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 89.02% | 65.01% | Bottom third Ahead of 0% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.0M | $5.4M | Middle third Ahead of 38% of peers |
| Loans to deposits Net loans and leases over total deposits. | 82.28% | 64.59% | Context |
What it means for lending operations
Its efficiency ratio of 89.02% is above the 65.01% 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
- Unity Bank of Mississippi Holly Springs, MS · $282M
- FNB Picayune Bank Picayune, MS · $282M
- The Commercial Bank De Kalb, MS · $295M
- The Bank of Forest Forest, MS · $296M
- Bank of Brookhaven Brookhaven, MS · $262M
- Bank of Franklin Meadville, MS · $302M
Questions about Grand Bank for Savings, FSB
How big is Grand Bank for Savings, FSB?
Grand Bank for Savings, FSB, established in 1968, is headquartered in Hattiesburg, MS. It reported $280M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Grand Bank for Savings, FSB's return on assets?
0.39% annualized in Q2 2026, against a 1.15% median for 26 MS banks with half to twice its assets, ahead of 0% of them.
What is Grand Bank for Savings, FSB's efficiency ratio?
89.02% in Q2 2026: it spent about 89 cents in noninterest expense for each dollar of revenue. The peer median is 65.01%, and lower is better.
Is Grand Bank for Savings, FSB growing its loans?
Net loans grew 6.0% over the year to Q2 2026, while deposits shrank 3.3%.
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 MS 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 Mississippi bank ranked.