Grant County Bank
Medford, OK·RSSD 361354·FDIC 15778·bank:361354·CBLR opted in
- #154 of 171Total assets in Oklahoma
- 1offices
- 8employees
Performance over time
23 available quarters · Gaps indicate missing data · Reported period-end total assets; consolidated for FFIEC 031.
Inside the balance sheet
FDIC reported categories · Shares of reported gross loans. Missing components are not treated as zero.
What stands out at Grant County Bank
2 of 24 FORFI signals stand out against 583 similar banks, based on FDIC data for the quarter.
Net charge-offs rising while the peer median holds steadyWorth a look: Asset quality1.06%peers 0.00%+106 bps
Grant County Bank's annualized net charge-off rate rose 106 bps over the past year to 1.06%. Among 516 similar banks, the median was essentially unchanged.
| This institution | Peer median | Difference |
|---|---|---|
| Annualized net charge-off rate | ||
| 1.06% | 0.00% | +106 bps |
| 12-month change | ||
| +106 bps | 0 bps | +106 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 583 banks with under $100 million in assets that filed FDIC data for the same quarter. Grant County Bank itself is left out of every peer median and percentile. How signals work
Deposit costs falling faster than peersStrength: Funding2.19%peers 1.51%+68 bps
Grant County Bank's cost of all deposits fell 62 bps over the past year to 2.19%. Among 534 similar banks, the median fell 10 bps.
| This institution | Peer median | Difference |
|---|---|---|
| Cost of all deposits | ||
| 2.19% | 1.51% | +68 bps |
| 12-month change | ||
| -62 bps | -10 bps | -53 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 583 banks with under $100 million in assets that filed FDIC data for the same quarter. Grant County Bank itself is left out of every peer median and percentile. How signals work
Where Grant County Bank differs most from peers
Net interest margin among the lowest of similar banksContext: Earnings2.16%peers 3.94%-178 bps
Grant County Bank's net interest margin was 2.16%, compared with a median of 3.94% among 572 similar banks: lower than 96% of them.
| This institution | Peer median | Difference |
|---|---|---|
| Net interest margin | ||
| 2.16% | 3.94% | -178 bps |
Not a flagged change: this is where the institution sits furthest from similar institutions this quarter. Peers: 583 banks with under $100 million in assets that filed FDIC data for the same quarter. Grant County Bank itself is left out of every peer median and percentile. How signals work
Key facts
- Grant County Bank is a bank headquartered in Medford, Oklahoma. It reported $58.4 million in total assets for the quarter ended June 30, 2026.
- Deposits totaled $49.2 million, up 6.7% from a year earlier, and loans totaled $10.6 million, down 6.9%.
- Its net interest margin was 2.16% and its annualized return on assets was 0.01% for the quarter.
- Its cost of all deposits was 2.19%, compared with a median of 1.51% among 538 similar banks with under $100 million in assets.
Scorecard against peers
Capitalization
Liquidity & funding
Margin & yield
Income & expense
Asset quality
Charge-offs & allowance
Arrows show whether the value sits above or below the peer median. Colour shows whether that side is favourable for the measure: green favourable, red unfavourable, grey where neither side is (for example, a lower loan-to-core-deposit ratio is favourable, so a negative gap is green). Peer medians cover the same source, form, period, institution type and asset band, and count this institution in its own cohort. The peer line on every chart reads the same cohort. Regulatory definitions differ from FORFI quarterly estimates.
Watch items
Screening prompts computed from this filing only. Thresholds follow common review conventions and interagency concentration references; they are not supervisory ratings or predictions.
Public filings show what changed. Internal data shows why.
With Grant County Bank's own data, FORFI would look at: Which borrowers and segments are migrating toward delinquency, before losses arrive.
Analysis workspaces
Sources and identifiers
- Institution
- Grant County Bank · Bank
- Federal Reserve RSSD
- 361354
- FDIC certificate
- 15778
- Reporting period
- Peer group
- 583 banks with under $100 million in assets that filed FDIC data for the same quarter. Grant County Bank itself is left out of every peer median and percentile.
Figures are FORFI calculations from public regulatory filings, shown as reported. Signals are descriptive screening rules, not supervisory ratings, credit opinions or forecasts. Methodology
Income & calculation basis
FDIC · 2026-04-01 through 2026-06-30 · Annualization factor 4.010989 applies to ROA and margin only.
| Measure | FORFI calculation | FDIC published reference |
|---|---|---|
| $2K | — | |
| $581K | — | |
| $271K | — | |
| $310K | — | |
| $11K | — | |
| $319K | — | |
| $0 | — | |
| $0 | — | |
| 0.01% | 0.01%ROAQ · Quarter | |
| 2.16% | 2.15%NIMYQ · Quarter | |
| 99.38% | 99.38%EEFFQR · adjusted · Quarter |
Credit-quality reconciliation · Source components agree. NALNLS (nonaccrual) + P9LNLS (90+ days accruing) = NCLNLS (noncurrent).
How to interpret differences
Flows cover the selected income window. Balance-sheet amounts, members and staffing are as of the filing date.
Published FDIC references use the regulator's own averaging, annualization and adjustments; the convention selector changes FORFI calculations only. Source-provided averages are used when available; endpoint fallbacks are labeled estimates.
Missing inputs remain unavailable. Credit-union margins use average assets and are not comparable with bank margins over earning assets.
AFS + HTM securities exclude deposits at other institutions. Broader investment totals may overlap cash; do not add them to cash without reconciling components.
Regulatory source definitionsFiling imported 2026-09-25T00:32:31.073937+00:00. Separate reference provenance is included in the export.