Grand Rivers Community Bank
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Data as of · sourced from FFIEC call reports. How we update
Grand Rivers Community Bank is an FDIC-insured commercial bank headquartered in Grand Chain, IL, established in 1902 (FDIC certificate 10816), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $15.1M, down 14.3% from Q2 2025, the 318th largest of 319 banks headquartered in Illinois. Its CET1 capital ratio was 10.50% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 10816
- Headquarters
- Grand Chain, IL
- Established
- 1902
- Total assets, Q2 2026
- $15.1M
- Assets vs Q2 2025
- -14.3%
- CET1 ratio, Q2 2026
- 10.50%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 081213269
- Holding company
- MAIN STREET BANCSHARES, INCORPORATED
- Asset rank in state
- 318th of 319 in Illinois
Grand Rivers Community Bank spends more to run itself than most banks of its size. Its balance sheet stood at $15 million at June 30, 2026, down 14.3% from a year earlier; it is based in Grand Chain, Illinois. It loses about $3.42 a year on every $100 of assets, lower than about 9 in 10 of the 583 banks with less than $100 million in assets (median $1.06). It also spends about 166 cents to bring in each dollar of revenue, 2.4 times the median of 69 cents for banks its size.
Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 15.59% of loans, down from 16.50% a year earlier. It lost $131,000 in the quarter. Where it has less room is capital: it holds common equity equal to 10.50% of its risk-weighted assets, about half the median of 22.08% for banks its size.
As of June 30, 2026, Grand Rivers Community Bank reported a CET1 capital ratio of 10.50%, a return on assets of -3.42%, a nonperforming-loan ratio of 15.59% and a Texas ratio of 117.31%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Grand Rivers Community Bank is the 318th largest of the 319 banks headquartered in Illinois. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 0.3% to $15.1M, loans fell 1.8% and deposits fell 0.1%. The largest part of its loan book on June 30, 2026 was commercial and industrial loans, at 28.2% of total loans, ahead of non-owner-occupied commercial real estate loans at 23.2%. The FDIC Summary of Deposits lists 2 offices for it, in Karnak, IL and Grand Chain, IL; its Karnak office books 63% of its branch deposits. On its Q2 2026 call report, Grand Rivers Community Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 260 S Main St, Grand Chain, IL 62941
- County
- Pulaski
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- January 1, 1902
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 7
- Domestic deposits
- $13.5M
- Allowance for credit losses
- $152K
- Net charge-offs (YTD)
- $0
- Average total assets
- $15.3M
- Average total loans
- $10.5M
- Average interest-bearing deposits
- $10.5M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 10816
- Fed RSSD
- 226949
- SEC CIK
- 1708790 → filed by MAIN STREET BANCSHARES, INCORPORATED
- Parent Holding Company
- MAIN STREET BANCSHARES, INCORPORATED (RSSD 4625595)
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
From Q3 2023 to Q2 2026, Grand Rivers Community Bank's total assets ranged from $15.1M (Q2 2026) to $28.7M (Q3 2023), and it posted no profit in any of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$15.1M total assets against $17.6M; $13.8M total liabilities against $16.0M.
$10.4M net loans and leases against $11.4M; $13.5M total deposits against $15.6M.
$1.1M securities against $1.2M; $2.1M cash and balances due against $3.4M.
$187K total interest income against $240K; $37K total interest expense against $59K.
$150K net interest income against $181K.
$42K total noninterest income against $38K; $323K total noninterest expense against $337K.
$0 provision for credit losses against $0.
-$131K net income against -$118K.
-3.42% return on assets against -2.57%; 4.32% net interest margin against 4.21%.
10.50% CET1 capital ratio against 11.14%; 8.14% tier 1 leverage ratio against 8.64%.
Inside the full Grand Rivers Community 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.
A Texas Ratio above 100% means non-performing assets exceed the bank's capital and reserves. Historically correlates with elevated failure risk per the 1980s Texas banking crisis from which the ratio was named. Analyst heuristic (Cassidy/RBC), not a supervisory threshold.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
Grand Rivers Community Bank rankings
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -3.72% (Q4 2025) to -0.68% (Q4 2024) and its net interest margin ran from 3.92% (Q3 2025) to 5.23% (Q4 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.50% | -3.42% | 15.59% | 117.31% | 4.32% |
| Q1 2026 | 10.65% | -3.33% | 15.55% | 116.52% | 4.39% |
| Q4 2025 | 10.02% | -3.72% | 12.71% | 95.06% | 4.44% |
| Q3 2025 | 11.38% | -2.46% | 15.60% | 93.81% | 3.92% |
| Q2 2025 | 11.14% | -2.57% | 16.50% | 92.73% | 4.21% |
| Q1 2025 | 12.13% | -1.30% | 9.92% | 56.30% | 4.31% |
| Q4 2024 | 11.72% | -0.68% | 4.01% | 22.75% | 5.23% |
| Q3 2024 | 10.56% | -0.72% | 7.75% | 48.14% | 5.01% |
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 |
|---|---|---|---|
| Karnak Branch | Karnak , IL | 62956 | $8.4M |
| Grand Rivers Community Bank (main office) | Grand Chain , IL | 62941 | $5.0M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IL, rank 375 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $275K approved, $275K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2009 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), 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 Rivers Community Bank
What are Grand Rivers Community Bank's total assets?
As of the Q2 2026 filing, Grand Rivers Community Bank reported total assets of $15.1 million in its FFIEC call report.
Where is Grand Rivers Community Bank headquartered?
It is headquartered in Grand Chain, IL, United States.
When was Grand Rivers Community Bank founded?
It was established in 1902, per the FDIC institution directory.
Is Grand Rivers Community Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #10816). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Grand Rivers Community Bank?
Grand Rivers Community Bank's primary federal regulator is the FDIC.
What is Grand Rivers Community Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 10.50% in its Q2 2026 call report, above regulatory requirements.
How many branches does Grand Rivers Community 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 Rivers Community Bank's Texas Ratio?
Its Texas Ratio is 117.31% in its Q2 2026 call report, elevated; historically a Texas Ratio above 100% correlates with elevated failure risk. The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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