BlastPoint's Banking Scorecard
Grand Rivers Community Bank
Designations: ✓ Community bank
Grand Chain, IL
2 branches across IL
Grand Rivers Community Bank has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.56% above tier average
Key Concerns
Areas that may need attention
- - Return on Assets 4.17% below tier average
- - Efficiency Ratio 82.25% above tier average
- - Delinquency Rate 18.55% above tier average
- - Nonperforming Asset Ratio 13.17% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$15.1M
-17.0% YoY
-8.5% QoQ
|
-$47.0M |
$62.2M
-0.6% YoY
|
$2.3B
+4.5% YoY
|
$6.2B
+9.1% YoY
|
Bottom 2.2% in tier |
| Total Loans ? |
$10.6M
-13.1% YoY
-8.3% QoQ
|
-$23.6M |
$34.2M
-1.4% YoY
|
$1.2B
+5.3% YoY
|
$3.2B
+10.8% YoY
|
Bottom 11.8% in tier |
| Total Deposits ? |
$13.5M
-16.5% YoY
-8.7% QoQ
|
-$38.3M |
$51.7M
-0.7% YoY
|
$1.9B
+3.9% YoY
|
$4.8B
+8.2% YoY
|
Bottom 5.4% in tier |
| Return on Assets ? |
-3.33%
-154.5% YoY
-49.6% QoQ
|
-4.17% |
0.84%
-2.3% YoY
|
1.04%
+3.0% YoY
|
1.23%
+13.4% YoY
|
Bottom 3.5% in tier |
| Net Interest Margin ? |
4.42%
-1.5% YoY
+0.3% QoQ
|
+0.56% |
3.86%
+2.8% YoY
|
3.61%
+7.5% YoY
|
3.89%
+5.7% YoY
|
74% |
| Efficiency Ratio ? |
170.59%
+10.6% YoY
+11.2% QoQ
|
+82.25% |
88.34%
+0.3% YoY
|
63.68%
-7.4% YoY
|
66.95%
-4.1% YoY
|
Bottom 3.0% in tier |
| Delinquency Rate ? |
19.93%
+92.2% YoY
+19.3% QoQ
|
+18.55% |
1.37%
+33.8% YoY
|
1.15%
+15.6% YoY
|
0.95%
+18.8% YoY
|
Bottom 0.6% in tier |
| Loan-to-Deposit Ratio ? |
78.68%
+4.1% YoY
+0.5% QoQ
|
+14.47% |
64.22%
-0.7% YoY
|
71.92%
+1.0% YoY
|
76.70%
+0.9% YoY
|
29% |
| Non-Interest-Bearing Deposit Share ? |
22.91%
+5.4% YoY
-0.0% QoQ
|
-0.81% |
23.71%
+0.3% YoY
|
20.45%
-1.2% YoY
|
22.01%
-1.2% YoY
|
49% |
| Nonperforming Asset Ratio ? |
13.96%
+101.2% YoY
+19.6% QoQ
|
+13.17% |
0.79%
+28.2% YoY
|
0.78%
+18.1% YoY
|
0.67%
+19.3% YoY
|
Bottom 0.4% in tier |
| Tier 1 Capital Ratio ? |
10.82%
-10.8% YoY
+6.5% QoQ
|
-15.87% |
26.68%
+2.0% YoY
|
16.97%
+0.7% YoY
|
17.06%
+0.8% YoY
|
Bottom 11.5% in tier |
| Non-Interest Income / Assets ? |
0.20%
+39.0% YoY
-75.9% QoQ
|
-0.47% |
0.67%
+1.9% YoY
|
0.34%
+6.9% YoY
|
0.32%
+4.1% YoY
|
Top 11.6% in tier |
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Signature Analysis
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Metric Rankings
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