$276M
+4.2%y/y
Percentile by value90th percentileby value
FDIC
ASSETGB
Grand Bank for Savings, FSB
Hattiesburg, MississippiFDIC Cert #31864
OCCEstablished 19681 branch
Holding company: GBS FINANCIAL INCRegulator: OCC
FDIC
CERT + OFFDOMWhat's happening here
As of Q1 2026FDIC
Call ReportGrand Bank for Savings, FSB reported $276M in total assets. Deposits grew 1.00% over the prior year.
Return on assets was 0.30%, compared with an asset-peer median of 1.18%. The leverage ratio was 10.90%.
- Why is Total Assets above asset peers?
- Why is Efficiency Ratio above asset peers?
- Why is Return on Assets below asset peers?
Generated offline from verified FDIC facts for the period shown. Bank Data Insights does not rate banks, predict outcomes, or provide advice.
Latest reported quarter
Key metrics
$244M
+1.0%y/y
Percentile by value92nd percentileby value
FDIC
DEP$205M
+9.5%y/y
Percentile by value94th percentileby value
FDIC
LNLSNET0.30%
−5 bpsy/y
Peer standing9th percentile
FDIC
NETINC + ROA89.07%
−54 bpsy/y
Peer standing9th percentile
FDIC
NONIX + NIM + NONII + EEFFR10.90%
+266 bpsy/y
Peer standing46th percentile
FDIC
RBC1AAJPercentiles compare this bank with 1,247 banks from $100 million to $300 million.
FDIC
Call ReportBalance sheet trend
Assets & deposits
| Quarter | Assets | Deposits |
|---|---|---|
| Q2 2021 | $109M | $89.4M |
| Q3 2021 | $95.8M | $82.7M |
| Q4 2021 | $96.6M | $83.4M |
| Q1 2022 | $104M | $90.1M |
| Q2 2022 | $107M | $92.4M |
| Q3 2022 | $111M | $85.4M |
| Q4 2022 | $116M | $87.7M |
| Q1 2023 | $127M | $110M |
| Q2 2023 | $134M | $116M |
| Q3 2023 | $134M | $113M |
| Q4 2023 | $161M | $132M |
| Q1 2024 | $182M | $163M |
| Q2 2024 | $205M | $183M |
| Q3 2024 | $242M | $217M |
| Q4 2024 | $253M | $228M |
| Q1 2025 | $265M | $241M |
| Q2 2025 | $288M | $255M |
| Q3 2025 | $281M | $247M |
| Q4 2025 | $277M | $245M |
| Q1 2026 | $276M | $244M |
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $9K |
| Investor CRE | $0 |
| Multifamily | $159K |
| Construction | $2.79M |
| 1–4 family | $204M |
| C&I | $0 |
| Agriculture | $0 |
| Other | $35K |
Peer comparison
How this bank compares
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA0.30%9th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.33%Median 1.18%90th 2.13%Observations 1,247
ROE
FDIC
NETINC + ROE2.80%10th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 2.85%Median 11.08%90th 20.43%Observations 1,247
NIM
FDIC
NIM + NIMY4.18%66th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.92%Median 3.89%90th 4.91%Observations 1,247
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR89.07%9th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 47.24%Median 64.46%90th 87.12%Observations 1,247
Deposits YoY
FDIC
DEP+1.00%29th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −3.02%Median +3.60%90th +14.76%Observations 1,238
Loans YoY
FDIC
LNLSNET+9.55%72nd percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −3.89%Median +5.09%90th +18.61%Observations 1,230
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.62%39th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.39%90th 2.38%Observations 1,231
Leverage
FDIC
RBC1AAJ10.90%46th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.82%Median 11.12%90th 16.44%Observations 1,247
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM3.54%7th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.42%Median 2.26%90th 3.32%Observations 1,237
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBCToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 13%Median 92%90th 236%Observations 588
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA0.30%5th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.42%Median 1.07%90th 1.90%Observations 57
ROE
FDIC
NETINC + ROE2.80%5th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 4.64%Median 10.22%90th 17.27%Observations 57
NIM
FDIC
NIM + NIMY4.18%70th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.00%Median 3.91%90th 5.09%Observations 57
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR89.07%5th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 54.71%Median 65.39%90th 83.91%Observations 57
Deposits YoY
FDIC
DEP+1.00%29th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.17%Median +3.57%90th +18.25%Observations 57
Loans YoY
FDIC
LNLSNET+9.55%63rd percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th +0.53%Median +7.85%90th +21.45%Observations 57
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.62%59th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.06%Median 0.74%90th 2.07%Observations 57
Leverage
FDIC
RBC1AAJ10.90%43rd percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 9.64%Median 10.99%90th 14.24%Observations 57
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM3.54%2nd percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.58%Median 2.38%90th 3.09%Observations 57
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBCToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 30%Median 148%90th 272%Observations 22
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA0.30%0th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.45%Median 1.06%90th 2.50%Observations 14
ROE
FDIC
NETINC + ROE2.80%0th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 5.97%Median 9.43%90th 19.29%Observations 14
NIM
FDIC
NIM + NIMY4.18%62nd percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.12%Median 3.98%90th 5.46%Observations 14
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR89.07%0th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 49.68%Median 65.73%90th 83.53%Observations 14
Deposits YoY
FDIC
DEP+1.00%46th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −3.08%Median +1.15%90th +12.72%Observations 14
Loans YoY
FDIC
LNLSNET+9.55%85th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −1.72%Median +6.08%90th +13.07%Observations 14
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.62%69th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.06%Median 1.16%90th 4.77%Observations 14
Leverage
FDIC
RBC1AAJ10.90%15th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 10.69%Median 12.69%90th 16.37%Observations 14
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM3.54%0th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.48%Median 2.44%90th 3.11%Observations 14
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBCToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 12%Median 42%90th 86%Observations 5
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Branches & markets
Physical footprint
- Domestic offices
- 1 branch
- Headquarters
- Hattiesburg, MS
FDIC
OFFDOMOpen the Mississippi dashboard →History
Institution established
Filings
Q1 2026 Call Report
Q4 2025 Call Report
Q3 2025 Call Report
Q2 2025 Call Report
Public data, presented without a proprietary bank rating.FDIC source data