GRAND RIDGE NATIONAL BANK

WHEATON, IL | Small | Est. April 6, 1903, midnight | FDIC #3674 | RSSD #875132 | OCC
Latest Report: 2025-12-31

GRAND RIDGE NATIONAL BANK is asn small FDIC-insured commercial bank headquartered in WHEATON, IL, established in April 6, 1903, midnight. As of 2025-12-31, the bank reported total assets of $447M and total deposits of $387M. Profitability stands at 1.37% ROA and 11.05% ROE, with a net interest margin of 5.34%. The bank's CET1 capital ratio is 12.36%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.35% and a Texas Ratio of 1.94%. FDIC Certificate #3674.

Assets

$447M

Deposits

$387M

Loans

$330M

Equity

$57M

Profitability

Return on Assets (ROA) 1.37%
Return on Equity (ROE) 11.05%
Net Interest Margin (NIM) 5.34%
Yield on Assets 7.55%
Cost of Funds 2.34%

Asset Quality

NPL Ratio 0.35%
Net Charge-Off Ratio 0.11%
Texas Ratio 1.94%
NPA Ratio 0.26%
ACL / Loans 1.06%

Capital & Liquidity

CET1 Ratio 12.36%
Tier 1 Capital 12.36%
Total Capital Ratio 12.97%
Leverage Ratio 12.37%
Loan-to-Deposit 85.14%

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