Grand Ridge National Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Grand Ridge National Bank of Wheaton, IL against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.84% | 1.34% | +0.50% | 80th top |
| ROAE | 13.37% | 13.31% | +0.06% | 56th above |
| Net Interest Margin | 5.48% | 3.93% | +1.55% | 97th top |
| Efficiency Ratio | 51.71% | 61.14% | -9.43% | 77th top |
| PPNR / Avg Assets | 2.67% | 1.68% | +0.99% | 92nd top |
| Yield on Earning Assets | 7.41% | 5.67% | +1.74% | 97th top |
| Cost of Funds | 2.23% | 1.88% | +0.35% | 25th below |
| Net Interest Spread | 4.43% | 3.32% | +1.11% | 93rd top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.31% | 0.94% | -0.63% | 57th above |
| NPA / Total Assets | 0.23% | 0.70% | -0.47% | 57th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.02% | 0.16% | -0.14% | 36th below |
| ACL / Total Loans | 1.07% | 1.28% | -0.21% | 34th below |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 346.78% | 1539.23% | -1192.45% | 63rd above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 4.04% | 7.33% | -3.29% | 47th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 13.77% | 12.14% | +1.63% | 80th top |
| Equity / Assets | 13.67% | 11.37% | +2.30% | 82nd top |
| TCE / Tangible Assets | 13.46% | 11.09% | +2.37% | 83rd top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 88.93% | 80.63% | +8.30% | 31st below |
| Core Deposit Ratio | 86.76% | 86.86% | -0.10% | 37th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.98% | 6.85% | -1.87% | 54th above |
| Loan Growth (Y/Y) | 9.00% | 7.90% | +1.10% | 70th above |
| Deposit Growth (Y/Y) | 3.71% | 6.29% | -2.58% | 48th below |
See Grand Ridge National Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Grand Ridge National Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Grand Ridge National Bank profile, how to read a UBPR, or how this data updates.