Bank of Grand Lake: how it compares with its peers
Against 68 OK banks with half to twice its assets, Bank of Grand Lake's strongest measure in Q2 2026 is assets per employee ($6.9M vs. a $6.2M peer median). Its weakest relative measure is net interest margin (3.39% vs. 4.25%).
| Measure | Bank of Grand Lake | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.12% | 1.54% | Bottom third Ahead of 26% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.39% | 4.25% | Bottom third Ahead of 9% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 67.04% | 60.39% | Middle third Ahead of 37% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.9M | $6.2M | Middle third Ahead of 66% of peers |
| Loans to deposits Net loans and leases over total deposits. | 71.09% | 76.98% | Context |
What it means for lending operations
Its efficiency ratio of 67.04% is above the 60.39% 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 & Trust Company Perry, OK · $255M
- The Idabel National Bank Idabel, OK · $242M
- Method Bank Wyandotte, OK · $241M
- YNB Yukon, OK · $261M
- The First National Bank and Trust Company of Broken Arrow Broken Arrow, OK · $269M
- Triad Bank, National Association Tulsa, OK · $229M
Questions about Bank of Grand Lake
How big is Bank of Grand Lake?
Bank of Grand Lake, established in 2005, is headquartered in Grove, OK. It reported $249M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is Bank of Grand Lake's return on assets?
1.12% annualized in Q2 2026, against a 1.54% median for 68 OK banks with half to twice its assets, ahead of 26% of them.
What is Bank of Grand Lake's efficiency ratio?
67.04% in Q2 2026: it spent about 67 cents in noninterest expense for each dollar of revenue. The peer median is 60.39%, and lower is better.
Is Bank of Grand Lake growing its loans?
Net loans grew 9.0% over the year to Q2 2026, while deposits shrank 1.1%.
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.