The Bank of Grain Valley
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Data as of · sourced from FFIEC call reports. How we update
The Bank of Grain Valley is an FDIC-insured commercial bank headquartered in Grain Valley, MO, established in 1905 (FDIC certificate 8564), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $110.6M, up 2.1% from Q2 2025, the 170th largest of 191 banks headquartered in Missouri. It reports no CET1 ratio; its Tier 1 leverage ratio was 23.96% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 8564
- Headquarters
- Grain Valley, MO
- Established
- 1905
- Total assets, Q2 2026
- $110.6M
- Assets vs Q2 2025
- +2.1%
- Tier 1 leverage ratio, Q2 2026
- 23.96%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 101210090
- Latest call report
- Q2 2026, FFIEC 051 · The Bank of Grain Valley call report
- Holding company
- GRAIN VALLEY BANCSHARES, INC.
- Asset rank in state
- 170th of 191 in Missouri
The Bank of Grain Valley, based in Grain Valley, Missouri, reported $111 million in assets at June 30, 2026, up 2.1% from a year earlier. It pays an average of 0.78% on its deposits and borrowings, about half the median of 1.80% for the 2,660 banks with $100 million to $1 billion in assets. It also funds 23.96% of its assets with Tier 1 capital, about double the median of 10.99% for banks its size.
As of June 30, 2026, The Bank of Grain Valley reported a return on assets of 2.20%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, The Bank of Grain Valley is the 170th largest of the 191 banks headquartered in Missouri. Between Q1 2026 and Q2 2026, its total assets rose 7.0% to $110.6M, loans fell 5.7% and deposits rose 8.6%. 1-4 family residential loans made up 41.6% of its total loans on June 30, 2026, its largest category; next came commercial and industrial loans at 17.9%. Its 2 offices in the FDIC Summary of Deposits are in Kansas City, MO and Grain Valley, MO; its Kansas City office books 72% of its branch deposits. By the capital ratios in its Q2 2026 call report, The Bank of Grain Valley meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 500 S Main St, Grain Valley, MO 64029
- County
- Jackson
- Metro Area
- Kansas City, MO-KS
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- May 11, 1905
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 15
- Domestic deposits
- $85.3M
- Allowance for credit losses
- $1.0M
- Net charge-offs (YTD)
- $0
- Average total assets
- $105.4M
- Average total loans
- $68.5M
- Average interest-bearing deposits
- $53.4M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 8564
- Fed RSSD
- 956554
- Website
- bankofgrainvalley.com →
- Parent Holding Company
- GRAIN VALLEY BANCSHARES, INC. (RSSD 2858942)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, The Bank of Grain Valley reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, The Bank of Grain Valley's total assets ran between $103.4M (Q1 2026) and $114.8M (Q3 2023), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$110.6M total assets against $108.4M; $85.6M total liabilities against $84.3M.
$65.8M net loans and leases against $66.1M; $85.3M total deposits against $84.0M.
$20.9M securities against $22.8M; $22.8M cash and balances due against $18.3M.
$1.4M total interest income against $1.4M; $158K total interest expense against $165K.
$1.2M net interest income against $1.2M.
$10K total noninterest income against $12K; $655K total noninterest expense against $624K.
$0 provision for credit losses against $0.
$579K net income against $587K.
2.20% return on assets against 2.16%; 4.73% net interest margin against 4.49%.
23.96% tier 1 leverage ratio against 22.56%.
Inside the full The Bank of Grain Valley terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe Bank of Grain Valley rankings
Its closest position to the top of a national ranking is 315 of 3,611, for ROA; its furthest is 3,630 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.98% (Q4 2025) to 2.33% (Q3 2025) and its net interest margin ran from 4.37% (Q1 2025) to 4.73% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 23.96% | 2.20% | 0.00% | 0.00% | 4.73% |
| Q1 2026 | 23.49% | 2.15% | 0.00% | 0.00% | 4.65% |
| Q4 2025 | 23.02% | 1.98% | 0.00% | 0.00% | 4.66% |
| Q3 2025 | 23.29% | 2.33% | 0.00% | 0.00% | 4.67% |
| Q2 2025 | 22.56% | 2.16% | 0.00% | 0.00% | 4.49% |
| Q1 2025 | 22.08% | 2.15% | 0.00% | 0.00% | 4.37% |
| Q4 2024 | 21.72% | 2.16% | 0.00% | 0.00% | 4.50% |
| Q3 2024 | 22.36% | 2.20% | 0.00% | 0.00% | 4.44% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| 40 Highway Banking Center Branch | Kansas City , MO | 64136 | $61.6M |
| The Bank of Grain Valley | Grain Valley , MO | 64029 | $23.7M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in MO, rank 207 of 249 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about The Bank of Grain Valley
What are The Bank of Grain Valley's total assets?
As of the Q2 2026 filing, The Bank of Grain Valley reported total assets of $110.6 million in its FFIEC call report.
Where is The Bank of Grain Valley headquartered?
It is headquartered in Grain Valley, MO, United States.
When was The Bank of Grain Valley founded?
It was established in 1905, per the FDIC institution directory.
Is The Bank of Grain Valley FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #8564). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Bank of Grain Valley?
The Bank of Grain Valley's primary federal regulator is the FDIC.
How many branches does The Bank of Grain Valley operate?
It 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 The Bank of Grain Valley's Texas Ratio?
Its Texas Ratio is 0.00% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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