GRAND RIVERS COMMUNITY BANK

GRAND CHAIN, IL | Micro | Est. Jan. 1, 1902, midnight | FDIC #10816 | RSSD #226949 | FDIC
Latest Report: 2025-12-31

GRAND RIVERS COMMUNITY BANK is amn micro FDIC-insured commercial bank headquartered in GRAND CHAIN, IL, established in Jan. 1, 1902, midnight. As of 2025-12-31, the bank reported total assets of $17M and total deposits of $15M. Profitability stands at -2.54% ROA and -28.58% ROE, with a net interest margin of 4.52%. The bank's CET1 capital ratio is 10.16%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 15.94% and a Texas Ratio of 96.17%. FDIC Certificate #10816.

Assets

$17M

Deposits

$15M

Loans

$12M

Equity

$1M

Profitability

Return on Assets (ROA) -2.54%
Return on Equity (ROE) -28.58%
Net Interest Margin (NIM) 4.52%
Yield on Assets 5.70%
Cost of Funds 1.66%

Asset Quality

NPL Ratio 15.94%
Net Charge-Off Ratio --
Texas Ratio 96.17%
NPA Ratio 11.66%
ACL / Loans 4.54%

Capital & Liquidity

CET1 Ratio 10.16%
Tier 1 Capital 10.16%
Total Capital Ratio 11.43%
Leverage Ratio 8.58%
Loan-to-Deposit 82.05%

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