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Grand River Bank

$100M-$1B Specialty: Commercial MI FDIC cert 58789

Grandville, MI

2 branches across MI

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 47 in MI.
  • Deposits +3.5% year over year ($446.1M on the books).
  • Delinquency rate 0.17%.
  • Return on assets 0.62%.
  • Efficiency ratio 79.05% vs a 64.48% peer average.
  • Loan-to-deposit ratio 94.95% 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 47 in MI
View $100M-$1B leaderboard (MI) →

Grand River Bank has 1 strength but faces 7 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

  • + Delinquency Rate 0.75% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 3.0% in tier
  • - Flatlined Growth: Bottom 7.6% in tier
  • - Credit Quality Pressure: Bottom 15.6% in tier
  • - Net Interest Margin 1.12% below tier average
  • - Non-Interest Income / Assets 0.50% below tier average
  • - ROA 0.70% below tier average
  • - Efficiency Ratio 14.57% above tier average
Get updates when Grand River Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (MI) National Avg Tier Percentile
Total Assets ? $507.3M
-0.8% YoY -0.6% QoQ
+$120.7M $386.6M
+1.2% YoY
$1.0B
+6.5% YoY
$6.3B
+7.7% YoY
73%
Total Loans ? $423.6M
-6.3% YoY -2.5% QoQ
+$165.2M $258.3M
+1.7% YoY
$767.2M
+9.2% YoY
$3.2B
+9.4% YoY
81%
Total Deposits ? $446.1M
+3.5% YoY +1.4% QoQ
+$119.4M $326.7M
+0.7% YoY
$806.0M
+5.9% YoY
$4.9B
+7.3% YoY
74%
Return on Assets ? 0.62%
+111.2% YoY -2.4% QoQ
-0.70% 1.32%
+10.8% YoY
1.18%
+20.1% YoY
1.30%
+12.1% YoY
16%
Net Interest Margin ? 2.87%
+6.1% YoY +2.1% QoQ
-1.12% 3.99%
+5.0% YoY
4.06%
+4.7% YoY
3.95%
+4.9% YoY
Bottom 6.9% in tier
Efficiency Ratio ? 79.05%
-10.8% YoY -2.5% QoQ
+14.57% 64.48%
-3.2% YoY
65.90%
-5.4% YoY
70.05%
+2.5% YoY
Bottom 14.6% in tier
Delinquency Rate ? 0.17%
+68.8% YoY -18.1% QoQ
-0.75% 0.92%
+15.7% YoY
0.85%
+32.2% YoY
0.98%
+16.3% YoY
67%
Loan-to-Deposit Ratio ? 94.95%
-9.4% YoY -3.8% QoQ
+17.00% 77.95%
+1.0% YoY
80.02%
+3.0% YoY
79.03%
+2.3% YoY
16%
Non-Interest-Bearing Deposit Share ? 21.69%
+1.9% YoY +8.3% QoQ
-0.34% 22.03%
-0.6% YoY
25.55%
-0.4% YoY
21.98%
-0.6% YoY
53%
Nonperforming Asset Ratio ? 0.14%
+59.5% YoY -19.6% QoQ
-0.53% 0.67%
+16.4% YoY
0.65%
+27.6% YoY
0.69%
+15.8% YoY
66%
Tier 1 Capital Ratio ? 12.89%
+10.5% YoY +4.0% QoQ
-3.01% 15.91%
+1.4% YoY
20.80%
-0.9% YoY
17.09%
+0.8% YoY
46%
Non-Interest Income / Assets ? 0.07%
+12.2% YoY +139.4% QoQ
-0.50% 0.57%
+7.6% YoY
0.38%
+3.3% YoY
0.66%
+5.2% YoY
Bottom 9.4% 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 (MI) National Avg Tier Percentile
Noninterest-Bearing 21.7%
+0.4pp YoY
+1.7pp QoQ
 -0.5pp 22.1% 25.9% 22.2% 53%
Brokered Deposits 13.8%
-3.0pp YoY
-1.0pp QoQ
 +6.0pp 7.9% 12.3% 8.5% 84%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (MI) National Avg Tier Percentile
C&I 7.9%
-0.1pp YoY
+0.6pp QoQ
 -3.6pp 11.6% 12.8% 12.5% 40%
CRE 70.6%
+0.3pp YoY
-0.5pp QoQ
 +31.0pp 39.5% 45.9% 41.4% 93%
1-4 Family 21.8%
-0.3pp YoY
0.0pp QoQ
 -10.8pp 32.6% 33.6% 31.3% 34%
Consumer 0.2%
0.0pp YoY
0.0pp QoQ
 -4.0pp 4.1% 4.6% 5.0% 7%

