TellerScore

Grand Bank (FDIC certificate #22065) is based in Tulsa, Oklahoma. Its Q2 2026 call report shows $712.8M in total assets and $617.9M in deposits and 4 offices across 2 states.

Grand Bank has a TellerScore of 73 out of 100 (strong) based on Q2 2026 data — higher than 53% of its 2,650 banks with $100 million – $1 billion. Among 170 banks headquartered in Oklahoma, it ranks 67th. Loan quality contributes the most (100/100, 0.00%); funding & liquidity contributes the least (43/100, 90% loans-to-deposits, 40% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion53/100
Tier 1 leverage ratio: 10.33%
Loan quality100/100
Noncurrent loans ÷ total loans: 0.00%
Earnings80/100
Return on assets (annualized): 1.50%
Funding & liquidity43/100
Loans ÷ deposits and uninsured-deposit share: 89.7% · 40.0% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.00%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (72 → 73).

TellerScore
707274Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202471
Q3 202470
Q4 202470
Q1 202573
Q2 202572
Q3 202571
Q4 202571
Q1 202674
Q2 202673
Tier 1 leverage ratio
5.00%7.90%10.81%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.49%
Q3 202410.23%
Q4 202410.20%
Q1 202510.27%
Q2 202510.40%
Q3 202510.27%
Q4 202510.42%
Q1 202610.81%
Q2 202610.33%
Noncurrent loans
0.00%0.04%0.09%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.05%
Q3 20240.04%
Q4 20240.09%
Q1 20250.00%
Q2 20250.05%
Q3 20250.04%
Q4 20250.07%
Q1 20260.00%
Q2 20260.00%
Return on assets
0.99%1.25%1.50%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.99%
Q3 20241.01%
Q4 20241.08%
Q1 20251.34%
Q2 20251.25%
Q3 20251.25%
Q4 20251.28%
Q1 20261.44%
Q2 20261.50%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202673$712.8M10.33%0.00%1.50%89.7%
Q1 202674$679.2M10.81%0.00%1.44%92.8%
Q4 202571$653.8M10.42%0.07%1.28%94.2%
Q3 202571$670.2M10.27%0.04%1.25%88.5%
Q2 202572$664.6M10.40%0.05%1.25%85.4%
Q1 202573$647.3M10.27%0.00%1.34%88.0%
Q4 202470$625.1M10.20%0.09%1.08%91.8%
Q3 202470$631.1M10.23%0.04%1.01%90.8%
Q2 202471$614.6M10.49%0.05%0.99%89.6%

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).

Capital ratio10.33%
38th
Total risk-based capital13.81%
61st
Problem loans0.00%
94th
Net charge-offs0.00%
68th
Return on assets1.50%
65th
Net interest margin4.31%
71st
Efficiency ratio53.1%
77th
Loans to deposits89.7%
27th
Uninsured deposits40.0%
10th
Loan-loss reserves1.59%
83rd
Texas ratio0.0%
95th

Similar-size banks in Oklahoma

InstitutionScoreAssetsCapitalProblem loansCompare
Prism BankBank Guthrie, OK63 out of 100, Moderate$720.9M10.1%0.49%vs
American Nation BankBank Ardmore, OK76 out of 100, Strong$691.5M10.3%0.06%vs
First National Bank and Trust Company of ArdmoreBank Ardmore, OK79 out of 100, Strong$686.7M10.1%0.03%vs
Legacy BankBank Hinton, OK36 out of 100, Low$686.5M8.5%3.22%vs
FirstBankBank Antlers, OK69 out of 100, Moderate$684.3M10.8%0.82%vs
First Bank of OwassoBank Owasso, OK93 out of 100, Very strong$639.3M15.7%0.01%vs

Deposit insurance

Is my money safe at Grand Bank?

Yes. Grand Bank is an FDIC-insured institution (FDIC certificate #22065). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 40.0% of deposits ($247.3M) 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 10.33%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.81% (benchmark: 10%).

Check how much of your own balance is covered

4 locations

Branches

Grand Bank lists 4 offices in 3 cities across 2 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Grand Bank
Former names
Grand Lake Bank
Type
State-chartered bank (Fed member)
FDIC certificate #
22065
RSSD ID
76854
Primary regulator
FED
Holding company
Grand Capital Corp
Established
July 21, 1975
Headquarters
2642 E 21st St, Tulsa, OK 74114
Employees
59

Quick answers

Grand Bank: common questions

Is Grand Bank FDIC insured?

Yes. Grand Bank is an FDIC-insured institution (FDIC certificate #22065). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Grand Bank's TellerScore?

73 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Grand Bank ever failed?

There is no failure record for FDIC certificate #22065 in the FDIC failed bank list.

How many branches does Grand Bank have?

4 offices as of the latest FDIC data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Tulsa

InstitutionScoreAssetsCapitalProblem loansCompare
First Bank of OwassoBank Owasso, OK93 out of 100, Very strong$639.3M15.7%0.01%vs
Saint Francis Employees Federal Credit UnionCredit union Tulsa, OK92 out of 100, Very strong$44.7M15.9%0.20%vs
The First National Bank and Trust Company of Broken ArrowBank Broken Arrow, OK89 out of 100, Very strong$269.5M16.4%0.14%vs
International Bank of CommerceBank Oklahoma City, OK88 out of 100, Very strong$1.6B15.5%0.66%vs
United Members Federal Credit UnionCredit union Tulsa, OK87 out of 100, Very strong$10.4M18.6%0.15%vs
Bank 7Bank Oklahoma City, OK86 out of 100, Very strong$1.9B13.9%0.39%vs