Grand Rivers Community Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Grand Rivers Community Bank of Grand Chain, IL against its peer group of 536 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 | -3.42% | 3.33% | -6.75% | 3rd bottom |
| ROAE | -41.54% | 8.37% | -49.91% | 3rd bottom |
| Net Interest Margin | 4.32% | 3.92% | +0.40% | 69th above |
| Efficiency Ratio | 166.16% | 84.34% | +81.82% | 4th bottom |
| PPNR / Avg Assets | -3.42% | 1.57% | -4.99% | 1st bottom |
| Yield on Earning Assets | 5.39% | 5.24% | +0.15% | 57th above |
| Cost of Funds | 1.09% | 1.67% | -0.58% | 74th above |
| Net Interest Spread | 4.00% | 3.30% | +0.70% | 77th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 13.83% | 1.40% | +12.43% | 1st bottom |
| NPA / Total Assets | 9.67% | 0.69% | +8.98% | 0th bottom |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 53rd above |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.45% | 1.53% | -0.08% | 64th above |
| ACL / NPLs (Coverage) | 10.45% | 723.36% | -712.91% | 1st bottom |
| Texas Ratio | 117.31% | 8.39% | +108.92% | 1st bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 10.50% | 127.11% | -116.61% | 4th bottom |
| Tier 1 Ratio | 10.50% | 127.12% | -116.62% | 4th bottom |
| Total Capital Ratio | 11.75% | 128.01% | -116.26% | 4th bottom |
| Leverage Ratio | 8.14% | 22.11% | -13.97% | 4th bottom |
| Equity / Assets | 8.28% | 20.74% | -12.46% | 11th bottom |
| TCE / Tangible Assets | 8.28% | 20.50% | -12.22% | 11th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 78.09% | 74.25% | +3.84% | 33rd below |
| Core Deposit Ratio | 100.00% | 88.29% | +11.71% | 97th top |
| Wholesale Funding Ratio | 1.14% | 5.34% | -4.20% | 77th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -14.27% | 3.85% | -18.12% | 2nd bottom |
| Loan Growth (Y/Y) | -12.15% | 6.88% | -19.03% | 6th bottom |
| Deposit Growth (Y/Y) | -13.61% | 3.00% | -16.61% | 3rd bottom |
See Grand Rivers Community Bank's peers by name
The 536 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Grand Rivers Community 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 Rivers Community Bank profile, how to read a UBPR, or how this data updates.