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Grand Rivers Community Bank

under $100M Specialty: Commercial IL FDIC cert 10816

Designations: ✓ Community bank

Grand Chain, IL

2 branches across IL

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 536 banks in the under $100M peer group nationwide — 1 of 60 in IL.
  • Deposits -13.6% year over year ($13.5M on the books).
  • Delinquency rate 20.05%.
  • Return on assets -3.37%.
  • Efficiency ratio 169.39% vs a 119.40% peer average.
  • Loan-to-deposit ratio 77.33% vs a 74.21% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

536 banks in the under $100M peer group nationally 60 in IL
View under $100M leaderboard (IL) →

Grand Rivers Community Bank has 2 strengths but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Non-Interest Income / Assets 0.90% below tier average
  • + Net Interest Margin 0.48% above tier average

Key Concerns

Areas that may need attention

  • - Return on Assets 4.37% below tier average
  • - Efficiency Ratio 50.00% above tier average
  • - Delinquency Rate 18.57% above tier average
  • - Nonperforming Asset Ratio 12.99% above tier average
Get updates when Grand Rivers Community Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Total Assets ? $15.1M
-14.0% YoY -0.3% QoQ
-$47.3M $62.4M
-0.0% YoY
$2.4B
+4.3% YoY
$6.3B
+7.7% YoY
Bottom 2.1% in tier
Total Loans ? $10.4M
-8.8% YoY -1.8% QoQ
-$24.5M $34.9M
-0.6% YoY
$1.3B
+4.4% YoY
$3.2B
+9.4% YoY
Bottom 11.6% in tier
Total Deposits ? $13.5M
-13.6% YoY -0.1% QoQ
-$38.2M $51.6M
-0.2% YoY
$1.9B
+3.7% YoY
$4.9B
+7.3% YoY
Bottom 5.8% in tier
Return on Assets ? -3.37%
-71.2% YoY -1.2% QoQ
-4.37% 1.00%
+3.5% YoY
1.12%
+2.8% YoY
1.30%
+12.1% YoY
Bottom 3.2% in tier
Net Interest Margin ? 4.39%
-2.1% YoY -0.5% QoQ
+0.48% 3.91%
+2.3% YoY
3.68%
+7.2% YoY
3.95%
+4.9% YoY
71%
Efficiency Ratio ? 169.39%
+10.0% YoY -0.7% QoQ
+50.00% 119.40%
+49.6% YoY
63.11%
-4.5% YoY
70.05%
+2.5% YoY
Bottom 3.4% in tier
Delinquency Rate ? 20.05%
+15.9% YoY +0.6% QoQ
+18.57% 1.48%
+31.8% YoY
1.19%
+6.2% YoY
0.98%
+16.3% YoY
Bottom 0.6% in tier
Loan-to-Deposit Ratio ? 77.33%
+5.6% YoY -1.7% QoQ
+3.12% 74.21%
+12.6% YoY
72.86%
+0.7% YoY
79.03%
+2.3% YoY
34%
Non-Interest-Bearing Deposit Share ? 22.12%
-5.8% YoY -3.4% QoQ
-1.36% 23.49%
+0.6% YoY
20.01%
-0.1% YoY
21.98%
-0.6% YoY
46%
Nonperforming Asset Ratio ? 13.83%
+22.9% YoY -0.9% QoQ
+12.99% 0.84%
+23.0% YoY
0.81%
+6.3% YoY
0.69%
+15.8% YoY
Bottom 0.6% in tier
Tier 1 Capital Ratio ? 10.66%
-4.3% YoY -1.4% QoQ
-16.46% 27.13%
+3.0% YoY
17.17%
+1.3% YoY
17.09%
+0.8% YoY
Bottom 10.4% in tier
Non-Interest Income / Assets ? 0.48%
+30.8% YoY +140.6% QoQ
-0.90% 1.38%
+6.3% YoY
0.68%
+1.1% YoY
0.66%
+5.2% YoY
Top 9.1% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Noninterest-Bearing 22.1%
-1.4pp YoY
-0.8pp QoQ
 -2.5pp 24.6% 20.1% 22.2% 43%
Brokered Deposits n/a n/a 9.8% 8.0% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
C&I 32.8%
+0.7pp YoY
+0.3pp QoQ
 +19.4pp 13.4% 14.7% 12.5% 94%
CRE n/a n/a 25.2% 37.9% 41.4% n/a
1-4 Family 7.6%
-0.4pp YoY
-0.2pp QoQ
 -27.4pp 35.0% 28.3% 31.3% 17%
Consumer 6.8%
-2.8pp YoY
-1.0pp QoQ
 -0.9pp 7.7% 5.4% 5.0% 63%

Capital

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
CET1 Ratio 10.7%
-0.5pp YoY
-0.2pp QoQ
 -28.0pp 38.7% 19.9% 19.7% 3%
Leverage Ratio 8.4%
-0.2pp YoY
+0.1pp QoQ
 -9.3pp 17.7% 12.2% 12.6% 6%
Total Capital Ratio 12.0%
-0.5pp YoY
-0.1pp QoQ
 -27.7pp 39.7% 20.9% 20.8% 4%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Full-Time Employees 7
0 YoY
0 QoQ
 -5 12 228 482 20%
Assets per Employee ($) $2.2M
-14.0% YoY
-0.3% QoQ
 -$4.0M $6.2M $8.3M $8.8M 4%
Branch Count 2
0 YoY
0 QoQ
 +0 1 10 18 63%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Past Due 90+ Days 1.8%
-1.0pp YoY
0.0pp QoQ
 +0.8pp 1.0% 0.4% 0.4% 86%
Nonaccrual 18.3%
+3.7pp YoY
+0.1pp QoQ
 +16.5pp 1.7% 1.1% 1.0% 99%
Allowance Coverage 0.26x
-5.4% YoY
+1.2% QoQ
 -6.15x 6.41x 5.62x 20.23x 6%
Net Charge-off Rate (YTD) n/a n/a 0.2% 0.1% 0.2% n/a

Profitability

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
ROE -38.7%
-17.5pp YoY
-0.8pp QoQ
 -45.1pp 6.4% 10.5% 11.6% 2%
Cost of Funds (YTD) 1.1%
-0.4pp YoY
0.0pp QoQ
 -0.3pp 1.4% 1.6% 1.7% 31%
Net Income ($, YTD) $-263000.0
-47.8% YoY
— QoQ
 -$581K $317,817 $11.7M $40.4M 6%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 536 peers in under $100M

Top Strengths (1 metrics)

50
Non-Interest Income / Assets
revenue_mix
Value: 0.48%
Peer Median: 1.38%
#50 of 536 Top 9.1% in under $100M

Top Weaknesses (8 metrics)

534
Nonperforming Asset Ratio
credit_quality
Value: 13.83%
Peer Median: 0.84%
#534 of 536 Bottom 0.6% in under $100M
515
Delinquency Rate
credit_quality
Value: 20.05%
Peer Median: 1.48%
#515 of 517 Bottom 0.6% in under $100M
526
Total Assets
size
Value: $15.10M
Peer Median: $62.44M
#526 of 536 Bottom 2.1% in under $100M
520
Return on Assets
profitability
Value: -3.37%
Peer Median: 1.00%
#520 of 536 Bottom 3.2% in under $100M
519
Efficiency Ratio
profitability
Value: 169.39%
Peer Median: 119.40%
#519 of 536 Bottom 3.4% in under $100M
506
Total Deposits
size
Value: $13.47M
Peer Median: $51.62M
#506 of 536 Bottom 5.8% in under $100M
481
Tier 1 Capital Ratio
capital
Value: 10.66%
Peer Median: 27.13%
#481 of 536 Bottom 10.4% in under $100M
475
Total Loans
size
Value: $10.42M
Peer Median: $34.89M
#475 of 536 Bottom 11.6% in under $100M
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