Grand River Bank
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Data as of · sourced from FFIEC call reports. How we update
Grand River Bank is an FDIC-insured commercial bank headquartered in Grandville, MI, established in 2009 (FDIC certificate 58789), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $507.3M, down 0.8% from Q2 2025, the 33rd largest of 72 banks headquartered in Michigan. Its CET1 capital ratio was 12.89% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 58789
- Headquarters
- Grandville, MI
- Established
- 2009
- Total assets, Q2 2026
- $507.3M
- Assets vs Q2 2025
- -0.8%
- CET1 ratio, Q2 2026
- 12.89%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 072414378
- Holding company
- GRAND RIVER COMMERCE, INC.
- Asset rank in state
- 33rd of 72 in Michigan
Grand River Bank, based in Grandville, Michigan, reported $507 million in assets at June 30, 2026. It keeps 2.89 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). It also holds commercial real estate loans worth 3.3 times its capital, about triple the median of 1.2 times for banks its size.
Earnings jumped: net income for the quarter was $769,000, 97% above the same quarter a year earlier. Over the same year, loans shrank 6.2% and deposits grew 3.5%. Profitability lags: it earns about $0.60 a year on every $100 of assets, about half the median of $1.28 for banks its size.
As of June 30, 2026, Grand River Bank reported a CET1 capital ratio of 12.89%, a return on assets of 0.60%, a nonperforming-loan ratio of 0.17% and a Texas ratio of 0.81%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Grand River Bank is the 33rd largest of the 72 banks headquartered in Michigan. Between Q1 2026 and Q2 2026, its total assets fell 0.6% to $507.3M, loans fell 2.5% and deposits rose 1.4%. Its loan book on June 30, 2026 was led by non-owner-occupied commercial real estate loans, at 36.3% of total loans, followed by owner-occupied commercial real estate loans at 26.8%. The FDIC Summary of Deposits lists 2 offices for it, in Grandville, MI and Grand Rapids, MI; its Grandville office books 86% of its branch deposits. By the capital ratios in its Q2 2026 call report, Grand River Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 4471 Wilson Ave Sw, Grandville, MI 49418
- County
- Kent
- Metro Area
- Grand Rapids-Wyoming-Kentwood, MI
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- 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 30, 2009
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 62
- Domestic deposits
- $446.1M
- Allowance for credit losses
- $4.9M
- Net charge-offs (YTD)
- $0
- Average total assets
- $508.6M
- Average total loans
- $433.4M
- Average interest-bearing deposits
- $350.6M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- April 30, 2009
- FDIC Cert
- 58789
- Fed RSSD
- 3812147
- SEC CIK
- 1418489 → filed by GRAND RIVER COMMERCE, INC.
- Website
- www.grandriverbank.com →
- Parent Holding Company
- GRAND RIVER COMMERCE, INC. (RSSD 3916326)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Grand River Bank's total assets ran between $507.3M (Q2 2026) and $550.9M (Q2 2024), and it earned a profit in 10 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$507.3M total assets against $511.4M; $456.3M total liabilities against $461.9M.
$423.6M net loans and leases against $451.8M; $446.1M total deposits against $431.0M.
$15.7M securities against $12.3M; $56.6M cash and balances due against $34.6M.
$6.5M total interest income against $6.7M; $2.8M total interest expense against $3.3M.
$3.6M net interest income against $3.4M.
$200K total noninterest income against $181K; $3.0M total noninterest expense against $3.1M.
-$100K provision for credit losses against -$34K.
$769K net income against $390K.
0.60% return on assets against 0.30%; 2.89% net interest margin against 2.67%.
12.89% CET1 capital ratio against 11.67%; 10.19% tier 1 leverage ratio against 9.73%.
Inside the full Grand River 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 exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Grand River Bank rankings
Its closest position to the top of a national ranking is 1,759 of 4,196, for total assets; its furthest is 3,133 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.15% (Q3 2024) to 0.63% (Q1 2026) and its net interest margin ran from 2.56% (Q3 2024) to 2.89% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.89% | 0.60% | 0.17% | 0.81% | 2.89% |
| Q1 2026 | 12.40% | 0.63% | 0.21% | 0.85% | 2.77% |
| Q4 2025 | 11.98% | 0.49% | 0.20% | 0.86% | 2.76% |
| Q3 2025 | 12.21% | 0.43% | 0.10% | 0.03% | 2.75% |
| Q2 2025 | 11.67% | 0.30% | 0.10% | 0.03% | 2.67% |
| Q1 2025 | 11.37% | 0.28% | 0.10% | 0.03% | 2.66% |
| Q4 2024 | 10.90% | 0.32% | 0.10% | 0.04% | 2.65% |
| Q3 2024 | 10.58% | 0.15% | 0.09% | 0.07% | 2.56% |
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 River Bank (main office) | Grandville , MI | 49418 | $384.8M |
| Crahen Branch | Grand Rapids , MI | 49525 | $61.3M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in MI, rank 47 of 95 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 62 applications, 48 loans originated, $14.3M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $300K approved, $300K 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, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Grand River Bank
What are Grand River Bank's total assets?
As of the Q2 2026 filing, Grand River Bank reported total assets of $507.3 million in its FFIEC call report.
Where is Grand River Bank headquartered?
It is headquartered in Grandville, MI, United States.
When was Grand River Bank founded?
It was established in 2009, per the FDIC institution directory.
Is Grand River Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #58789). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Grand River Bank?
Grand River Bank's primary federal regulator is the Federal Reserve.
What is Grand River Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.89% in its Q2 2026 call report, above regulatory requirements.
How many branches does Grand River 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 River Bank's Texas Ratio?
Its Texas Ratio is 0.81% 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.
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