GRUNDY BANK

MORRIS, IL | Small | Est. Sept. 16, 1864, midnight | FDIC #3713 | RSSD #715144 | FED
Latest Report: 2025-12-31

GRUNDY BANK is asn small FDIC-insured commercial bank headquartered in MORRIS, IL, established in Sept. 16, 1864, midnight. As of 2025-12-31, the bank reported total assets of $372M and total deposits of $318M. Profitability stands at 2.87% ROA and 22.16% ROE, with a net interest margin of 5.21%. The bank's CET1 capital ratio is 20.46%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #3713.

Assets

$372M

Deposits

$318M

Loans

$265M

Equity

$52M

Profitability

Return on Assets (ROA) 2.87%
Return on Equity (ROE) 22.16%
Net Interest Margin (NIM) 5.21%
Yield on Assets 6.03%
Cost of Funds 0.87%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.03%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 1.14%

Capital & Liquidity

CET1 Ratio 20.46%
Tier 1 Capital 20.46%
Total Capital Ratio 21.71%
Leverage Ratio 12.89%
Loan-to-Deposit 83.15%

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