Grundy 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: 942.95 percentage points lower than in Q1 2026, at 1345.24%. Among 323 Illinois banks, Grundy Bank sits 5th from the top on return on assets, 3.01% as of Q2 2026. Grundy Bank's return on assets of 3.01% is well above the 1.25% median for banks in the $100M-1B asset tier, a gap of 1.75 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 22.43% |
| Tier 1 risk-based capital ratio | 22.43% |
| Total risk-based capital ratio | 23.68% |
| Tier 1 leverage ratio | 12.62% |
| Equity capital to assets | 10.57% |
| Tangible equity to tangible assets | 9.87% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.08% |
| Non-performing assets ratio | 0.04% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 1.21% |
| Allowance for credit losses to loans | 1.13% |
| Reserve coverage of non-performing loans | 1345.24% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 3.01% |
| Return on equity | 22.38% |
| Net interest margin | 4.82% |
| Efficiency ratio | 46.60% |
| Yield on earning assets | 5.57% |
| Cost of funds | 0.85% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 55.41% |
| Core deposits to total deposits | 99.54% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 89.03% |
| Securities to assets | 11.10% |
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 | 19.24% | 19.24% | 20.49% | 10.70% | 2.73% |
| Q4 2023 | 17.39% | 17.39% | 18.65% | 10.74% | 2.58% |
| Q1 2024 | 18.79% | 18.79% | 20.04% | 11.53% | 3.02% |
| Q2 2024 | 18.74% | 18.74% | 19.99% | 11.75% | 3.23% |
| Q3 2024 | 18.75% | 18.75% | 20.00% | 10.42% | 2.73% |
| Q4 2024 | 19.39% | 19.39% | 20.64% | 12.33% | 2.91% |
| Q1 2025 | 19.56% | 19.56% | 20.81% | 12.80% | 3.25% |
| Q2 2025 | 19.20% | 19.20% | 20.45% | 11.68% | 2.99% |
| Q3 2025 | 19.10% | 19.10% | 20.36% | 11.51% | 2.96% |
| Q4 2025 | 20.46% | 20.46% | 21.71% | 12.89% | 2.98% |
| Q1 2026 | 22.07% | 22.07% | 23.32% | 13.53% | 3.38% |
| Q2 2026 | 22.43% | 22.43% | 23.68% | 12.62% | 3.01% |
Grundy Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Grundy 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 Grundy Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3713) · FFIEC NIC profile (RSSD 715144)