Grand Rivers Community 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%.
Compared with Q1 2026, Common equity Tier 1 capital fell 2.5% in Q2 2026 to $1.2M, the biggest move on this page. On CET1 ratio, Grand Rivers Community Bank is 10th from the bottom among 198 Illinois banks, 10.50% (Q2 2026). Grand Rivers Community Bank reported 10.50% on CET1 ratio for Q2 2026, 9.07 points below the 19.57% median for banks in the < $100M asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 10.50% |
| Tier 1 risk-based capital ratio | 10.50% |
| Total risk-based capital ratio | 11.75% |
| Tier 1 leverage ratio | 8.14% |
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 | $1.2M |
| Tier 1 capital | $1.2M |
| Total risk-based capital | $1.4M |
| Total equity capital | $1.2M |
| Risk-weighted assets | $11.9M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.28% |
| Tangible equity to tangible assets | 8.28% |
| Equity capital to average assets | 8.13% |
| Internal capital growth rate | -41.03% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $263K |
| Common stock surplus | $8.0M |
| Retained earnings | -$7.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1K |
| 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 | 12.86% | 12.86% | 14.13% | 9.36% | $16.0M |
| Q4 2023 | 12.85% | 12.85% | 14.11% | 9.24% | $16.5M |
| Q1 2024 | 12.57% | 12.57% | 13.83% | 8.32% | $16.5M |
| Q2 2024 | 10.96% | 10.96% | 12.24% | 8.31% | $16.7M |
| Q3 2024 | 10.56% | 10.56% | 11.84% | 8.57% | $17.0M |
| Q4 2024 | 11.72% | 11.72% | 13.00% | 9.11% | $15.1M |
| Q1 2025 | 12.13% | 12.13% | 13.41% | 9.24% | $14.1M |
| Q2 2025 | 11.14% | 11.14% | 12.42% | 8.64% | $14.2M |
| Q3 2025 | 11.38% | 11.38% | 12.66% | 9.02% | $13.8M |
| Q4 2025 | 10.02% | 10.02% | 11.10% | 8.31% | $14.1M |
| Q1 2026 | 10.65% | 10.65% | 11.90% | 8.08% | $12.0M |
| Q2 2026 | 10.50% | 10.50% | 11.75% | 8.14% | $11.9M |
Grand Rivers Community Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Grand Rivers Community 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 Rivers Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10816) · FFIEC NIC profile (RSSD 226949)