Grand Ridge National Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 154.33 percentage points in Q2 2026, from 192.44% to 346.78%. It was the largest change from Q1 2026 among the key lines here. Within Illinois, Grand Ridge National Bank is 44th of 323 on return on assets, 1.84% as of Q2 2026, above the middle of the field. Grand Ridge National Bank reported 1.84% on return on assets for Q2 2026, 0.58 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 13.77% |
| Equity capital to assets | 13.67% |
| Tangible equity to tangible assets | 13.46% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.31% |
| Non-performing assets ratio | 0.23% |
| Net charge-off ratio | 0.02% |
| Texas ratio | 4.04% |
| Allowance for credit losses to loans | 1.07% |
| Reserve coverage of non-performing loans | 346.78% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.84% |
| Return on equity | 13.37% |
| Net interest margin | 5.48% |
| Efficiency ratio | 51.71% |
| Yield on earning assets | 7.41% |
| Cost of funds | 2.23% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 88.93% |
| Core deposits to total deposits | 86.76% |
| Brokered deposits to total deposits | 5.02% |
| Deposits to assets | 85.59% |
| Securities to assets | 0.01% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 13.55% | 1.78% | 5.69% | 0.37% | -0.14% |
| Q4 2023 | 13.05% | 1.69% | 5.34% | 0.36% | -0.01% |
| Q1 2024 | 13.58% | 1.49% | 5.08% | 0.36% | 0.00% |
| Q2 2024 | 13.00% | 1.43% | 5.46% | 0.15% | 0.00% |
| Q3 2024 | 13.25% | 1.42% | 4.99% | 0.15% | -0.03% |
| Q4 2024 | 13.21% | 1.66% | 5.51% | 0.01% | 0.01% |
| Q1 2025 | 13.31% | 1.55% | 5.03% | 0.01% | -0.01% |
| Q2 2025 | 12.88% | 1.52% | 5.04% | 0.41% | -0.01% |
| Q3 2025 | 12.36% | 1.39% | 5.03% | 0.42% | -0.01% |
| Q4 2025 | 12.37% | 1.37% | 4.98% | 0.36% | 0.46% |
| Q1 2026 | 13.53% | 1.67% | 5.30% | 0.56% | -0.02% |
| Q2 2026 | 13.77% | 1.84% | 5.48% | 0.31% | 0.02% |
Grand Ridge National Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Grand Ridge National Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Grand Ridge National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3674) · FFIEC NIC profile (RSSD 875132)