Grove 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: 381.35 percentage points higher than in Q1 2026, at 764.00%. Grove Bank has the 11th lowest return on assets of the 221 banks headquartered in Minnesota, at 0.36% as of Q2 2026. Against a median of 0.98% for banks in the < $100M asset tier, Grove Bank reported 0.36% on return on assets in Q2 2026, 0.63 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.08% |
| Tier 1 risk-based capital ratio | 12.08% |
| Total risk-based capital ratio | 12.94% |
| Tier 1 leverage ratio | 9.95% |
| Equity capital to assets | 12.48% |
| Tangible equity to tangible assets | 9.93% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.12% |
| Non-performing assets ratio | 0.09% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.86% |
| Allowance for credit losses to loans | 0.92% |
| Reserve coverage of non-performing loans | 764.00% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.36% |
| Return on equity | 2.87% |
| Net interest margin | 4.96% |
| Efficiency ratio | 90.15% |
| Yield on earning assets | 7.08% |
| Cost of funds | 2.06% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 91.07% |
| Core deposits to total deposits | 98.90% |
| Brokered deposits to total deposits | 0.55% |
| Deposits to assets | 80.55% |
| Securities to assets | 20.90% |
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 | 17.62% | 17.62% | 18.88% | 10.43% | 0.20% |
| Q4 2023 | 16.88% | 16.88% | 18.15% | 10.44% | -0.13% |
| Q1 2024 | 16.99% | 16.99% | 18.24% | 10.07% | 0.24% |
| Q2 2024 | 16.47% | 16.47% | 17.73% | 9.58% | 0.04% |
| Q3 2024 | 15.74% | 15.74% | 16.90% | 9.43% | -0.11% |
| Q4 2024 | 10.66% | 10.66% | 11.49% | 9.23% | -0.23% |
| Q1 2025 | 9.43% | 9.43% | 10.13% | 9.39% | -0.25% |
| Q2 2025 | 12.43% | 12.43% | 13.42% | 8.59% | -0.71% |
| Q3 2025 | 13.74% | 13.74% | 14.74% | 9.35% | 0.06% |
| Q4 2025 | 13.44% | 13.44% | 14.41% | 9.52% | 0.27% |
| Q1 2026 | 13.12% | 13.12% | 14.06% | 10.01% | 0.06% |
| Q2 2026 | 12.08% | 12.08% | 12.94% | 9.95% | 0.36% |
Grove Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Grove 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 Grove Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8857) · FFIEC NIC profile (RSSD 79257)