Granville National Bank, The
Granville, IL · Cert 13983 · Peer group: banks under $1B in assets in IL (n=149-151) · Granville Bancshares Inc.
National charter · OCC · 2 branches
Q2 2026
$118.4MAssets
$54.1MLoans
$105.1MDeposits
$12.7MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 76% of banks under $1B in assets in IL (rank 37 of 151).
- Widest gap: total risk-based capital ratio trails 87% of banks under $1B in assets in IL (rank 131 of 151).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.17%
Rank 61 of 151
Net Interest Margin
3.17%
Rank 103 of 151
Efficiency Ratio
54.58%
Rank 37 of 151
Equity / Assets
10.76%
Rank 70 of 151
Non-interest income vs. expense
Unfavorable gap of $1.9M · efficiency ratio beats 76% of banks under $1B in assets in IL | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.17% | 0.70% | 1.03% | 1.34% | Beats 60% | 61 / 151 | |
| Return on Equity | 10.86% | 6.74% | 9.34% | 12.94% | Beats 64% | 55 / 151 | |
| Net Interest Margin | 3.17% | 3.02% | 3.43% | 3.83% | Beats 32% | 103 / 151 | |
| Efficiency Ratio | 54.58% | 54.64% | 64.89% | 72.50% | Beats 76% | 37 / 151 | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.21% | 0.20% | 0.66% | 1.77% | Beats 18% | 123 / 149 | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.02% | 0.07% | Beats 68% | 49 / 149 | |
| Capital |
| Tier 1 Capital Ratio | 11.10% | 11.83% | 14.17% | 18.66% | Beats 16% | 127 / 151 | |
| Total Risk-Based Capital Ratio | 11.10% | 12.22% | 14.54% | 19.92% | Beats 13% | 131 / 151 | |
| Equity / Assets | 10.76% | 9.10% | 10.65% | 12.40% | Beats 54% | 70 / 151 | |
| Liquidity & Funding |
| Loans / Deposits | 51.48% | 54.39% | 71.02% | 80.75% | 18th pctl | 122 / 149 | |
| Loans / Assets | 45.73% | 45.91% | 61.31% | 68.01% | 23rd pctl | 116 / 151 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |