Great Rivers 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.
Reserve coverage of non-performing loans climbed 311.86 percentage points in Q2 2026, from 904.69% to 1216.55%. It was the largest change from Q1 2026 among the key lines here. Within Illinois, Great Rivers Bank is 46th of 323 on return on assets, 1.82% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Great Rivers Bank sits 0.57 points higher, at 1.82% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.45% |
| Tier 1 risk-based capital ratio | 12.45% |
| Total risk-based capital ratio | 13.47% |
| Tier 1 leverage ratio | 11.20% |
| Equity capital to assets | 11.35% |
| Tangible equity to tangible assets | 11.03% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.09% |
| Non-performing assets ratio | 0.07% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 0.73% |
| Allowance for credit losses to loans | 1.09% |
| Reserve coverage of non-performing loans | 1216.55% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.82% |
| Return on equity | 16.34% |
| Net interest margin | 4.30% |
| Efficiency ratio | 58.99% |
| Yield on earning assets | 6.04% |
| Cost of funds | 2.06% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 96.13% |
| Core deposits to total deposits | 85.70% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 86.29% |
| Securities to assets | 9.04% |
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 | 12.23% | 12.23% | 13.26% | 10.75% | 1.63% |
| Q4 2023 | 11.92% | 11.92% | 12.91% | 10.83% | 0.72% |
| Q1 2024 | 12.93% | 12.93% | 14.00% | 11.48% | 1.14% |
| Q2 2024 | 12.60% | 12.60% | 13.62% | 11.73% | 1.45% |
| Q3 2024 | 12.42% | 12.42% | 13.39% | 11.57% | 1.51% |
| Q4 2024 | 12.07% | 12.07% | 13.04% | 11.11% | 0.40% |
| Q1 2025 | 12.04% | 12.04% | 13.00% | 11.19% | 1.44% |
| Q2 2025 | 12.14% | 12.14% | 13.09% | 11.15% | 1.55% |
| Q3 2025 | 12.08% | 12.08% | 13.04% | 11.03% | 1.47% |
| Q4 2025 | 11.71% | 11.71% | 12.70% | 10.59% | 0.29% |
| Q1 2026 | 12.31% | 12.31% | 13.32% | 10.88% | 1.81% |
| Q2 2026 | 12.45% | 12.45% | 13.47% | 11.20% | 1.82% |
Great Rivers Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Great Rivers 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 Great Rivers Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3762) · FFIEC NIC profile (RSSD 857941)