Bank Comparison
Grundy Bank vs Peoples Bank of Kankakee County
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
18 · 4
winning metrics across 22 comparable rows
Capital adequacy
| Metric | Grundy Bank | Peoples Bank of Kankakee County |
|---|---|---|
| CET1 Ratio | 22.07% | 13.56% |
| Tier 1 Capital Ratio | 22.07% | 13.56% |
| Total Capital Ratio | 23.32% | 14.53% |
| Tier 1 Leverage Ratio | 13.53% | 7.79% |
| Equity / Assets | 14.19% | 5.96% |
Profitability
| Metric | Grundy Bank | Peoples Bank of Kankakee County |
|---|---|---|
| Return on Assets (ROA) | 3.38% | 0.90% |
| Return on Equity (ROE) | 23.65% | 15.22% |
| Net Interest Margin (NIM) | 4.98% | 3.11% |
| Yield on Earning Assets | 5.63% | 4.66% |
| Cost of Funds | 0.73% | 1.41% |
Asset quality
| Metric | Grundy Bank | Peoples Bank of Kankakee County |
|---|---|---|
| Texas Ratio | 0.24% | 0.14% |
| Non-Performing Loan Ratio | 0.05% | 0.02% |
| Non-Performing Asset Ratio | 0.03% | 0.01% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 1.15% | 1.30% |
Balance sheet
| Metric | Grundy Bank | Peoples Bank of Kankakee County |
|---|---|---|
| Total Assets | $374,740K | $372,207K |
| Total Deposits | $319,722K | $314,897K |
| Total Loans | $252,617K | $160,047K |
| Total Equity | $53,186K | $22,181K |
| Net Income (quarter) | $3,116K | $841 |
Liquidity & funding
| Metric | Grundy Bank | Peoples Bank of Kankakee County |
|---|---|---|
| Loan-to-Deposit Ratio | 79.01% | 50.83% |
| Core Deposit Ratio | 99.22% | 93.51% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Grundy Bank | Peoples Bank of Kankakee County |
|---|---|---|
| Headquarters City | MORRIS | BOURBONNAIS |
| Headquarters State | IL | IL |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FED | FDIC |
| Domestic Branches | 4 | 3 |
| Employees (FTE) | 65 | 61 |
| Established | Sept. 16, 1864, midnight | June 20, 1962, 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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