Bank of Grandin: how it compares with its peers
Against 92 MO banks with half to twice its assets, Bank of Grandin's strongest measure in Q2 2026 is efficiency ratio (51.51% vs. a 59.90% peer median). Its weakest relative measure is net interest margin (3.94% vs. 4.06%).
| Measure | Bank of Grandin | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.79% | 1.34% | Top third Ahead of 71% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.94% | 4.06% | Middle third Ahead of 42% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 51.51% | 59.90% | Top third Ahead of 74% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.1M | $6.1M | Top third Ahead of 72% of peers |
| Loans to deposits Net loans and leases over total deposits. | 79.07% | 83.40% | Context |
What it means for lending operations
Its efficiency ratio of 51.51% is better than the 59.90% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Citizens Bank of the Midwest Rolla, MO · $238M
- Bank of Weston Weston, MO · $246M
- Citizens Bank of Eldon Eldon, MO · $247M
- Peoples Bank Cuba, MO · $249M
- First State Bank of the Ozarks Purdy, MO · $249M
- St. Clair County State Bank Osceola, MO · $232M
Questions about Bank of Grandin
How big is Bank of Grandin?
Bank of Grandin, established in 1913, is headquartered in Grandin, MO. It reported $241M in total assets in its Q2 2026 FDIC call report and operates 5 offices.
What is Bank of Grandin's return on assets?
1.79% annualized in Q2 2026, against a 1.34% median for 92 MO banks with half to twice its assets, ahead of 71% of them.
What is Bank of Grandin's efficiency ratio?
51.51% in Q2 2026: it spent about 52 cents in noninterest expense for each dollar of revenue. The peer median is 59.90%, and lower is better.
Is Bank of Grandin growing its loans?
Net loans grew 16.2% over the year to Q2 2026, while deposits grew 5.1%.
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 MO 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 Missouri bank ranked.