Capital

Metric Current vs Tier Tier Avg State Avg (MI) National Avg Tier Percentile
CET1 Ratio 12.9%
+1.2pp YoY
+0.5pp QoQ
 -5.9pp 18.8% 26.9% 19.7% 26%
Leverage Ratio 10.2%
+0.5pp YoY
+0.3pp QoQ
 -2.0pp 12.2% 12.3% 12.6% 35%
Total Capital Ratio 14.1%
+1.2pp YoY
+0.5pp QoQ
 -5.8pp 19.9% 27.9% 20.8% 28%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MI) National Avg Tier Percentile
Full-Time Employees 62
-1 (-1.6%) YoY
+1 (+1.6%) QoQ
 +3 58 134 482 65%
Assets per Employee ($) $8.2M
+0.8% YoY
-2.2% QoQ
 +$664K $7.5M $6.8M $8.8M 70%
Branch Count 2
0 YoY
0 QoQ
 -3 4 9 18 11%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (MI) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.2% 0.4% n/a
Nonaccrual 0.2%
+0.1pp YoY
0.0pp QoQ
 -0.8pp 0.9% 0.8% 1.0% 27%
Allowance Coverage 6.70x
-39.3% YoY
+22.0% QoQ
 -17.46x 24.15x 6.79x 20.23x 76%
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 (MI) National Avg Tier Percentile
ROE 6.3%
+3.2pp YoY
-0.2pp QoQ
 -5.9pp 12.2% 11.7% 11.6% 18%
Cost of Funds (YTD) 2.3%
-0.3pp YoY
0.0pp QoQ
 +0.6pp 1.7% 1.5% 1.7% 84%
Net Income ($, YTD) $1.6M
+108.8% YoY
— QoQ
 -$972K $2.6M $7.3M $40.4M 44%

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 (3)

Liquidity Strain

risk
#22 of 691 • Bottom 3.0% 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: 94.95%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank improving

Flatlined Growth

risk
#41 of 529 • Bottom 7.6% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 0.62%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
529 of 529 Community banks match · 719 nationally
→ Stable +34 banks QoQ | QoQ rank declining

Credit Quality Pressure

risk
#197 of 1256 • Bottom 15.6% in tier

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

Why this signature
Delinquency Rate: 0.17%
(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

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 (1 metrics)

491
Total Loans
size
Value: $423.57M
Peer Median: $258.35M
#491 of 2643 Top 18.5% in $100M-$1B

Top Weaknesses (5 metrics)

2461
Net Interest Margin
profitability
Value: 2.87%
Peer Median: 3.99%
#2461 of 2643 Bottom 6.9% in $100M-$1B
2395
Non-Interest Income / Assets
revenue_mix
Value: 0.07%
Peer Median: 0.57%
#2395 of 2643 Bottom 9.4% in $100M-$1B
2259
Efficiency Ratio
profitability
Value: 79.05%
Peer Median: 64.48%
#2259 of 2643 Bottom 14.6% in $100M-$1B
2228
Return on Assets
profitability
Value: 0.62%
Peer Median: 1.32%
#2228 of 2643 Bottom 15.7% in $100M-$1B
2212
Loan-to-Deposit Ratio
liquidity
Value: 94.95%
Peer Median: 77.95%
#2212 of 2643 Bottom 16.3% in $100M-$1B
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