Grand River Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The standout move of Q2 2026 was in Retained earnings: 16.1% higher than in Q1 2026, at $5.6M. Within Michigan, Grand River Bank is 26th of 43 on CET1 ratio, 12.89% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Grand River Bank sits 2.18 points lower, at 12.89% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.89% |
| Tier 1 risk-based capital ratio | 12.89% |
| Total risk-based capital ratio | 14.13% |
| Tier 1 leverage ratio | 10.19% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $51.8M |
| Tier 1 capital | $51.8M |
| Total risk-based capital | $56.7M |
| Total equity capital | $51.0M |
| Risk-weighted assets | $401.4M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.05% |
| Tangible equity to tangible assets | 10.05% |
| Equity capital to average assets | 10.03% |
| Internal capital growth rate | 6.12% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $15K |
| Common stock surplus | $46.8M |
| Retained earnings | $5.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.4M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 10.04% | 10.04% | 11.25% | 9.00% | $485.9M |
| Q4 2023 | 9.35% | 9.35% | 10.55% | 8.15% | $479.6M |
| Q1 2024 | 10.10% | 10.10% | 11.29% | 8.68% | $473.3M |
| Q2 2024 | 10.31% | 10.31% | 11.50% | 8.85% | $465.7M |
| Q3 2024 | 10.58% | 10.58% | 11.77% | 8.89% | $455.9M |
| Q4 2024 | 10.90% | 10.90% | 12.09% | 9.19% | $447.4M |
| Q1 2025 | 11.37% | 11.37% | 12.57% | 9.47% | $433.0M |
| Q2 2025 | 11.67% | 11.67% | 12.89% | 9.73% | $426.0M |
| Q3 2025 | 12.21% | 12.21% | 13.46% | 9.80% | $412.6M |
| Q4 2025 | 11.98% | 11.98% | 13.21% | 9.43% | $414.6M |
| Q1 2026 | 12.40% | 12.40% | 13.63% | 9.91% | $409.9M |
| Q2 2026 | 12.89% | 12.89% | 14.13% | 10.19% | $401.4M |
Grand River Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Grand River Bank, freeSource: Call Report Schedule RC-R, 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 River Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58789) · FFIEC NIC profile (RSSD 3812147)