Grand Rivers Community Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) climbed 2.30 percentage points in Q2 2026, from 172.47% to 174.77%. It was the largest change from Q1 2026 among the key lines here. Grand Rivers Community Bank ranks 145th of 323 Illinois banks on loan-to-deposit ratio, in the upper half at 78.09% (Q2 2026). Grand Rivers Community Bank reported 78.09% on loan-to-deposit ratio for Q2 2026, 10.47 points above the 67.62% median for banks in the < $100M asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $10.5M |
| Net loans and leases | $10.4M |
| Loans held for sale | $0 |
| Loans to total assets | 69.88% |
| Loan-to-deposit ratio | 78.09% |
| Net loans to equity capital | 8.32% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 43.75% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 28.25% |
| Consumer | 6.71% |
| Credit cards | 0.00% |
| Farm | 8.76% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.73% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 174.77% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.88% |
| Interest income on loans | $156K |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $14.2M | $26.2M | 41.32% | 27.67% | 13.72% |
| Q4 2023 | $14.8M | $22.6M | 45.54% | 25.34% | 12.47% |
| Q1 2024 | $14.8M | $22.0M | 46.76% | 26.04% | 11.86% |
| Q2 2024 | $14.9M | $18.8M | 46.84% | 27.28% | 10.81% |
| Q3 2024 | $14.9M | $17.9M | 46.62% | 28.23% | 10.15% |
| Q4 2024 | $13.4M | $16.3M | 42.15% | 31.12% | 10.27% |
| Q1 2025 | $12.8M | $16.1M | 43.93% | 29.32% | 10.16% |
| Q2 2025 | $12.0M | $15.6M | 39.99% | 30.69% | 9.13% |
| Q3 2025 | $12.7M | $15.5M | 37.38% | 34.32% | 7.98% |
| Q4 2025 | $11.7M | $14.8M | 40.33% | 29.97% | 7.96% |
| Q1 2026 | $10.7M | $13.5M | 43.51% | 28.07% | 7.68% |
| Q2 2026 | $10.5M | $13.5M | 43.75% | 28.25% | 6.71% |
Grand Rivers Community Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Grand Rivers Community Bank, freeSource: Call Report Schedule RC-C, 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)