Bank Comparison
First National Bank of Brookfield vs Grand Ridge National Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
9 · 11
winning metrics across 20 comparable rows
Capital adequacy
| Metric | First National Bank of Brookfield | Grand Ridge National Bank |
|---|---|---|
| CET1 Ratio | 12.97% | — |
| Tier 1 Capital Ratio | 12.97% | — |
| Total Capital Ratio | 14.22% | — |
| Tier 1 Leverage Ratio | 12.63% | 13.53% |
| Equity / Assets | 12.55% | 13.71% |
Profitability
| Metric | First National Bank of Brookfield | Grand Ridge National Bank |
|---|---|---|
| Return on Assets (ROA) | 1.62% | 1.67% |
| Return on Equity (ROE) | 12.89% | 12.31% |
| Net Interest Margin (NIM) | 4.13% | 5.30% |
| Yield on Earning Assets | 6.32% | 7.24% |
| Cost of Funds | 2.51% | 2.16% |
Asset quality
| Metric | First National Bank of Brookfield | Grand Ridge National Bank |
|---|---|---|
| Texas Ratio | 0.00% | 3.03% |
| Non-Performing Loan Ratio | 0.00% | 0.56% |
| Non-Performing Asset Ratio | 0.00% | 0.43% |
| Net Charge-Off Ratio | 0.01% | -0.02% |
| ACL / Loans | 1.55% | 1.07% |
Balance sheet
| Metric | First National Bank of Brookfield | Grand Ridge National Bank |
|---|---|---|
| Total Assets | $427,997K | $427,470K |
| Total Deposits | $339,797K | $365,687K |
| Total Loans | $386,612K | $331,756K |
| Total Equity | $53,712K | $58,610K |
| Net Income (quarter) | $1,703K | $1,777K |
Liquidity & funding
| Metric | First National Bank of Brookfield | Grand Ridge National Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 113.78% | 90.72% |
| Core Deposit Ratio | 90.61% | 86.25% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First National Bank of Brookfield | Grand Ridge National Bank |
|---|---|---|
| Headquarters City | BROOKFIELD | WHEATON |
| Headquarters State | IL | IL |
| Asset Tier | Small | Small |
| Charter Class | 14993 | 6684 |
| Regulator | OCC | OCC |
| Domestic Branches | 1 | 2 |
| Employees (FTE) | 40 | 38 |
| Established | July 23, 1962, midnight | April 6, 1903, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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