Bank of Grandin
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Data as of · sourced from FFIEC call reports. How we update
Bank of Grandin is an FDIC-insured commercial bank headquartered in Grandin, MO, established in 1913 (FDIC certificate 9392), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $241.0M, up 5.3% from Q2 2025, the 114th largest of 191 banks headquartered in Missouri. It reports no CET1 ratio; its Tier 1 leverage ratio was 14.66% 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
- 9392
- Headquarters
- Grandin, MO
- Established
- 1913
- Total assets, Q2 2026
- $241.0M
- Assets vs Q2 2025
- +5.3%
- Tier 1 leverage ratio, Q2 2026
- 14.66%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 081513969
- Latest call report
- Q2 2026, FFIEC 051 · Bank of Grandin call report
- Asset rank in state
- 114th of 191 in Missouri
Bank of Grandin pays more for its money than most banks of its size. Based in Grandin, Missouri, it had $241 million in assets at June 30, 2026, up 5.3% from a year earlier. It pays an average of 2.86% on its deposits and borrowings, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 1.80%). It also carries problem assets equal to 13.5% of the capital and reserves that would absorb them, 5.1 times the median of 2.6% for banks its size.
Earnings jumped: net income for the quarter was $1.2 million, 38% above the same quarter a year earlier. Over the same year, loans grew 16.2% and deposits grew 5.1%. One more trend to watch: the commercial and industrial book ($31 million) is worsening: 4.54% of it is past due or on nonaccrual, up from 3.82% a year earlier.
As of June 30, 2026, Bank of Grandin reported a return on assets of 2.02%, a nonperforming-loan ratio of 2.88% and a Texas ratio of 13.52%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Bank of Grandin is the 114th largest of the 191 banks headquartered in Missouri. Between Q1 2026 and Q2 2026, its total assets rose 3.5% to $241.0M, loans rose 3.3% and deposits rose 3.6%. The largest part of its loan book on June 30, 2026 was owner-occupied commercial real estate loans, at 24.7% of total loans, ahead of commercial and industrial loans at 18.9%. The FDIC Summary of Deposits lists 5 offices for it, in 5 cities in MO; its Doniphan office books 42% of its branch deposits. Judged on its Q2 2026 call report, Bank of Grandin meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 403 W 5th St, Grandin, MO 63943
- County
- Carter
- 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 8, St. Louis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 13, 1913
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 34
- Domestic deposits
- $205.1M
- Allowance for credit losses
- $1.6M
- Net charge-offs (YTD)
- $115K
- Average total assets
- $236.0M
- Average total loans
- $161.3M
- Average interest-bearing deposits
- $170.4M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 9392
- Fed RSSD
- 1351
- Website
- www.bankofgrandin.net →
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, Bank of Grandin reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Bank of Grandin's total assets ranged from $210.4M (Q3 2023) to $241.0M (Q2 2026), 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
$241.0M total assets against $228.9M; $206.5M total liabilities against $196.6M.
$162.2M net loans and leases against $139.5M; $205.1M total deposits against $195.2M.
$59.0M securities against $74.1M; $12.7M cash and balances due against $8.2M.
$3.7M total interest income against $3.3M; $1.4M total interest expense against $1.4M.
$2.3M net interest income against $1.9M.
$246K total noninterest income against $151K; $1.2M total noninterest expense against $1.1M.
$130K provision for credit losses against $75K.
$1.2M net income against $865K.
2.02% return on assets against 1.51%; 4.07% net interest margin against 3.51%.
14.66% tier 1 leverage ratio against 14.16%.
Inside the full Bank of Grandin terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeBank of Grandin rankings
Its closest position to the top of a national ranking is 378 of 3,640, for Texas Ratio; its furthest is 2,754 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.74% (Q3 2024) to 2.02% (Q2 2026) and its net interest margin ran from 2.78% (Q3 2024) to 4.07% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.66% | 2.02% | 2.88% | 13.52% | 4.07% |
| Q1 2026 | 14.50% | 1.59% | 3.26% | 14.97% | 3.83% |
| Q4 2025 | 14.22% | 1.70% | 3.13% | 13.88% | 3.87% |
| Q3 2025 | 14.24% | 1.68% | 2.88% | 12.66% | 3.71% |
| Q2 2025 | 14.16% | 1.51% | 2.72% | 12.08% | 3.51% |
| Q1 2025 | 14.27% | 1.50% | 3.06% | 13.25% | 3.54% |
| Q4 2024 | 14.14% | 1.22% | 2.45% | 10.11% | 3.11% |
| Q3 2024 | 14.26% | 0.74% | 2.12% | 9.27% | 2.78% |
Swipe the table sideways to see every column.
Branch Network
View all 5 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 |
|---|---|---|---|
| Doniphan Facility | Doniphan , MO | 63935 | $86.7M |
| Bank of Grandin (main office) | Grandin , MO | 63943 | $42.3M |
| Ellsinore Branch | Ellsinore , MO | 63937 | $34.8M |
| Van Buren Branch | Van Buren , MO | 63965 | $22.4M |
| Harviell Branch | Harviell , MO | 63945 | $18.9M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in MO, rank 141 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 Bank of Grandin
What are Bank of Grandin's total assets?
As of the Q2 2026 filing, Bank of Grandin reported total assets of $241.0 million in its FFIEC call report.
Where is Bank of Grandin headquartered?
It is headquartered in Grandin, MO, United States.
When was Bank of Grandin founded?
It was established in 1913, per the FDIC institution directory.
Is Bank of Grandin FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #9392). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bank of Grandin?
Bank of Grandin's primary federal regulator is the FDIC.
How many branches does Bank of Grandin operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Bank of Grandin's Texas Ratio?
Its Texas Ratio is 13.52% 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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