Grand Ridge National Bank
Wheaton, IL · Cert 3674 · Peer group: banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=56-57) · Premier Commerce Bcorp Inc.
National charter · OCC · 2 branches
Q2 2026
$443.3MAssets
$337.4MLoans
$379.4MDeposits
$60.6MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 98% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 1 of 57).
- Widest gap: net charge-offs / loans trails 61% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 35 of 56).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.70%
Rank 5 of 57
Net Interest Margin
5.29%
Rank 1 of 57
Efficiency Ratio
52.88%
Rank 9 of 57
Equity / Assets
13.67%
Rank 22 of 57
Non-interest income vs. expense
Unfavorable gap of $11.8M · efficiency ratio beats 86% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.70% | 0.51% | 0.84% | 1.19% | Beats 91% | 5 / 57 | |
| Return on Equity | 12.44% | 3.13% | 7.76% | 11.40% | Beats 82% | 10 / 57 | |
| Net Interest Margin | 5.29% | 3.16% | 3.63% | 4.08% | Beats 98% | 1 / 57 | |
| Efficiency Ratio | 52.88% | 59.57% | 69.70% | 81.06% | Beats 86% | 9 / 57 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.76% | 0.06% | 0.34% | 1.78% | Beats 39% | 35 / 56 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.01% | Beats 39% | 35 / 56 | |
| Capital |
| Tier 1 Capital Ratio | 13.77% | 12.24% | 16.06% | 19.69% | Beats 44% | 32 / 57 | |
| Total Risk-Based Capital Ratio | 13.77% | 12.54% | 16.50% | 20.95% | Beats 40% | 34 / 57 | |
| Equity / Assets | 13.67% | 9.37% | 11.56% | 15.00% | Beats 61% | 22 / 57 | |
| Liquidity & Funding |
| Loans / Deposits | 88.93% | 66.29% | 85.59% | 95.16% | 60th pctl | 23 / 57 | |
| Loans / Assets | 76.11% | 57.07% | 71.07% | 78.13% | 70th pctl | 17 / 57 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |