Grand Rivers Community Bank: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Grand Rivers Community Bank spends more to run itself than most banks of its size. Its balance sheet stood at $15 million at June 30, 2026, down 14.3% from a year earlier; it is based in Grand Chain, Illinois. It loses about $3.42 a year on every $100 of assets, lower than about 9 in 10 of the 583 banks with less than $100 million in assets (median $1.06). It also spends about 166 cents to bring in each dollar of revenue, 2.4 times the median of 69 cents for banks its size.
Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 15.59% of loans, down from 16.50% a year earlier. It lost $131,000 in the quarter. Where it has less room is capital: it holds common equity equal to 10.50% of its risk-weighted assets, about half the median of 22.08% for banks its size.
As of June 30, 2026, Grand Rivers Community Bank reported a CET1 capital ratio of 10.50%, a return on assets of -3.42%, a nonperforming-loan ratio of 15.59% and a Texas ratio of 117.31%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 260 S Main St, Grand Chain, IL 62941
- County
- Pulaski
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- January 1, 1902
- Offices
- 2 domestic
- Employees (FTE)
- 7
- Domestic deposits
- $13.5M
- Allowance for credit losses
- $152K
- Net charge-offs (YTD)
- $0
- Average total assets
- $15.3M
- Average total loans
- $10.5M
- Average interest-bearing deposits
- $10.5M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 10816
- Fed RSSD
- 226949
- SEC CIK
- 1708790 → filed by MAIN STREET BANCSHARES, INCORPORATED
- Parent Holding Company
- MAIN STREET BANCSHARES, INCORPORATED (RSSD 4625595)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD. The UBPR's YTD ROA divides by the average of the quarterly average assets the bank reports on Schedule RC-K, while FDIC BankFind divides by the average of quarter-end total assets, so FDIC's ROA can differ from the YTD figure by a few hundredths of a point.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Grand Rivers Community Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Grand Rivers Community Bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
A Texas Ratio above 100% means non-performing assets exceed the bank's capital and reserves. Historically correlates with elevated failure risk per the 1980s Texas banking crisis from which the ratio was named. Analyst heuristic (Cassidy/RBC), not a supervisory threshold.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
Grand Rivers Community Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.50% | -3.42% | 15.59% | 117.31% | 4.32% |
| Q1 2026 | 10.65% | -3.33% | 15.55% | 116.52% | 4.39% |
| Q4 2025 | 10.02% | -3.72% | 12.71% | 95.06% | 4.44% |
| Q3 2025 | 11.38% | -2.46% | 15.60% | 93.81% | 3.92% |
| Q2 2025 | 11.14% | -2.57% | 16.50% | 92.73% | 4.21% |
| Q1 2025 | 12.13% | -1.30% | 9.92% | 56.30% | 4.31% |
| Q4 2024 | 11.72% | -0.68% | 4.01% | 22.75% | 5.23% |
| Q3 2024 | 10.56% | -0.72% | 7.75% | 48.14% | 5.01% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 2 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Karnak Branch | Karnak , IL | 62956 | $8.4M |
| Grand Rivers Community Bank (main office) | Grand Chain , IL | 62941 | $5.0M |
Regulatory record
What the public regulatory sources show for Grand Rivers Community Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in IL, rank 375 of 383 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $275K approved, $275K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2009 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Grand Rivers Community Bank
What are Grand Rivers Community Bank's total assets?
As of the Q2 2026 filing, Grand Rivers Community Bank reported total assets of $15.1 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Grand Rivers Community Bank headquartered?
Grand Rivers Community Bank is headquartered in Grand Chain, IL, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Grand Rivers Community Bank founded?
Grand Rivers Community Bank was established in 1902, per the FDIC institution directory.
Is Grand Rivers Community Bank FDIC-insured?
Yes. Grand Rivers Community Bank is an FDIC-insured commercial bank (FDIC Certificate #10816). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Grand Rivers Community Bank?
Grand Rivers Community Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Grand Rivers Community Bank's CET1 capital ratio?
Grand Rivers Community Bank reported a Common Equity Tier 1 (CET1) capital ratio of 10.50% in its Q2 2026 call report, above regulatory requirements.
How many branches does Grand Rivers Community Bank operate?
Grand Rivers Community Bank operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Grand Rivers Community Bank's Texas Ratio?
Grand Rivers Community Bank's Texas Ratio is 117.31% in its Q2 2026 call report, elevated; historically a Texas Ratio above 100% correlates with elevated failure risk. The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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