TellerScore

Headquartered in Grove, Oklahoma, Grand Savings Bank is a state-chartered bank with $1.0B in total assets and $897.8M in deposits as of Q2 2026. It operates 15 offices across 2 states. Its charter dates back to 1981.

Grand Savings Bank has a TellerScore of 80 out of 100 (strong) based on Q2 2026 data — higher than 90% of its 897 banks with $1 billion – $10 billion. Among 170 banks headquartered in Oklahoma, it ranks 40th. Earnings contributes the most (100/100, 2.19%); funding & liquidity contributes the least (64/100, 93% loans-to-deposits, 18% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion70/100
Tier 1 leverage ratio: 11.97%
Loan quality79/100
Noncurrent loans ÷ total loans: 0.63%
Earnings100/100
Return on assets (annualized): 2.19%
Funding & liquidity64/100
Loans ÷ deposits and uninsured-deposit share: 92.7% · 18.4% uninsured
Problem-loan coverage92/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 4.23%

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 rose 5 points (75 → 80), mostly because the loan quality component improved by 15 points.

TellerScore
687480Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202472
Q3 202468
Q4 202473
Q1 202572
Q2 202575
Q3 202578
Q4 202579
Q1 202678
Q2 202680
Tier 1 leverage ratio
5.00%8.49%11.97%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.84%
Q3 202410.74%
Q4 202411.16%
Q1 202511.22%
Q2 202511.82%
Q3 202511.66%
Q4 202511.90%
Q1 202611.62%
Q2 202611.97%
Noncurrent loans
0.61%1.02%1.43%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20241.11%
Q3 20241.43%
Q4 20241.15%
Q1 20251.17%
Q2 20251.07%
Q3 20250.70%
Q4 20250.67%
Q1 20260.61%
Q2 20260.63%
Return on assets
1.93%2.09%2.26%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.94%
Q3 20241.93%
Q4 20241.95%
Q1 20252.07%
Q2 20252.18%
Q3 20252.26%
Q4 20252.18%
Q1 20262.14%
Q2 20262.19%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202680$1.0B11.97%0.63%2.19%92.7%
Q1 202678$1.0B11.62%0.61%2.14%93.5%
Q4 202579$1.0B11.90%0.67%2.18%91.4%
Q3 202578$978.6M11.66%0.70%2.26%90.3%
Q2 202575$946.4M11.82%1.07%2.18%92.2%
Q1 202572$938.5M11.22%1.17%2.07%88.9%
Q4 202473$959.6M11.16%1.15%1.95%85.4%
Q3 202468$943.7M10.74%1.43%1.93%84.8%
Q2 202472$919.9M10.84%1.11%1.94%86.4%

897 peers · $1 billion – $10 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 ratio11.97%
76th
Total risk-based capital0.00%
13th
Problem loans0.63%
42nd
Net charge-offs-0.00%
90th
Return on assets2.19%
93rd
Net interest margin5.06%
95th
Efficiency ratio45.1%
88th
Loans to deposits92.7%
33rd
Uninsured deposits18.4%
86th
Loan-loss reserves1.21%
60th
Texas ratio4.2%
44th

Similar-size banks in Oklahoma

InstitutionScoreAssetsCapitalProblem loansCompare
MapleMark BankBank Tulsa, OK59 out of 100, Moderate$1.0B11.6%0.66%vs
Kirkpatrick BankBank Edmond, OK79 out of 100, Strong$1.0B10.7%0.00%vs
Brooks Bank, National AssociationBank Chickasha, OK70 out of 100, Strong$1.1B13.3%2.61%vs
Firstar BankBank Sallisaw, OK66 out of 100, Moderate$1.2B9.0%0.68%vs
Liberty National BankBank Lawton, OK84 out of 100, Strong$1.3B10.3%0.02%vs
First Oklahoma BankBank Jenks, OK61 out of 100, Moderate$1.3B9.1%0.55%vs

Deposit insurance

Is my money safe at Grand Savings Bank?

Yes. Grand Savings Bank is an FDIC-insured institution (FDIC certificate #32084). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 18.4% of deposits ($165.2M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.97%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

15 locations

Branches

Grand Savings Bank lists 15 offices in 14 cities across 2 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Grand Savings Bank reported 153 home-loan applications under HMDA (LEI 5493003K28DNSKKT2059): 136 originated ($43,980,000 total), 12 denied, and 1 withdrawn or closed by the applicant. Its denial rate on decided applications was 7.9%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Grand Savings Bank
Former names
Grand Federal Savings Bank; Grand Savings and Loan Association
Type
State-chartered bank
FDIC certificate #
32084
RSSD ID
732178
Primary regulator
FDIC
Holding company
Grand Bcorp Inc
Established
April 10, 1981
Headquarters
1022 S Main St, Grove, OK 74344
Employees
193

Quick answers

Grand Savings Bank: common questions

Is Grand Savings Bank FDIC insured?

Yes. Grand Savings Bank is an FDIC-insured institution (FDIC certificate #32084). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Grand Savings Bank's TellerScore?

80 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 Savings Bank ever failed?

There is no failure record for FDIC certificate #32084 in the FDIC failed bank list.

How many branches does Grand Savings Bank have?

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

Nearby

Highest-scoring banks and credit unions with branches near Grove

InstitutionScoreAssetsCapitalProblem loansCompare
Service 1 Federal Credit UnionCredit union Muskegon, MI89 out of 100, Very strong$198.5M18.6%0.42%vs
The First National Bank and Trust Company of MiamiBank Miami, OK82 out of 100, Strong$191.4M13.4%0.60%vs
Legacy Credit UnionCredit union Joplin, MO80 out of 100, Strong$25.4M17.5%1.60%vs
Welch State Bank of Welch, Okla.Bank Welch, OK76 out of 100, Strong$449.8M10.2%0.36%vs
Great Southern BankBank Reeds Spring, MO73 out of 100, Strong$5.5B11.3%0.02%vs
RCB BankBank Claremore, OK72 out of 100, Strong$4.0B10.7%0.94%vs