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The Bank of Grain Valley

$100M-$1B Specialty: Commercial MO FDIC cert 8564

Grain Valley, MO

2 branches across 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 140 in MO.
  • Deposits +1.5% year over year ($85.3M on the books).
  • Delinquency rate 0.00%.
  • Return on assets 2.14%.
  • Efficiency ratio 53.10% vs a 64.48% peer average.
  • Loan-to-deposit ratio 77.09% 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 140 in MO
View $100M-$1B leaderboard (MO) →

The Bank of Grain Valley has 5 strengths but faces 2 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

  • + Deposit Franchise: Top 67.6% in tier
  • + Return on Assets 0.82% above tier average
  • + Delinquency Rate 0.92% below tier average
  • + Nonperforming Asset Ratio 0.67% below tier average
  • + Efficiency Ratio 11.38% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 24.0% in tier
  • - Non-Interest Income / Assets 0.54% below tier average
Get updates when The Bank of Grain Valley releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Total Assets ? $110.6M
+2.1% YoY +7.0% QoQ
-$275.9M $386.6M
+1.2% YoY
$1.6B
+6.4% YoY
$6.3B
+7.7% YoY
Bottom 2.9% in tier
Total Loans ? $65.8M
-0.5% YoY -5.7% QoQ
-$192.6M $258.3M
+1.7% YoY
$1.0B
+10.0% YoY
$3.2B
+9.4% YoY
Bottom 5.9% in tier
Total Deposits ? $85.3M
+1.5% YoY +8.6% QoQ
-$241.4M $326.7M
+0.7% YoY
$1.3B
+6.1% YoY
$4.9B
+7.3% YoY
Bottom 1.6% in tier
Return on Assets ? 2.14%
-0.3% YoY -0.8% QoQ
+0.82% 1.32%
+10.8% YoY
1.46%
+5.9% YoY
1.30%
+12.1% YoY
Top 10.0% in tier
Net Interest Margin ? 4.67%
+4.6% YoY -1.0% QoQ
+0.68% 3.99%
+5.0% YoY
4.55%
+0.7% YoY
3.95%
+4.9% YoY
85%
Efficiency Ratio ? 53.10%
+4.3% YoY -0.4% QoQ
-11.38% 64.48%
-3.2% YoY
59.57%
-3.2% YoY
70.05%
+2.5% YoY
76%
Delinquency Rate ? 0.00% -0.92% 0.92%
+15.7% YoY
0.82%
+12.6% YoY
0.98%
+16.3% YoY
Top 0.1% in tier
Loan-to-Deposit Ratio ? 77.09%
-2.0% YoY -13.2% QoQ
-0.86% 77.95%
+1.0% YoY
80.82%
+1.6% YoY
79.03%
+2.3% YoY
55%
Non-Interest-Bearing Deposit Share ? 34.06%
-3.5% YoY +3.2% QoQ
+12.03% 22.03%
-0.6% YoY
20.71%
-0.5% YoY
21.98%
-0.6% YoY
Top 10.6% in tier
Nonperforming Asset Ratio ? 0.00% -0.67% 0.67%
+16.4% YoY
0.67%
+14.9% YoY
0.69%
+15.8% YoY
Top 0.1% in tier
Tier 1 Capital Ratio ? 23.96%
+6.2% YoY +2.0% QoQ
+8.05% 15.91%
+1.4% YoY
15.38%
-1.1% YoY
17.09%
+0.8% YoY
Top 7.9% in tier
Non-Interest Income / Assets ? 0.02%
-9.0% YoY +51.8% QoQ
-0.54% 0.57%
+7.6% YoY
0.58%
+5.8% YoY
0.66%
+5.2% YoY
Bottom 2.0% 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 (MO) National Avg Tier Percentile
Noninterest-Bearing 34.1%
-1.2pp YoY
+1.0pp QoQ
 +11.9pp 22.1% 20.9% 22.2% 89%
Brokered Deposits n/a n/a 7.9% 7.4% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
C&I 18.2%
+2.4pp YoY
+0.5pp QoQ
 +6.6pp 11.6% 12.3% 12.5% 84%
CRE 39.7%
-4.9pp YoY
-5.0pp QoQ
 +0.2pp 39.5% 36.8% 41.4% 53%
1-4 Family 42.2%
+2.5pp YoY
+4.4pp QoQ
 +9.6pp 32.6% 31.9% 31.3% 73%
Consumer 1.4%
0.0pp YoY
+0.2pp QoQ
 -2.7pp 4.1% 4.1% 5.0% 37%

