Grand Rivers Community 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.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 1.35 percentage points lower than in Q1 2026, at 78.09%. Grand Rivers Community Bank has the 3rd lowest return on assets of the 323 banks headquartered in Illinois, at -3.42% as of Q2 2026. Grand Rivers Community Bank's return on assets of -3.42% is well below the 0.98% median for banks in the < $100M asset tier, a gap of 4.40 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 10.50% |
| Tier 1 risk-based capital ratio | 10.50% |
| Total risk-based capital ratio | 11.75% |
| Tier 1 leverage ratio | 8.14% |
| Equity capital to assets | 8.28% |
| Tangible equity to tangible assets | 8.28% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 13.83% |
| Non-performing assets ratio | 9.67% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 117.31% |
| Allowance for credit losses to loans | 1.45% |
| Reserve coverage of non-performing loans | 10.45% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | -3.42% |
| Return on equity | -41.54% |
| Net interest margin | 4.32% |
| Efficiency ratio | 166.16% |
| Yield on earning assets | 5.39% |
| Cost of funds | 1.09% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 78.09% |
| Core deposits to total deposits | 100.00% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 89.49% |
| Securities to assets | 7.47% |
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 | 12.86% | 12.86% | 14.13% | 9.36% | -0.65% |
| Q4 2023 | 12.85% | 12.85% | 14.11% | 9.24% | -0.54% |
| Q1 2024 | 12.57% | 12.57% | 13.83% | 8.32% | -0.64% |
| Q2 2024 | 10.96% | 10.96% | 12.24% | 8.31% | -4.40% |
| Q3 2024 | 10.56% | 10.56% | 11.84% | 8.57% | -0.72% |
| Q4 2024 | 11.72% | 11.72% | 13.00% | 9.11% | -0.68% |
| Q1 2025 | 12.13% | 12.13% | 13.41% | 9.24% | -1.30% |
| Q2 2025 | 11.14% | 11.14% | 12.42% | 8.64% | -2.57% |
| Q3 2025 | 11.38% | 11.38% | 12.66% | 9.02% | -2.46% |
| Q4 2025 | 10.02% | 10.02% | 11.10% | 8.31% | -3.72% |
| Q1 2026 | 10.65% | 10.65% | 11.90% | 8.08% | -3.33% |
| Q2 2026 | 10.50% | 10.50% | 11.75% | 8.14% | -3.42% |
Grand Rivers Community Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Grand Rivers Community 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 Rivers Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10816) · FFIEC NIC profile (RSSD 226949)