The Granville National 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 Reserve coverage of non-performing loans: 220.90 percentage points lower than in Q1 2026, at 60.05%. Within Illinois, The Granville National Bank is 133rd of 323 on return on assets, 1.31% as of Q2 2026, above the middle of the field. The Granville National Bank reported 1.31% on return on assets for Q2 2026, 0.06 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.10% |
| Equity capital to assets | 10.76% |
| Tangible equity to tangible assets | 10.17% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 2.21% |
| Non-performing assets ratio | 1.01% |
| Net charge-off ratio | 0.02% |
| Texas ratio | 9.44% |
| Allowance for credit losses to loans | 1.32% |
| Reserve coverage of non-performing loans | 60.05% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.31% |
| Return on equity | 12.55% |
| Net interest margin | 3.42% |
| Efficiency ratio | 49.43% |
| Yield on earning assets | 4.44% |
| Cost of funds | 1.11% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 51.48% |
| Core deposits to total deposits | 98.22% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.83% |
| Securities to assets | 48.43% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 10.39% | 0.52% | 2.45% | 0.45% | 0.00% |
| Q4 2023 | 10.41% | 0.66% | 2.42% | 0.44% | -0.01% |
| Q1 2024 | 10.22% | 0.43% | 2.36% | 0.43% | 0.09% |
| Q2 2024 | 10.45% | 0.67% | 2.55% | 0.43% | 0.03% |
| Q3 2024 | 10.26% | 0.75% | 2.75% | 0.43% | 0.00% |
| Q4 2024 | 10.38% | 0.96% | 2.86% | 0.20% | 0.75% |
| Q1 2025 | 10.67% | 0.72% | 2.96% | 0.19% | -0.02% |
| Q2 2025 | 10.81% | 0.82% | 3.01% | 0.27% | -0.01% |
| Q3 2025 | 10.73% | 1.09% | 3.15% | 0.57% | -0.04% |
| Q4 2025 | 10.83% | 1.15% | 3.26% | 0.55% | 0.01% |
| Q1 2026 | 10.95% | 1.01% | 3.28% | 0.47% | -0.01% |
| Q2 2026 | 11.10% | 1.31% | 3.42% | 2.21% | 0.02% |
The Granville National Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Granville National 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 The Granville National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13983) · FFIEC NIC profile (RSSD 560830)