Capital

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 18.5% 19.7% n/a
Leverage Ratio 24.0%
+1.4pp YoY
+0.5pp QoQ
 +11.8pp 12.2% 11.6% 12.6% 98%
Total Capital Ratio n/a n/a 19.9% 19.6% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Full-Time Employees 15
0 YoY
0 QoQ
 -44 58 162 482 4%
Assets per Employee ($) $7.4M
+2.1% YoY
+7.0% QoQ
 -$143K $7.5M $8.0M $8.8M 59%
Branch Count 2
0 YoY
0 QoQ
 -3 4 10 18 11%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.3% 0.4% n/a
Nonaccrual n/a n/a 0.9% 0.8% 1.0% n/a
Allowance Coverage n/a n/a 24.15x 10.47x 20.23x n/a
Net Charge-off Rate (YTD) n/a n/a 0.1% 0.3% 0.2% n/a

Profitability

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
ROE 9.3%
-0.7pp YoY
0.0pp QoQ
 -2.9pp 12.2% 14.3% 11.6% 32%
Cost of Funds (YTD) 0.6%
0.0pp YoY
0.0pp QoQ
 -1.1pp 1.7% 1.8% 1.7% 3%
Net Income ($, YTD) $1.1M
-2.2% YoY
— QoQ
 -$1.4M $2.6M $11.3M $40.4M 31%

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)

Deposit Franchise

growth
#189 of 278 • Top 67.6% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature
Noninterest-Bearing Deposit Share: 34.06%
(Tier: 22.03%, National: 21.98%)
better than tier avg
Net Interest Margin: 4.67%
(Tier: 3.99%, National: 3.95%)
better than tier avg
278 of 278 Community banks match · 368 nationally
→ Stable -1 banks QoQ | QoQ rank declining

Concerns (1)

Liquidity Overhang

risk
#179 of 742 • Bottom 24.0% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 23.96%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 77.09%
(Tier: 77.95%, National: 79.03%)
better than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank declining

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)

1
Delinquency Rate
credit_quality
Value: 0.00%
Peer Median: 0.92%
#1 of 2633 Top 0.1% in $100M-$1B
1
Nonperforming Asset Ratio
credit_quality
Value: 0.00%
Peer Median: 0.67%
#1 of 2643 Top 0.1% in $100M-$1B
211
Tier 1 Capital Ratio
capital
Value: 23.96%
Peer Median: 15.91%
#211 of 2643 Top 7.9% in $100M-$1B
265
Return on Assets
profitability
Value: 2.14%
Peer Median: 1.32%
#265 of 2643 Top 10.0% in $100M-$1B
282
Non-Interest-Bearing Deposit Share
funding
Value: 34.06%
Peer Median: 22.03%
#282 of 2643 Top 10.6% in $100M-$1B
402
Net Interest Margin
profitability
Value: 4.67%
Peer Median: 3.99%
#402 of 2643 Top 15.2% in $100M-$1B
624
Efficiency Ratio
profitability
Value: 53.10%
Peer Median: 64.48%
#624 of 2643 Top 23.6% in $100M-$1B

Top Weaknesses (4 metrics)

2602
Total Deposits
size
Value: $85.31M
Peer Median: $326.73M
#2602 of 2643 Bottom 1.6% in $100M-$1B
2592
Non-Interest Income / Assets
revenue_mix
Value: 0.02%
Peer Median: 0.57%
#2592 of 2643 Bottom 2.0% in $100M-$1B
2567
Total Assets
size
Value: $110.62M
Peer Median: $386.57M
#2567 of 2643 Bottom 2.9% in $100M-$1B
2487
Total Loans
size
Value: $65.76M
Peer Median: $258.35M
#2487 of 2643 Bottom 5.9% in $100M-$1B
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