Grand Bank
Tulsa, Oklahoma · FDIC Cert #22065
Grand Bank is an FDIC-insured bank (Certificate #22065) with $615M in total assets and $541M in total deposits as of the Q2 2024 Call Report. Headquartered in Tulsa, Oklahoma, the bank maintains a Tier 1 capital ratio of 12.47% (Well-Capitalized) and a nonperforming loan ratio of 0.05%. BankHealthData assigns a composite Health Grade of B (76/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Grand Bank (FDIC cert 22065) is a community bank — $615M in total assets, $541M in deposits, serving the Tulsa, Oklahoma area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 12.47% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is clean: non-performing loan ratio of 0.05% is below 0.5% — well within the healthy range for U.S. community and regional banks. Clean NPL ratios reflect either disciplined underwriting, a low-credit-risk loan mix, or both. Liquidity is in the normal range: 15.6% liquid assets relative to total assets — adequate for standard operating needs and routine deposit outflows.
Profitability is solid: ROA of 1.29% sits at or near the 1% benchmark for healthy U.S. banks. Net interest income, fee income, and operating efficiency are all in workable shape. Health-score trend is mildly negative across recent quarters. Mild declines can reflect either specific quarterly events (large one-time provisions, deposit shifts) or the early stages of broader pressure. Grand Bank carries a composite BankHealth grade of B (76/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Grand Bank
- Total Assets
- $615M
- Total Deposits
- $541M
- Tier 1 Capital Ratio
- 12.47%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.05%
- Liquidity Ratio
- 15.63%
- Return on Assets
- 1.29%
- Headquarters
- Tulsa, Oklahoma
- FDIC Certificate
- #22065
- Health Grade
- B (76/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Grand Bank holds a Tier 1 capital ratio of 12.47%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Grand Bank has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Grand Bank shows strong financial health indicators. With $615M in assets and a Health Score of 76/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Grand Bank Compares
Grand Bank’s Health Score of 76 is 12 points above the Oklahoma state average of 64 across 141 FDIC-insured banks. Its 12.47% Tier 1 capital ratio is 1.5 points below the US banking industry average near 14%. The 0.05% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 1.29% is in line with or above the national ROA benchmark of ~1.1%. Among 1354 similarly-sized banks, the average Health Score is 70, meaning this bank ranks above its size cohort. Site-wide, Grand Bank is 6 points above the portfolio average of 70.
Frequently Asked Questions
Grand Bank has a Bank Health Score of B (76/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 12.47%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Grand Bank's Tier 1 capital ratio of 12.47% and nonperforming loan ratio of 0.05% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Grand Bank is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #22065). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Grand Bank holds $615M in total assets and $541M in total deposits. It is headquartered in Tulsa, Oklahoma (FDIC Certificate #22065).
Grand Bank has a Tier 1 capital ratio of 12.47%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.05%, and the return on assets is 1.29%.
Yes. Grand Bank is FDIC-insured (Certificate #22065). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Grand Bank's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.