Local Bank (FDIC #2327): Bank Stress & Real-Estate Credit Exposure

Local Bank (FDIC Cert #2327): bank stress 83/100, severe, STABLE over 7 days; parent GRANDVIEW BANKSHARES INC.

Local Bank (#2327) lends in 4 counties across 1 state; Local Bank (#2327) reaches 45 ZIP codes: Oklahoma 4 counties, 45 ZIPs.

Local Bank (#2327) largest markets: Cherokee County, OK (48 branches, 16 ZIPs) (#2327), Muskogee County, OK (15 branches, 15 ZIPs) (#2327), Delaware County, OK (13 branches, 13 ZIPs) (#2327), Sequoyah County, OK (9 branches, 9 ZIPs) (#2327).

Local Bank (#2327) reports $463.1 million in total assets; Local Bank (#2327) equity $47.0 million (10.2% of Local Bank (#2327) assets); Local Bank (#2327) domestic deposits $382.6 million; Local Bank (#2327) net income $755,000; Local Bank (#2327) return on assets 0.34%; Local Bank (#2327) return on equity 3.21%; Local Bank (#2327) net interest income $7.7 million; Local Bank (#2327) call report June 30, 2026.

Local Bank (#2327) noncurrent real-estate loans: none reported; Local Bank (#2327) net charge-offs on real estate 0.72%; Local Bank (#2327) residential charge-offs 0.16%.

Local Bank (#2327) net interest margin 3.92% against an eight-quarter Local Bank (#2327) average of 3.49% (Local Bank (#2327) compression -0.43 points); Local Bank (#2327) non-residential real estate 15.9% of equity; Local Bank (#2327) rate-exposure score 40/100, Local Bank (#2327) fixed-rate trap 40/100; Local Bank (#2327) risk type credit driven; Local Bank (#2327) rate regime rates elevated, Local Bank (#2327) snapshot October 20, 2026.

Local Bank (#2327) stress score moved from 80.8 on June 22, 2026 to 83.2 on October 20, 2026; Local Bank (#2327) ranged 80.8 to 83.2 over 117 snapshots.

Local Bank (#2327) alerts: 4 counties; top Local Bank (#2327) alert scores: Muskogee County, OK 44 (moderate); Grove County, OK 25 (low); Sallisaw County, OK 25 (low); Tahlequah County, OK 25 (low).