Grand River 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 368.68 percentage points in Q2 2026, from 300.96% to 669.64%. It was the largest change from Q1 2026 among the key lines here. On return on assets, Grand River Bank is 8th from the bottom among 72 Michigan banks, 0.60% (Q2 2026). Grand River Bank's return on assets of 0.60% is well below the 1.25% median for banks in the $100M-1B asset tier, a gap of 0.65 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.89% |
| Tier 1 risk-based capital ratio | 12.89% |
| Total risk-based capital ratio | 14.13% |
| Tier 1 leverage ratio | 10.19% |
| Equity capital to assets | 10.05% |
| Tangible equity to tangible assets | 10.05% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.17% |
| Non-performing assets ratio | 0.14% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 1.30% |
| Allowance for credit losses to loans | 1.14% |
| Reserve coverage of non-performing loans | 669.64% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.60% |
| Return on equity | 6.08% |
| Net interest margin | 2.89% |
| Efficiency ratio | 77.01% |
| Yield on earning assets | 5.15% |
| Cost of funds | 2.48% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 96.04% |
| Core deposits to total deposits | 79.14% |
| Brokered deposits to total deposits | 13.81% |
| Deposits to assets | 87.93% |
| Securities to assets | 3.09% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 10.04% | 10.04% | 11.25% | 9.00% | -0.71% |
| Q4 2023 | 9.35% | 9.35% | 10.55% | 8.15% | -1.59% |
| Q1 2024 | 10.10% | 10.10% | 11.29% | 8.68% | 0.00% |
| Q2 2024 | 10.31% | 10.31% | 11.50% | 8.85% | 0.11% |
| Q3 2024 | 10.58% | 10.58% | 11.77% | 8.89% | 0.15% |
| Q4 2024 | 10.90% | 10.90% | 12.09% | 9.19% | 0.32% |
| Q1 2025 | 11.37% | 11.37% | 12.57% | 9.47% | 0.28% |
| Q2 2025 | 11.67% | 11.67% | 12.89% | 9.73% | 0.30% |
| Q3 2025 | 12.21% | 12.21% | 13.46% | 9.80% | 0.43% |
| Q4 2025 | 11.98% | 11.98% | 13.21% | 9.43% | 0.49% |
| Q1 2026 | 12.40% | 12.40% | 13.63% | 9.91% | 0.63% |
| Q2 2026 | 12.89% | 12.89% | 14.13% | 10.19% | 0.60% |
Grand River Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Grand River 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 River Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58789) · FFIEC NIC profile (RSSD 3812147)