BANK OF GRANDIN

GRANDIN, MO | Small | Est. Jan. 13, 1913, midnight | FDIC #9392 | RSSD #1351 | FDIC
Latest Report: 2025-12-31

BANK OF GRANDIN is asn small FDIC-insured commercial bank headquartered in GRANDIN, MO, established in Jan. 13, 1913, midnight. As of 2025-12-31, the bank reported total assets of $235M and total deposits of $200M. Profitability stands at 1.71% ROA and 12.06% ROE, with a net interest margin of 3.99%. The bank's CET1 capital ratio is 14.16%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 2.26% and a Texas Ratio of 10.10%. FDIC Certificate #9392.

Assets

$235M

Deposits

$200M

Loans

$150M

Equity

$33M

Profitability

Return on Assets (ROA) 1.71%
Return on Equity (ROE) 12.06%
Net Interest Margin (NIM) 3.99%
Yield on Assets 6.75%
Cost of Funds 2.98%

Asset Quality

NPL Ratio 2.26%
Net Charge-Off Ratio 0.11%
Texas Ratio 10.10%
NPA Ratio 1.49%
ACL / Loans 0.97%

Capital & Liquidity

CET1 Ratio 14.16%
Tier 1 Capital 14.16%
Total Capital Ratio 14.87%
Leverage Ratio 14.22%
Loan-to-Deposit 74.96%

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