Grand Rivers Community Bank
Grand Chain, IL · Cert 10816 · Peer group: banks under $1B in assets in IL (n=149-151) · Main Street Bancshares Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
$15.1MAssets
$10.5MLoans
$13.5MDeposits
$1.2MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in IL (rank 27 of 149).
- Widest gap: nonperforming loans / loans trails 99% of banks under $1B in assets in IL (rank 149 of 149).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
-3.49%
Rank 150 of 151
Net Interest Margin
4.01%
Rank 26 of 151
Efficiency Ratio
169.39%
Rank 151 of 151
Equity / Assets
8.28%
Rank 128 of 151
Non-interest income vs. expense
Unfavorable gap of $1.1M · efficiency ratio beats 1% of banks under $1B in assets in IL | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | -3.49% | 0.70% | 1.03% | 1.34% | Beats 1% | 150 / 151 | | |
| Return on Equity | -42.22% | 6.74% | 9.34% | 12.94% | Beats 1% | 150 / 151 | | |
| Net Interest Margin | 4.01% | 3.02% | 3.43% | 3.83% | Beats 83% | 26 / 151 | | |
| Efficiency Ratio | 169.39% | 54.64% | 64.89% | 72.50% | Beats 1% | 151 / 151 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 15.59% | 0.20% | 0.66% | 1.77% | Beats 1% | 149 / 149 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.02% | 0.07% | Beats 100% | 27 / 149 | | |
| Capital |
| Tier 1 Capital Ratio | 10.50% | 11.83% | 14.17% | 18.66% | Beats 7% | 140 / 151 | | |
| Total Risk-Based Capital Ratio | 11.75% | 12.22% | 14.54% | 19.92% | Beats 19% | 123 / 151 | | |
| Equity / Assets | 8.28% | 9.10% | 10.65% | 12.40% | Beats 15% | 128 / 151 | | |
| Liquidity & Funding |
| Loans / Deposits | 78.09% | 54.39% | 71.02% | 80.75% | 67th pctl | 49 / 149 | | |
| Loans / Assets | 69.88% | 45.91% | 61.31% | 68.01% | 80th pctl | 30 / 151 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |