Bank of Grandin: 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 Reserve coverage of non-performing loans: 3.44 percentage points higher than in Q2 2026, at 23.92%. Bank of Grandin ranks 38th of 192 Missouri banks on return on assets, in the upper half at 2.02% (Q3 2026). Bank of Grandin reported 1.69% on return on assets for Q3 2026, 0.44 points above the 1.25% median for banks in the $100M-1B asset tier; 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 | 14.53% |
| Equity capital to assets | 14.54% |
| Tangible equity to tangible assets | 14.54% |
Asset quality
| Line item | Q3 2026 |
|---|---|
| Non-performing loans to loans | 4.03% |
| Non-performing assets ratio | 3.00% |
| Net charge-off ratio | 0.34% |
| Texas ratio | 23.91% |
| Allowance for credit losses to loans | 0.96% |
| Reserve coverage of non-performing loans | 23.92% |
Earnings
| Line item | Q3 2026 |
|---|---|
| Return on assets | 1.69% |
| Return on equity | 11.77% |
| Net interest margin | 4.09% |
| Efficiency ratio | 52.53% |
| Yield on earning assets | 6.67% |
| Cost of funds | 2.92% |
Liquidity and funding
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 80.61% |
| Core deposits to total deposits | 82.13% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 84.81% |
| Securities to assets | 23.90% |
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 | 14.47% | 0.70% | 2.72% | 1.97% | 0.25% |
| Q1 2024 | 14.42% | 1.00% | 2.91% | 3.18% | 0.16% |
| Q2 2024 | 14.49% | 1.08% | 2.97% | 2.63% | 0.18% |
| Q3 2024 | 14.26% | 0.74% | 2.78% | 3.82% | 0.01% |
| Q4 2024 | 14.14% | 1.22% | 3.11% | 4.17% | 0.36% |
| Q1 2025 | 14.27% | 1.50% | 3.54% | 4.69% | -0.20% |
| Q2 2025 | 14.16% | 1.51% | 3.51% | 4.85% | 0.24% |
| Q3 2025 | 14.24% | 1.68% | 3.71% | 4.51% | 0.03% |
| Q4 2025 | 14.22% | 1.70% | 3.87% | 5.08% | 0.38% |
| Q1 2026 | 14.50% | 1.59% | 3.83% | 5.69% | 0.19% |
| Q2 2026 | 14.66% | 2.02% | 4.07% | 4.64% | 0.10% |
| Q3 2026 | 14.53% | 1.69% | 4.09% | 4.03% | 0.34% |
Bank of Grandin vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Grandin, 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 Bank of Grandin profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9392) · FFIEC NIC profile (RSSD 1351)