The Granville National Bank
BankRegReports is independent of The Granville National Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
The Granville National Bank is an FDIC-insured commercial bank headquartered in Granville, IL, established in 1934 (FDIC certificate 13983), and it is supervised by the OCC. At Q2 2026 it reported total assets of $118.4M, up 4.1% from Q2 2025, the 250th largest of 319 banks headquartered in Illinois. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.10% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 13983
- Headquarters
- Granville, IL
- Established
- 1934
- Total assets, Q2 2026
- $118.4M
- Assets vs Q2 2025
- +4.1%
- Tier 1 leverage ratio, Q2 2026
- 11.10%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 071113298
- Latest call report
- Q2 2026, FFIEC 051 · The Granville National Bank call report
- Holding company
- GRANVILLE BANCSHARES, INC.
- Asset rank in state
- 250th of 319 in Illinois
Problem loans are rising at The Granville National Bank. Based in Granville, Illinois, it had $118 million in assets at June 30, 2026, up 4.1% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 2.21% of loans from 0.32% a year earlier. It pays an average of 1.11% on its deposits and borrowings, lower than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 1.80%). It also spends about 49 cents to bring in each dollar of revenue, lower than about three-quarters of banks its size (median 61 cents).
Earnings jumped: net income for the quarter was $392,000, 70% above the same quarter a year earlier. Delinquency has appeared in its $5.8 million non-owner-occupied commercial real estate book: 16.62% of those loans are past due or on nonaccrual, against almost none a year earlier. Credit is the area to watch: it carries problem assets equal to 9.4% of the capital and reserves that would absorb them, 3.6 times the median of 2.6% for banks its size.
As of June 30, 2026, The Granville National Bank reported a return on assets of 1.31%, a nonperforming-loan ratio of 2.21% and a Texas ratio of 9.44%. The figures come from its call report filed with the FFIEC.
The Granville National Bank ranks as the 250th largest of the 319 banks based in Illinois, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 0.1% to $118.4M, loans rose 0.7% and deposits fell 0.1%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 44.7% of total loans, followed by commercial and industrial loans at 16.8%. Its 2 offices in the FDIC Summary of Deposits are in Granville, IL and Sheridan, IL; its Granville office books 56% of its branch deposits. Judged on its Q2 2026 call report, The Granville National Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 328 S Mccoy St, Granville, IL 61326
- County
- Putnam
- Metro Area
- Ottawa, IL
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- February 27, 1934
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 16
- Domestic deposits
- $105.1M
- Allowance for credit losses
- $717K
- Net charge-offs (YTD)
- $2K
- Average total assets
- $119.4M
- Average total loans
- $53.9M
- Average interest-bearing deposits
- $85.9M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- February 27, 1934
- FDIC Cert
- 13983
- Fed RSSD
- 560830
- Website
- http://www.gnbonline.com →
- Parent Holding Company
- GRANVILLE BANCSHARES, INC. (RSSD 1206171)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, The Granville National Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, The Granville National Bank's total assets ran between $109.0M (Q3 2023) and $118.4M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$118.4M total assets against $113.7M; $105.6M total liabilities against $102.3M.
$53.4M net loans and leases against $51.1M; $105.1M total deposits against $101.7M.
$57.3M securities against $51.5M; $5.0M cash and balances due against $8.5M.
$1.3M total interest income against $1.1M; $294K total interest expense against $292K.
$968K net interest income against $813K.
$86K total noninterest income against $51K; $534K total noninterest expense against $516K.
$12K provision for credit losses against $58K.
$392K net income against $231K.
1.31% return on assets against 0.82%; 3.42% net interest margin against 3.01%.
11.10% tier 1 leverage ratio against 10.81%.
Inside the full The Granville National Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe Granville National Bank rankings
Its closest position to the top of a national ranking is 690 of 3,640, for Texas Ratio; its furthest is 3,530 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.72% (Q1 2025) to 1.31% (Q2 2026) and its net interest margin ran from 2.75% (Q3 2024) to 3.42% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.10% | 1.31% | 2.21% | 9.44% | 3.42% |
| Q1 2026 | 10.95% | 1.01% | 0.47% | 2.07% | 3.28% |
| Q4 2025 | 10.83% | 1.15% | 0.56% | 2.39% | 3.26% |
| Q3 2025 | 10.73% | 1.09% | 0.57% | 2.54% | 3.15% |
| Q2 2025 | 10.81% | 0.82% | 0.32% | 1.46% | 3.01% |
| Q1 2025 | 10.67% | 0.72% | 0.50% | 2.41% | 2.96% |
| Q4 2024 | 10.38% | 0.96% | 0.41% | 2.04% | 2.86% |
| Q3 2024 | 10.26% | 0.75% | 0.43% | 1.92% | 2.75% |
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 |
|---|---|---|---|
| The Granville National Bank | Granville , IL | 61326 | $58.6M |
| Sheridanbank Branch | Sheridan , IL | 60551 | $46.6M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| January 22, 2016 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 22, 2016 | Structure Change | Acquired Sheridan State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC); 7 against individuals associated with it
- October 10, 2007, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): The Granville National Bank
- Period: Most recent institution action October 10, 2007. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in IL, rank 292 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $100K approved, $100K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1996 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- 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
Add this badge to your website
Free to use. It shows The Granville National Bank’s latest filed figures and updates each quarter.
Similar banks
Compare The Granville National Bank with peers
Frequently asked about The Granville National Bank
What are The Granville National Bank's total assets?
As of the Q2 2026 filing, The Granville National Bank reported total assets of $118.4 million in its FFIEC call report.
Where is The Granville National Bank headquartered?
It is headquartered in Granville, IL, United States.
When was The Granville National Bank founded?
It was established in 1934, per the FDIC institution directory.
Is The Granville National Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #13983). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Granville National Bank?
The Granville National Bank's primary federal regulator is the OCC.
How many branches does The Granville National 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 The Granville National Bank's Texas Ratio?
Its Texas Ratio is 9.44% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
Go deeper on The Granville National Bank.
Get an email when The Granville National Bank files its next call report, and benchmark it against any peer you choose.
Unlock The Granville National Bank, freeFree account