The Bank of Grain Valley: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q3 2026 was in Securities to assets: 2.71 percentage points higher than in Q2 2026, at 21.62%. Within Missouri, The Bank of Grain Valley is 34th of 192 on return on assets, 2.12% as of Q3 2026, above the middle of the field. Against a median of 1.25% for banks in the $100M-1B asset tier, The Bank of Grain Valley reported 2.12% on return on assets in Q3 2026, 0.88 points higher; the peer median is as of Q2 2026.
Capital adequacy
| Line item | Q3 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 23.82% |
| Equity capital to assets | 22.99% |
| Tangible equity to tangible assets | 22.99% |
Asset quality
| Line item | Q3 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 1.52% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q3 2026 |
|---|---|
| Return on assets | 2.12% |
| Return on equity | 9.13% |
| Net interest margin | 4.67% |
| Efficiency ratio | 53.69% |
| Yield on earning assets | 5.26% |
| Cost of funds | 0.78% |
Liquidity and funding
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 78.71% |
| Core deposits to total deposits | 97.69% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 76.67% |
| Securities to assets | 21.62% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q4 2023 | 20.33% | 2.17% | 4.39% | 0.00% | 0.00% |
| Q1 2024 | 21.52% | 2.08% | 4.23% | 0.00% | 0.00% |
| Q2 2024 | 22.27% | 2.11% | 4.46% | 0.00% | 0.00% |
| Q3 2024 | 22.36% | 2.20% | 4.44% | 0.00% | 0.00% |
| Q4 2024 | 21.72% | 2.16% | 4.50% | 0.00% | 0.00% |
| Q1 2025 | 22.08% | 2.15% | 4.37% | 0.00% | 0.00% |
| Q2 2025 | 22.56% | 2.16% | 4.49% | 0.00% | 0.00% |
| Q3 2025 | 23.29% | 2.33% | 4.67% | 0.00% | 0.00% |
| Q4 2025 | 23.02% | 1.98% | 4.66% | 0.00% | 0.00% |
| Q1 2026 | 23.49% | 2.15% | 4.65% | 0.00% | 0.00% |
| Q2 2026 | 23.96% | 2.20% | 4.73% | 0.00% | 0.00% |
| Q3 2026 | 23.82% | 2.12% | 4.67% | 0.00% | 0.00% |
The Bank of Grain Valley vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Bank of Grain Valley, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full The Bank of Grain Valley profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8564) · FFIEC NIC profile (RSSD 956554)