Bank Comparison
Grand Rivers Community Bank vs BMO Harris Central N.A.
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
6 · 10
winning metrics across 16 comparable rows
Capital adequacy
| Metric | Grand Rivers Community Bank | BMO Harris Central N.A. |
|---|---|---|
| CET1 Ratio | 10.82% | — |
| Tier 1 Capital Ratio | 10.82% | — |
| Total Capital Ratio | 12.10% | — |
| Tier 1 Leverage Ratio | 8.37% | 87.40% |
| Equity / Assets | 8.76% | 87.35% |
Profitability
| Metric | Grand Rivers Community Bank | BMO Harris Central N.A. |
|---|---|---|
| Return on Assets (ROA) | -3.32% | 0.58% |
| Return on Equity (ROE) | -37.92% | 0.67% |
| Net Interest Margin (NIM) | 4.26% | 4.52% |
| Yield on Earning Assets | 5.32% | 4.52% |
| Cost of Funds | 1.09% | 0.00% |
Asset quality
| Metric | Grand Rivers Community Bank | BMO Harris Central N.A. |
|---|---|---|
| Texas Ratio | 112.57% | 0.00% |
| Non-Performing Loan Ratio | 17.29% | — |
| Non-Performing Asset Ratio | 12.73% | 0.00% |
| Net Charge-Off Ratio | 0.00% | — |
| ACL / Loans | 4.93% | — |
Balance sheet
| Metric | Grand Rivers Community Bank | BMO Harris Central N.A. |
|---|---|---|
| Total Assets | $15,141K | $8,213K |
| Total Deposits | $13,477K | $1,000K |
| Total Loans | $11,154K | $0 |
| Total Equity | $1,327K | $7,174K |
| Net Income (quarter) | $-132 | $12 |
Liquidity & funding
| Metric | Grand Rivers Community Bank | BMO Harris Central N.A. |
|---|---|---|
| Loan-to-Deposit Ratio | 82.76% | 0.00% |
| Core Deposit Ratio | 100.00% | 100.00% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Grand Rivers Community Bank | BMO Harris Central N.A. |
|---|---|---|
| Headquarters City | GRAND CHAIN | ROSELLE |
| Headquarters State | IL | IL |
| Asset Tier | Micro | Micro |
| Charter Class | 0 | 24536 |
| Regulator | FDIC | OCC |
| Domestic Branches | 2 | 1 |
| Employees (FTE) | 7 | 0 |
| Established | Jan. 1, 1902, midnight | May 28, 2005, 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.
View full Grand Rivers Community Bank profile | View full BMO Harris Central N.A. profile | Browse all bank comparisons