BlastPoint's Banking Scorecard

Great Rivers Bank

$100M-$1B Specialty: Agricultural IL FDIC cert 3762

Barry, IL

4 branches across IL · MO

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 +8.9% year over year ($167.9M on the books).
Delinquency rate 0.11%.
Return on assets 1.83%.
Efficiency ratio 58.25% vs a 64.48% peer average.
Loan-to-deposit ratio 95.08% 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) →

Great Rivers Bank has 4 strengths but faces 3 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

+ Profitability Leader: Top 44.6% in tier
+ Net Interest Margin 0.31% above tier average
+ Efficiency Ratio 6.23% below tier average
+ Delinquency Rate 0.81% below tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 9.8% in tier
- Credit Quality Pressure: Bottom 10.8% in tier
- Liquidity Strain: Bottom 29.4% in tier

Get updates when Great Rivers 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 ?	$194.6M +3.9% YoY -0.9% QoQ	-$192.0M	$386.6M +1.2% YoY	$2.4B +4.3% YoY	$6.3B +7.7% YoY	25%
Total Loans ?	$159.6M +4.1% YoY +2.4% QoQ	-$98.7M	$258.3M +1.7% YoY	$1.3B +4.4% YoY	$3.2B +9.4% YoY	38%
Total Deposits ?	$167.9M +8.9% YoY -3.6% QoQ	-$158.9M	$326.7M +0.7% YoY	$1.9B +3.7% YoY	$4.9B +7.3% YoY	26%
Return on Assets ?	1.83% +23.4% YoY +0.1% QoQ	+0.51%	1.32% +10.8% YoY	1.12% +2.8% YoY	1.30% +12.1% YoY	81%
Net Interest Margin ?	4.30% +6.5% YoY +2.2% QoQ	+0.31%	3.99% +5.0% YoY	3.68% +7.2% YoY	3.95% +4.9% YoY	71%
Efficiency Ratio ?	58.25% -9.5% YoY +1.5% QoQ	-6.23%	64.48% -3.2% YoY	63.11% -4.5% YoY	70.05% +2.5% YoY	62%
Delinquency Rate ?	0.11% +68.4% YoY -24.2% QoQ	-0.81%	0.92% +15.7% YoY	1.19% +6.2% YoY	0.98% +16.3% YoY	73%
Loan-to-Deposit Ratio ?	95.08% -4.4% YoY +6.3% QoQ	+17.13%	77.95% +1.0% YoY	72.86% +0.7% YoY	79.03% +2.3% YoY	16%
Non-Interest-Bearing Deposit Share ?	16.23% +1.9% YoY -6.2% QoQ	-5.81%	22.03% -0.6% YoY	20.01% -0.1% YoY	21.98% -0.6% YoY	28%
Nonperforming Asset Ratio ?	0.09% +68.7% YoY -21.7% QoQ	-0.58%	0.67% +16.4% YoY	0.81% +6.3% YoY	0.69% +15.8% YoY	73%
Tier 1 Capital Ratio ?	12.45% +2.6% YoY +1.1% QoQ	-3.46%	15.91% +1.4% YoY	17.17% +1.3% YoY	17.09% +0.8% YoY	41%
Non-Interest Income / Assets ?	0.24% -5.6% YoY +112.4% QoQ	-0.33%	0.57% +7.6% YoY	0.68% +1.1% YoY	0.66% +5.2% YoY	60%

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	16.2% +0.3pp YoY -1.1pp QoQ	-5.9pp	22.1%	20.1%	22.2%	28%
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	8.0% -0.9pp YoY +0.4pp QoQ	-3.6pp	11.6%	14.7%	12.5%	40%
CRE	n/a	n/a	39.5%	37.9%	41.4%	n/a
1-4 Family	8.2% +1.4pp YoY +0.4pp QoQ	-24.4pp	32.6%	28.3%	31.3%	9%
Consumer	2.8% -0.2pp YoY -0.4pp QoQ	-1.3pp	4.1%	5.4%	5.0%	58%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
CET1 Ratio	12.4% +0.3pp YoY +0.1pp QoQ	-6.4pp	18.8%	19.9%	19.7%	22%
Leverage Ratio	11.2% 0.0pp YoY +0.3pp QoQ	-1.0pp	12.2%	12.2%	12.6%	54%
Total Capital Ratio	13.5% +0.4pp YoY +0.1pp QoQ	-6.5pp	19.9%	20.9%	20.8%	21%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Full-Time Employees	34 +1 (+3.0%) YoY 0 QoQ	-25	58	228	482	33%
Assets per Employee ($)	$5.7M +0.8% YoY -0.9% QoQ	-$1.8M	$7.5M	$8.3M	$8.8M	27%
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	0.0% 0.0pp YoY 0.0pp QoQ	-0.3pp	0.3%	0.4%	0.4%	22%
Nonaccrual	0.1% +0.1pp YoY 0.0pp QoQ	-0.8pp	0.9%	1.1%	1.0%	17%
Allowance Coverage	10.38x -36.9% YoY +30.8% QoQ	-13.78x	24.15x	5.62x	20.23x	82%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	34%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
ROE	16.5% +2.9pp YoY -0.2pp QoQ	+4.3pp	12.2%	10.5%	11.6%	75%
Cost of Funds (YTD)	1.8% -0.1pp YoY 0.0pp QoQ	+0.1pp	1.7%	1.6%	1.7%	59%
Net Income ($, YTD)	$1.8M +31.4% YoY — QoQ	-$775K	$2.6M	$11.7M	$40.4M	48%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 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 (1)

Profitability Leader

growth

#296 of 661 • Top 44.6% in tier

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

Why this signature

Return on Assets: 1.83%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable

Concerns (3)

Credit Risk Growth

risk

#93 of 936 • Bottom 9.8% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally

→ Stable -58 banks QoQ | QoQ rank improving

Credit Quality Pressure

risk

#136 of 1256 • Bottom 10.8% in tier

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

Why this signature

Delinquency Rate: 0.11%

(Tier: 0.92%, National: 0.98%)

better than tier avg

1256 of 1256 Community banks match · 1820 nationally

→ Stable -71 banks QoQ | QoQ rank improving

Liquidity Strain

risk

#204 of 691 • Bottom 29.4% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 95.08%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

691 of 691 Community banks match · 1092 nationally

→ Stable +81 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).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (1 metrics)

503

Return on Assets

profitability

Value: 1.83%

Peer Median: 1.32%

#503 of 2643 Top 19.0% in $100M-$1B

Top Weaknesses (1 metrics)

2216

Loan-to-Deposit Ratio

liquidity

Value: 95.08%

Peer Median: 77.95%

#2216 of 2643 Bottom 16.2% in $100M-$1B