Grand River Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Grand River Bank of Grandville, MI 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 | 0.60% | 1.34% | -0.74% | 16th bottom |
| ROAE | 6.08% | 13.32% | -7.24% | 18th bottom |
| Net Interest Margin | 2.89% | 3.93% | -1.04% | 8th bottom |
| Efficiency Ratio | 77.01% | 61.13% | +15.88% | 17th bottom |
| PPNR / Avg Assets | 0.69% | 1.68% | -0.99% | 12th bottom |
| Yield on Earning Assets | 5.15% | 5.67% | -0.52% | 29th below |
| Cost of Funds | 2.48% | 1.88% | +0.60% | 16th bottom |
| Net Interest Spread | 2.03% | 3.32% | -1.29% | 5th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.17% | 0.94% | -0.77% | 66th above |
| NPA / Total Assets | 0.14% | 0.70% | -0.56% | 65th above |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 1.14% | 1.28% | -0.14% | 42nd below |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 669.64% | 1539.14% | -869.50% | 77th top |
| Texas Ratio | 1.30% | 7.33% | -6.03% | 69th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.89% | 19.51% | -6.62% | 26th below |
| Tier 1 Ratio | 12.89% | 19.54% | -6.65% | 26th below |
| Total Capital Ratio | 14.13% | 20.63% | -6.50% | 28th below |
| Leverage Ratio | 10.19% | 12.14% | -1.95% | 35th below |
| Equity / Assets | 10.05% | 11.37% | -1.32% | 45th below |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.05% | 11.09% | -1.04% | 50th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 96.04% | 80.63% | +15.41% | 17th bottom |
| Core Deposit Ratio | 79.14% | 86.86% | -7.72% | 14th bottom |
| Wholesale Funding Ratio | 1.48% | 5.04% | -3.56% | 75th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -0.81% | 6.86% | -7.67% | 15th bottom |
| Loan Growth (Y/Y) | -6.23% | 7.91% | -14.14% | 6th bottom |
| Deposit Growth (Y/Y) | 3.49% | 6.29% | -2.80% | 46th below |
See Grand River Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Grand River 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 River Bank profile, how to read a UBPR, or how this data updates.