Total Assets
$277M
Total balance-sheet footings
FDIC Cert #31864 · Hattiesburg, Mississippi · Est. 1968
Grand Bank for Savings, FSB - FDIC Bank Health Profile
A community-scale look at Grand Bank for Savings, FSB's own numbers, pulled straight from its quarterly FDIC Call Report.
- $277M
- Total assets
- C
- Health grade · Fair
- 0.48%
- Return on assets
- 10.7%
- Tier 1 capital
Data updated July 2026
The verdict
Grand Bank for Savings, FSB earns a PlainBankData health grade of C (55/100), with well-capitalized at 10.73% Tier 1, 0.48% ROA, 88% efficiency ratio.
- #2,606
- largest of 4,313 FDIC banks by assets
- 40th
- percentile by asset size, nationally
- 10.73%
- Tier 1 ratio - above the 10% well-capitalized line
- 15th
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How Grand Bank for Savings, FSB's 55/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Grand Bank for Savings, FSB's composite health score
Tier 1 Capital Ratio (10.73%) 28/40
Return on Assets (ROA) (0.48%) 7/25
Texas Ratio (4.43%) 20/20
Efficiency Ratio (87.56%) 0/15
55 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$245M
Customer-funded liabilities
Net Loans
$189M
Outstanding loan book
Net Income
$1M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Grand Bank for Savings, FSB ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Grand Bank for Savings, FSB's score of 55/100 falls in the highlighted band.
Grand Bank for Savings, FSB's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Grand Bank for Savings, FSB's $277M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
10.73% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
10.73%
Texas Ratio
4.43%
Equity Capital
$30M
Profitability metrics
Return on Assets (ROA)
15th percentile nationally
0.48%
Return on Equity (ROE)
5.05%
Efficiency Ratio
87.56%
What the numbers say about Grand Bank for Savings, FSB
Grand Bank for Savings, FSB is an FDIC-insured institution (Certificate #31864) headquartered in Hattiesburg, Mississippi, established in 1968. It holds $277M in total assets - 2,606th of 4,313 FDIC-insured banks, $245M in customer deposits, and $189M in net loans. Capital-wise, the Tier 1 ratio sits at 10.73%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 4.43%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of C (55 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Grand Bank for Savings, FSB sits 43rd of 57 banks headquartered in Mississippi by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$20M
Interest Income
$462K
Non-Interest Income
$10M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Grand Bank for Savings, FSB reports a Texas Ratio of 4.43% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
4.43% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Mississippi by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Grand Bank for Savings, FSB (FDIC Cert #31864) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Mississippi
All Mississippi banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Hancock Whitney BankGulfport | $35.5B | A | 1.41% |
| Renasant BankTupelo | $26.7B | B | 0.89% |
| Trustmark BankJackson | $18.9B | B | 1.26% |
| BankPlusBelzoni | $8.1B | B | 1.14% |
| Community Bank of MississippiFlowood | $5.0B | B | 0.89% |
| BankFirst Financial ServicesColumbus | $3.3B | B | 1.04% |
| Guaranty Bank and Trust CompanyBelzoni | $2.9B | B | 1.10% |
| Planters Bank & Trust CompanyIndianola | $2.1B | A | 0.84% |
Frequently asked questions
What is Grand Bank for Savings, FSB's health grade?▼
Grand Bank for Savings, FSB receives a health grade of C (55/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is Grand Bank for Savings, FSB?▼
Grand Bank for Savings, FSB holds $277M in total assets and $245M in deposits, ranking 2,606th of 4,313 FDIC-insured banks by asset size. It is headquartered in Hattiesburg, Mississippi.
Is my money safe at Grand Bank for Savings, FSB?▼
Yes, deposits at Grand Bank for Savings, FSB (Certificate #31864) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Grand Bank for Savings, FSB's Tier 1 Capital Ratio?▼
Grand Bank for Savings, FSB has a Tier 1 Capital Ratio of 10.73%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Grand Bank for Savings, FSB?▼
Grand Bank for Savings, FSB has a Texas Ratio of 4.43%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Grand Bank for Savings, FSB?▼
Grand Bank for Savings, FSB has an Efficiency Ratio of 87.56%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Grand Bank for Savings, FSB's profile as a depositor or analyst.
- Grand Bank for Savings, FSB's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Grand Bank for Savings, FSB against other Mississippi banks before moving funds. Mississippi banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.