Bank of Grand Lake (FDIC certificate #57915) is based in Grove, Oklahoma. Its Q2 2026 call report shows $249.1M in total assets and $218.8M in deposits and 2 offices.
Bank of Grand Lake has a TellerScore of 65 out of 100 (moderate) based on Q2 2026 data — higher than only 29% of its 2,650 banks with $100 million – $1 billion. Among 170 banks headquartered in Oklahoma, it ranks 109th. Problem-loan coverage contributes the most (88/100, 5.9%); capital cushion contributes the least (51/100, 10.12%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 16 points (81 → 65), mostly because the earnings component weakened by 35 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 70 |
| Q3 2024 | 71 |
| Q4 2024 | 71 |
| Q1 2025 | 72 |
| Q2 2025 | 81 |
| Q3 2025 | 82 |
| Q4 2025 | 82 |
| Q1 2026 | 76 |
| Q2 2026 | 65 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 8.25% |
| Q3 2024 | 8.44% |
| Q4 2024 | 8.65% |
| Q1 2025 | 8.68% |
| Q2 2025 | 10.06% |
| Q3 2025 | 10.64% |
| Q4 2025 | 10.82% |
| Q1 2026 | 10.91% |
| Q2 2026 | 10.12% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.06% |
| Q3 2025 | 0.16% |
| Q4 2025 | 0.19% |
| Q1 2026 | 0.19% |
| Q2 2026 | 0.96% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.24% |
| Q3 2024 | 1.26% |
| Q4 2024 | 1.27% |
| Q1 2025 | 1.34% |
| Q2 2025 | 3.33% |
| Q3 2025 | 2.79% |
| Q4 2025 | 2.45% |
| Q1 2026 | 1.24% |
| Q2 2026 | 1.12% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 65 | $249.1M | 10.12% | 0.96% | 1.12% | 71.1% |
| Q1 2026 | 76 | $239.6M | 10.91% | 0.19% | 1.24% | 70.9% |
| Q4 2025 | 82 | $235.5M | 10.82% | 0.19% | 2.45% | 72.2% |
| Q3 2025 | 82 | $240.6M | 10.64% | 0.16% | 2.79% | 67.8% |
| Q2 2025 | 81 | $247.0M | 10.06% | 0.06% | 3.33% | 64.5% |
| Q1 2025 | 72 | $252.9M | 8.68% | 0.00% | 1.34% | 63.4% |
| Q4 2024 | 71 | $239.9M | 8.65% | 0.00% | 1.27% | 67.9% |
| Q3 2024 | 71 | $246.8M | 8.44% | 0.00% | 1.26% | 65.3% |
| Q2 2024 | 70 | $248.7M | 8.25% | 0.00% | 1.24% | 64.3% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Oklahoma
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First Bank & Trust CompanyBank Perry, OK | 78 out of 100, Strong | $255.2M | 11.3% | 0.73% | vs |
| The Idabel National BankBank Idabel, OK | 52 out of 100, Below average | $242.3M | 16.2% | 8.39% | vs |
| Method BankBank Wyandotte, OK | 66 out of 100, Moderate | $241.2M | 9.8% | 0.70% | vs |
| YnbBank Yukon, OK | 60 out of 100, Moderate | $261.4M | 8.5% | 0.39% | vs |
| The First National Bank and Trust Company of Broken ArrowBank Broken Arrow, OK | 89 out of 100, Very strong | $269.5M | 16.4% | 0.14% | vs |
| Triad Bank, National AssociationBank Tulsa, OK | 50 out of 100, Below average | $228.6M | 12.7% | 5.96% | vs |
Deposit insurance
Is my money safe at Bank of Grand Lake?
Yes. Bank of Grand Lake is an FDIC-insured institution (FDIC certificate #57915). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 31.9% of deposits ($69.8M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.12%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 17.54% (benchmark: 10%).
2 locations
Branches
Bank of Grand Lake lists 2 offices in 2 cities. Most locations:
- Grove, OK (1)
- Langley, OK (1)
Identity & history
Profile
- Legal name
- Bank of Grand Lake
- Former names
- The Bank of Grove, F.S.B; Bank of Grove
- Type
- State-chartered bank
- FDIC certificate #
- 57915
- RSSD ID
- 3286999
- Primary regulator
- FDIC
- Holding company
- Townsend Holding Co
- Established
- June 9, 2005
- Headquarters
- 201 E 18th St, Grove, OK 74344
- Website
- www.bankofgrandlake.com
- Employees
- 36
Quick answers
Bank of Grand Lake: common questions
Is Bank of Grand Lake FDIC insured?
Yes. Bank of Grand Lake is an FDIC-insured institution (FDIC certificate #57915). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Bank of Grand Lake's TellerScore?
65 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Bank of Grand Lake ever failed?
There is no failure record for FDIC certificate #57915 in the FDIC failed bank list.
How many branches does Bank of Grand Lake have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Grove
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Service 1 Federal Credit UnionCredit union Muskegon, MI | 89 out of 100, Very strong | $198.5M | 18.6% | 0.42% | vs |
| The First National Bank and Trust Company of MiamiBank Miami, OK | 82 out of 100, Strong | $191.4M | 13.4% | 0.60% | vs |
| Grand Savings BankBank Grove, OK | 80 out of 100, Strong | $1.0B | 12.0% | 0.63% | vs |
| Legacy Credit UnionCredit union Joplin, MO | 80 out of 100, Strong | $25.4M | 17.5% | 1.60% | vs |
| Welch State Bank of Welch, Okla.Bank Welch, OK | 76 out of 100, Strong | $449.8M | 10.2% | 0.36% | vs |
| Great Southern BankBank Reeds Spring, MO | 73 out of 100, Strong | $5.5B | 11.3% | 0.02% | vs |