Great Rivers Bank
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Data as of · sourced from FFIEC call reports. How we update
Great Rivers Bank is an FDIC-insured commercial bank headquartered in Barry, IL, established in 1901 (FDIC certificate 3762), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $194.6M, up 3.9% from Q2 2025, the 199th largest of 319 banks headquartered in Illinois. Its CET1 capital ratio was 12.45% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 3762
- Headquarters
- Barry, IL
- Established
- 1901
- Total assets, Q2 2026
- $194.6M
- Assets vs Q2 2025
- +3.9%
- CET1 ratio, Q2 2026
- 12.45%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 081206946
- Latest call report
- Q2 2026, FFIEC 051 · Great Rivers Bank call report
- Holding company
- FNB BARRY BANCORP, INC
- Asset rank in state
- 199th of 319 in Illinois
Little in Great Rivers Bank's latest call report stands out. Its balance sheet stood at $195 million at June 30, 2026, up 3.9% from a year earlier; it is based in Barry, Illinois. On most measures it sits near the middle of the 2,660 banks with $100 million to $1 billion in assets.
Net income for the quarter rose 25% from a year earlier, to $891,000. Over the same year, loans grew 4.2% and deposits grew 8.9%. Where it has less room is capital: it holds common equity equal to 12.45% of its risk-weighted assets, lower than about three-quarters of banks its size (median 15.12%).
As of June 30, 2026, Great Rivers Bank reported a CET1 capital ratio of 12.45%, a return on assets of 1.82%, a nonperforming-loan ratio of 0.11% and a Texas ratio of 0.73%. The figures come from its call report filed with the FFIEC.
Great Rivers Bank ranks as the 199th largest of the 319 banks based in Illinois, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 0.9% to $194.6M, loans rose 2.4% and deposits fell 3.6%. Its loan book on June 30, 2026 was led by farmland and other real estate loans, at 35.1% of total loans, followed by non-owner-occupied commercial real estate loans at 21.3%. Its 4 offices in the FDIC Summary of Deposits are in 4 cities across 2 states; its Barry office books 55% of its branch deposits. On its Q2 2026 call report, Great Rivers Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 694 Bainbridge St, Barry, IL 62312
- County
- Pike
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1901
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 34
- Domestic deposits
- $167.9M
- Allowance for credit losses
- $1.8M
- Net charge-offs (YTD)
- $2K
- Average total assets
- $195.7M
- Average total loans
- $158.6M
- Average interest-bearing deposits
- $131.0M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 3762
- Fed RSSD
- 857941
- Website
- www.greatriversbank.bank →
- Parent Holding Company
- FNB BARRY BANCORP, INC (RSSD 4805632)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Great Rivers Bank's total assets ran between $159.8M (Q1 2024) and $196.2M (Q1 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
$194.6M total assets against $187.3M; $172.5M total liabilities against $166.7M.
$159.6M net loans and leases against $153.3M; $167.9M total deposits against $154.2M.
$17.6M securities against $18.0M; $9.9M cash and balances due against $9.4M.
$2.9M total interest income against $2.7M; $823K total interest expense against $854K.
$2.0M net interest income against $1.8M.
$241K total noninterest income against $196K; $1.3M total noninterest expense against $1.3M.
$38K provision for credit losses against $29K.
$891K net income against $715K.
1.82% return on assets against 1.55%; 4.30% net interest margin against 4.12%.
12.45% CET1 capital ratio against 12.14%; 11.20% tier 1 leverage ratio against 11.15%.
Inside the full Great Rivers Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeGreat Rivers Bank rankings
Its closest position to the top of a national ranking is 720 of 3,611, for ROA; its furthest is 2,840 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.29% (Q4 2025) to 1.82% (Q2 2026) and its net interest margin ran from 3.83% (Q3 2024) to 4.30% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.45% | 1.82% | 0.11% | 0.73% | 4.30% |
| Q1 2026 | 12.31% | 1.81% | 0.14% | 0.97% | 4.14% |
| Q4 2025 | 11.71% | 0.29% | 0.10% | 0.76% | 4.04% |
| Q3 2025 | 12.08% | 1.47% | 0.02% | 0.16% | 4.05% |
| Q2 2025 | 12.14% | 1.55% | 0.06% | 0.46% | 4.12% |
| Q1 2025 | 12.04% | 1.44% | 0.03% | 0.20% | 3.88% |
| Q4 2024 | 12.07% | 0.40% | 0.03% | 0.22% | 3.93% |
| Q3 2024 | 12.42% | 1.51% | 0.03% | 0.23% | 3.83% |
Swipe the table sideways to see every column.
Branch Network
View all 4 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 |
|---|---|---|---|
| Great Rivers Bank (main office) | Barry , IL | 62312 | $92.4M |
| Pittsfield Branch | Pittsfield , IL | 62363 | $51.2M |
| Liberty Facility | Liberty , IL | 62347 | $14.1M |
| Great Rivers Bank Branch | Hannibal , MO | 63401 | $10.2M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IL, rank 251 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $5.0M approved, $5.0M average. 100.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2011 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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
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Frequently asked about Great Rivers Bank
What are Great Rivers Bank's total assets?
As of the Q2 2026 filing, Great Rivers Bank reported total assets of $194.6 million in its FFIEC call report.
Where is Great Rivers Bank headquartered?
It is headquartered in Barry, IL, United States.
When was Great Rivers Bank founded?
It was established in 1901, per the FDIC institution directory.
Is Great Rivers Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #3762). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Great Rivers Bank?
Great Rivers Bank's primary federal regulator is the FDIC.
What is Great Rivers Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.45% in its Q2 2026 call report, above regulatory requirements.
How many branches does Great Rivers Bank operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Great Rivers Bank's Texas Ratio?
Its Texas Ratio is 0.73% 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.
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