Grand Ridge National Bank
BankRegReports is independent of Grand Ridge National Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Grand Ridge National Bank is an FDIC-insured commercial bank headquartered in Wheaton, IL, established in 1903 (FDIC certificate 3674), and it is supervised by the OCC. At Q2 2026 it reported total assets of $443.3M, up 5.0% from Q2 2025, the 111th largest of 319 banks headquartered in Illinois. It reports no CET1 ratio; its Tier 1 leverage ratio was 13.77% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 3674
- Headquarters
- Wheaton, IL
- Established
- 1903
- Total assets, Q2 2026
- $443.3M
- Assets vs Q2 2025
- +5.0%
- Tier 1 leverage ratio, Q2 2026
- 13.77%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 071913278
- Latest call report
- Q2 2026, FFIEC 051 · Grand Ridge National Bank call report
- Holding company
- PREMIER COMMERCE BANCORP, INC.
- Asset rank in state
- 111th of 319 in Illinois
Problem loans are rising at Grand Ridge National Bank. Its balance sheet stood at $443 million at June 30, 2026, up 5.0% from a year earlier; it is based in Wheaton, Illinois. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.76% of loans from 0.41% a year earlier. It keeps 5.48 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). On the other hand, it holds commercial real estate loans worth 2.4 times its capital, about double the median of 1.2 times for banks its size.
Delinquency has appeared in its $124 million non-owner-occupied commercial real estate book: 2.06% of those loans are past due or on nonaccrual, against almost none a year earlier. Net income for the quarter rose 28% from a year earlier, to $2.0 million. Funding is the softer spot: it pays an average of 2.23% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.80%).
As of June 30, 2026, Grand Ridge National Bank reported a return on assets of 1.84%, a nonperforming-loan ratio of 0.76% and a Texas ratio of 4.04%. The figures come from its call report filed with the FFIEC.
Grand Ridge National Bank ranks as the 111th largest of the 319 banks based in Illinois, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 3.7% to $443.3M, loans rose 1.7% and deposits rose 3.8%. The largest part of its loan book on June 30, 2026 was owner-occupied commercial real estate loans, at 42.4% of total loans, ahead of non-owner-occupied commercial real estate loans at 36.9%. The FDIC Summary of Deposits lists 2 offices for it, in Wheaton, IL and Grand Ridge, IL; its Wheaton office books 89% of its branch deposits. By the capital ratios in its Q2 2026 call report, Grand Ridge National Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 500 S County Farm Rd, Wheaton, IL 60187
- County
- Dupage
- Metro Area
- Chicago-Naperville-Elgin, IL-IN
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- April 6, 1903
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 36
- Domestic deposits
- $379.4M
- Allowance for credit losses
- $3.6M
- Net charge-offs (YTD)
- $0
- Average total assets
- $433.5M
- Average total loans
- $336.8M
- Average interest-bearing deposits
- $275.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 3674
- Fed RSSD
- 875132
- SEC CIK
- 1477050 → filed by PREMIER COMMERCE BANCORP, INC.
- Website
- www.GRNbank.com →
- Parent Holding Company
- PREMIER COMMERCE BANCORP, INC. (RSSD 4087830)
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, Grand Ridge National Bank 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, Grand Ridge National Bank's total assets ranged from $338.4M (Q3 2023) to $457.3M (Q3 2025), 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
$443.3M total assets against $422.3M; $382.7M total liabilities against $368.5M.
$333.8M net loans and leases against $306.1M; $379.4M total deposits against $365.9M.
$64K securities against $80K; $102.3M cash and balances due against $109.4M.
$7.9M total interest income against $7.3M; $2.1M total interest expense against $2.2M.
$5.9M net interest income against $5.1M.
$127K total noninterest income against $144K; $3.1M total noninterest expense against $3.0M.
$50K provision for credit losses against $0.
$2.0M net income against $1.6M.
1.84% return on assets against 1.52%; 5.48% net interest margin against 5.04%.
13.77% tier 1 leverage ratio against 12.88%.
Inside the full Grand Ridge National Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Grand Ridge National Bank rankings
Its closest position to the top of a national ranking is 690 of 3,611, for ROA; its furthest is 1,928 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.37% (Q4 2025) to 1.84% (Q2 2026) and its net interest margin ran from 4.98% (Q4 2025) to 5.51% (Q4 2024).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.77% | 1.84% | 0.76% | 4.04% | 5.48% |
| Q1 2026 | 13.53% | 1.67% | 0.56% | 3.03% | 5.30% |
| Q4 2025 | 12.37% | 1.37% | 0.35% | 1.97% | 4.98% |
| Q3 2025 | 12.36% | 1.39% | 0.42% | 2.43% | 5.03% |
| Q2 2025 | 12.88% | 1.52% | 0.41% | 2.26% | 5.04% |
| Q1 2025 | 13.31% | 1.55% | 0.29% | 0.16% | 5.03% |
| Q4 2024 | 13.21% | 1.66% | 0.00% | 0.00% | 5.51% |
| Q3 2024 | 13.25% | 1.42% | 0.14% | 0.83% | 4.99% |
Swipe the table sideways to see every column.
Branch Network
View all 2 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 |
|---|---|---|---|
| Grand Ridge National Bank (main office) | Wheaton , IL | 60187 | $338.9M |
| Grand Ridge Branch | Grand Ridge , IL | 61325 | $40.5M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| February 1, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 1, 2015 | Structure Change | Acquired Winfield Community Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IL, rank 133 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $292K approved, $292K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows Grand Ridge National Bank’s latest filed figures and updates each quarter.
Similar banks
Compare Grand Ridge National Bank with peers
Frequently asked about Grand Ridge National Bank
What are Grand Ridge National Bank's total assets?
As of the Q2 2026 filing, Grand Ridge National Bank reported total assets of $443.3 million in its FFIEC call report.
Where is Grand Ridge National Bank headquartered?
It is headquartered in Wheaton, IL, United States.
When was Grand Ridge National Bank founded?
It was established in 1903, per the FDIC institution directory.
Is Grand Ridge National Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #3674). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Grand Ridge National Bank?
Grand Ridge National Bank's primary federal regulator is the OCC.
How many branches does Grand Ridge National Bank operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Grand Ridge National Bank's Texas Ratio?
Its Texas Ratio is 4.04% 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.
Go deeper on Grand Ridge National Bank.
Get an email when Grand Ridge National Bank files its next call report, and benchmark it against any peer you choose.
Unlock Grand Ridge National Bank, freeFree account