GRAND RIVER BANK

GRANDVILLE, MI | Medium | Est. April 30, 2009, midnight | FDIC #58789 | RSSD #3812147 | FED
Latest Report: 2025-12-31

GRAND RIVER BANK is amn medium FDIC-insured commercial bank headquartered in GRANDVILLE, MI, established in April 30, 2009, midnight. As of 2025-12-31, the bank reported total assets of $516M and total deposits of $446M. Profitability stands at 0.49% ROA and 5.15% ROE, with a net interest margin of 3.03%. The bank's CET1 capital ratio is 11.98%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.20% and a Texas Ratio of 1.68%. FDIC Certificate #58789.

Assets

$516M

Deposits

$446M

Loans

$446M

Equity

$49M

Profitability

Return on Assets (ROA) 0.49%
Return on Equity (ROE) 5.15%
Net Interest Margin (NIM) 3.03%
Yield on Assets 5.66%
Cost of Funds 2.69%

Asset Quality

NPL Ratio 0.20%
Net Charge-Off Ratio 0.00%
Texas Ratio 1.68%
NPA Ratio 0.18%
ACL / Loans 1.12%

Capital & Liquidity

CET1 Ratio 11.98%
Tier 1 Capital 11.98%
Total Capital Ratio 13.21%
Leverage Ratio 9.43%
Loan-to-Deposit 99.99%

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