BlastPoint's Banking Scorecard
Grand Ridge National Bank
Wheaton, 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 211 in IL.
- Deposits +3.7% year over year ($379.4M on the books).
- Delinquency rate 0.77%.
- Return on assets 1.72%.
- Efficiency ratio 52.88% vs a 64.48% peer average.
- Loan-to-deposit ratio 87.98% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Grand Ridge National Bank demonstrates 4 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.34% above tier average
- + ROA 0.39% above tier average
- + Efficiency Ratio 11.60% below tier average
- + Delinquency Rate 0.15% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$443.3M
+5.0% YoY
+3.7% QoQ
|
+$56.7M |
$386.6M
+1.2% YoY
|
$2.4B
+4.3% YoY
|
$6.3B
+7.7% YoY
|
66% |
| Total Loans ? |
$333.8M
+9.1% YoY
+1.7% QoQ
|
+$75.5M |
$258.3M
+1.7% YoY
|
$1.3B
+4.4% YoY
|
$3.2B
+9.4% YoY
|
72% |
| Total Deposits ? |
$379.4M
+3.7% YoY
+3.8% QoQ
|
+$52.7M |
$326.7M
+0.7% YoY
|
$1.9B
+3.7% YoY
|
$4.9B
+7.3% YoY
|
67% |
| Return on Assets ? |
1.72%
+11.6% YoY
+5.6% QoQ
|
+0.39% |
1.32%
+10.8% YoY
|
1.12%
+2.8% YoY
|
1.30%
+12.1% YoY
|
77% |
| Net Interest Margin ? |
5.32%
+4.2% YoY
+2.1% QoQ
|
+1.34% |
3.99%
+5.0% YoY
|
3.68%
+7.2% YoY
|
3.95%
+4.9% YoY
|
Top 4.2% in tier |
| Efficiency Ratio ? |
52.88%
-7.7% YoY
-2.2% QoQ
|
-11.60% |
64.48%
-3.2% YoY
|
63.11%
-4.5% YoY
|
70.05%
+2.5% YoY
|
77% |
| Delinquency Rate ? |
0.77%
+84.8% YoY
+35.5% QoQ
|
-0.15% |
0.92%
+15.7% YoY
|
1.19%
+6.2% YoY
|
0.98%
+16.3% YoY
|
35% |
| Loan-to-Deposit Ratio ? |
87.98%
+5.2% YoY
-2.0% QoQ
|
+10.03% |
77.95%
+1.0% YoY
|
72.86%
+0.7% YoY
|
79.03%
+2.3% YoY
|
31% |
| Non-Interest-Bearing Deposit Share ? |
26.08%
+4.8% YoY
+4.1% QoQ
|
+4.05% |
22.03%
-0.6% YoY
|
20.01%
-0.1% YoY
|
21.98%
-0.6% YoY
|
70% |
| Nonperforming Asset Ratio ? |
0.58%
+92.0% YoY
+32.9% QoQ
|
-0.09% |
0.67%
+16.4% YoY
|
0.81%
+6.3% YoY
|
0.69%
+15.8% YoY
|
36% |
| Tier 1 Capital Ratio ? |
13.77%
+6.9% YoY
+1.7% QoQ
|
-2.14% |
15.91%
+1.4% YoY
|
17.17%
+1.3% YoY
|
17.09%
+0.8% YoY
|
56% |
| Non-Interest Income / Assets ? |
0.07%
+5.7% YoY
+58.6% QoQ
|
-0.49% |
0.57%
+7.6% YoY
|
0.68%
+1.1% YoY
|
0.66%
+5.2% YoY
|
Bottom 10.9% in tier |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
26.1%
+1.2pp YoY +1.0pp QoQ |
+3.9pp | 22.1% | 20.1% | 22.2% | 70% |
| Brokered Deposits |
5.0%
-1.6pp YoY +1.4pp QoQ |
-2.8pp | 7.9% | 8.0% | 8.5% | 52% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
5.3%
-1.9pp YoY 0.0pp QoQ |
-6.3pp | 11.6% | 14.7% | 12.5% | 22% |
| CRE |
88.7%
+2.8pp YoY -0.1pp QoQ |
+49.2pp | 39.5% | 37.9% | 41.4% | 99% |
| 1-4 Family |
6.7%
-0.9pp YoY +0.1pp QoQ |
-25.9pp | 32.6% | 28.3% | 31.3% | 7% |
| Consumer | n/a | n/a | 4.1% | 5.4% | 5.0% | n/a |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 19.9% | 19.7% | n/a |
| Leverage Ratio |
13.8%
+0.9pp YoY +0.2pp QoQ |
+1.6pp | 12.2% | 12.2% | 12.6% | 80% |
| Total Capital Ratio | n/a | n/a | 19.9% | 20.9% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
36
-2 (-5.3%) YoY -2 (-5.3%) QoQ |
-23 | 58 | 228 | 482 | 36% |
| Assets per Employee ($) |
$12.3M
+10.8% YoY +9.5% QoQ |
+$4.8M | $7.5M | $8.3M | $8.8M | 93% |
| Branch Count |
2
0 YoY 0 QoQ |
-3 | 4 | 10 | 18 | 11% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | 0.5% | +0.1pp | 0.3% | 0.4% | 0.4% | 81% |
| Nonaccrual |
0.3%
-0.1pp YoY -0.3pp QoQ |
-0.6pp | 0.9% | 1.1% | 1.0% | 39% |
| Allowance Coverage |
1.41x
-48.1% YoY -26.7% QoQ |
-22.74x | 24.15x | 5.62x | 20.23x | 38% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.1% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
12.8%
+1.2pp YoY +0.5pp QoQ |
+0.7pp | 12.2% | 10.5% | 11.6% | 55% |
| Cost of Funds (YTD) |
1.9%
-0.3pp YoY 0.0pp QoQ |
+0.2pp | 1.7% | 1.6% | 1.7% | 65% |
| Net Income ($, YTD) |
$3.8M
+22.4% YoY — QoQ |
+$1.2M | $2.6M | $11.7M | $40.4M | 78% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.