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Grundy Bank

$100M-$1B Specialty: Other IL FDIC cert 3713

Morris, IL

4 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 +7.0% year over year ($449.3M on the books).
  • Delinquency rate 0.20%.
  • Return on assets 2.92%.
  • Efficiency ratio 44.94% vs a 64.48% peer average.
  • Loan-to-deposit ratio 54.78% vs a 77.95% peer average.

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

2643 banks in the $100M-$1B peer group nationally 211 in IL
View $100M-$1B leaderboard (IL) →

Grundy Bank has 5 strengths but faces 1 concern

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

  • + Revenue Diversifier: Top 29.8% in tier
  • + Profitability Leader: Top 41.8% in tier
  • + Efficiency Ratio 19.53% below tier average
  • + Net Interest Margin 0.53% above tier average
  • + Delinquency Rate 0.71% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 30.4% in tier
Get updates when Grundy 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 ? $504.7M
+7.3% YoY +34.7% QoQ
+$118.1M $386.6M
+1.2% YoY
$2.4B
+4.3% YoY
$6.3B
+7.7% YoY
72%
Total Loans ? $246.1M
-3.6% YoY -1.4% QoQ
-$12.2M $258.3M
+1.7% YoY
$1.3B
+4.4% YoY
$3.2B
+9.4% YoY
58%
Total Deposits ? $449.3M
+7.0% YoY +40.5% QoQ
+$122.6M $326.7M
+0.7% YoY
$1.9B
+3.7% YoY
$4.9B
+7.3% YoY
75%
Return on Assets ? 2.92%
+0.7% YoY -12.4% QoQ
+1.60% 1.32%
+10.8% YoY
1.12%
+2.8% YoY
1.30%
+12.1% YoY
Top 2.3% in tier
Net Interest Margin ? 4.52%
-1.6% YoY -9.0% QoQ
+0.53% 3.99%
+5.0% YoY
3.68%
+7.2% YoY
3.95%
+4.9% YoY
80%
Efficiency Ratio ? 44.94%
+2.0% YoY +4.3% QoQ
-19.53% 64.48%
-3.2% YoY
63.11%
-4.5% YoY
70.05%
+2.5% YoY
Top 9.0% in tier
Delinquency Rate ? 0.20% -0.71% 0.92%
+15.7% YoY
1.19%
+6.2% YoY
0.98%
+16.3% YoY
65%
Loan-to-Deposit Ratio ? 54.78%
-9.9% YoY -29.9% QoQ
-23.17% 77.95%
+1.0% YoY
72.86%
+0.7% YoY
79.03%
+2.3% YoY
Top 12.3% in tier
Non-Interest-Bearing Deposit Share ? 32.41%
-5.1% YoY -30.8% QoQ
+10.38% 22.03%
-0.6% YoY
20.01%
-0.1% YoY
21.98%
-0.6% YoY
Top 13.6% in tier
Nonperforming Asset Ratio ? 0.10% -0.57% 0.67%
+16.4% YoY
0.81%
+6.3% YoY
0.69%
+15.8% YoY
71%
Tier 1 Capital Ratio ? 22.43%
+16.8% YoY +1.6% QoQ
+6.52% 15.91%
+1.4% YoY
17.17%
+1.3% YoY
17.09%
+0.8% YoY
Top 9.7% in tier
Non-Interest Income / Assets ? 0.36%
-4.5% YoY +48.8% QoQ
-0.21% 0.57%
+7.6% YoY
0.68%
+1.1% YoY
0.66%
+5.2% YoY
81%

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 32.4%
-1.7pp YoY
-14.4pp QoQ
 +10.3pp 22.1% 20.1% 22.2% 86%
Brokered Deposits n/a n/a 7.9% 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 12.1%
+1.5pp YoY
+0.5pp QoQ
 +0.5pp 11.6% 14.7% 12.5% 64%
CRE 36.0%
-1.0pp YoY
-0.8pp QoQ
 -3.5pp 39.5% 37.9% 41.4% 45%
1-4 Family 34.5%
-0.1pp YoY
+0.2pp QoQ
 +1.9pp 32.6% 28.3% 31.3% 60%
Consumer 0.7%
-0.1pp YoY
0.0pp QoQ
 -3.4pp 4.1% 5.4% 5.0% 20%

Capital

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
CET1 Ratio 22.4%
+3.2pp YoY
+0.4pp QoQ
 +3.6pp 18.8% 19.9% 19.7% 84%
Leverage Ratio 12.6%
+0.9pp YoY
-0.9pp QoQ
 +0.5pp 12.2% 12.2% 12.6% 72%
Total Capital Ratio 23.7%
+3.2pp YoY
+0.4pp QoQ
 +3.7pp 19.9% 20.9% 20.8% 85%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Full-Time Employees 57
+5 (+9.6%) YoY
-8 (-12.3%) QoQ
 -2 58 228 482 60%
Assets per Employee ($) $8.9M
-2.1% YoY
+53.6% QoQ
 +$1.3M $7.5M $8.3M $8.8M 78%
Branch Count 4
0 YoY
0 QoQ
 -1 4 10 18 42%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Past Due 90+ Days 0.2% -0.2pp 0.3% 0.4% 0.4% 62%
Nonaccrual 0.0% -0.9pp 0.9% 1.1% 1.0% 8%
Allowance Coverage 5.61x -18.55x 24.15x 5.62x 20.23x 72%
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 23.0%
-0.9pp YoY
-0.6pp QoQ
 +10.8pp 12.2% 10.5% 11.6% 94%
Cost of Funds (YTD) 0.7%
-0.1pp YoY
0.0pp QoQ
 -1.1pp 1.7% 1.6% 1.7% 3%
Net Income ($, YTD) $6.1M
+6.8% YoY
— QoQ
 +$3.5M $2.6M $11.7M $40.4M 92%

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 (2)

Revenue Diversifier

growth
#198 of 661 • Top 29.8% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 0.36%
(Tier: 0.57%, National: 0.66%)
but worse than tier avg
Return on Assets: 2.92%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

Profitability Leader

growth
#277 of 661 • Top 41.8% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 2.92%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

Concerns (1)

Credit Quality Pressure

risk
#383 of 1256 • Bottom 30.4% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.20%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ

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 2643 peers in $100M-$1B

Top Strengths (7 metrics)

61
Return on Assets
profitability
Value: 2.92%
Peer Median: 1.32%
#61 of 2643 Top 2.3% in $100M-$1B
239
Efficiency Ratio
profitability
Value: 44.94%
Peer Median: 64.48%
#239 of 2643 Top 9.0% in $100M-$1B
257
Tier 1 Capital Ratio
capital
Value: 22.43%
Peer Median: 15.91%
#257 of 2643 Top 9.7% in $100M-$1B
327
Loan-to-Deposit Ratio
liquidity
Value: 54.78%
Peer Median: 77.95%
#327 of 2643 Top 12.3% in $100M-$1B
361
Non-Interest-Bearing Deposit Share
funding
Value: 32.41%
Peer Median: 22.03%
#361 of 2643 Top 13.6% in $100M-$1B
508
Non-Interest Income / Assets
revenue_mix
Value: 0.36%
Peer Median: 0.57%
#508 of 2643 Top 19.2% in $100M-$1B
518
Net Interest Margin
profitability
Value: 4.52%
Peer Median: 3.99%
#518 of 2643 Top 19.6% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available
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