Grundy Bank
Morris, IL · Cert 3713 · Peer group: banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=56-57) · Illinois Valley Bcorp Inc.
State charter, Fed member · FED · 4 branches
Q2 2026
$504.7MAssets
$249.0MLoans
$449.3MDeposits
$53.4MEquity
Executive Summary
- Strongest standing: return on equity outperforms 98% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 1 of 57).
- Widest gap: equity / assets trails 60% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 34 of 57).
- Overall: at or above the peer median on 8 of 9 directional measures.
Return on Assets
1.92%
Rank 2 of 57
Net Interest Margin
4.61%
Rank 4 of 57
Efficiency Ratio
44.94%
Rank 5 of 57
Equity / Assets
10.57%
Rank 34 of 57
Non-interest income vs. expense
Unfavorable gap of $6.1M · efficiency ratio beats 93% 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 | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.92% | 0.51% | 0.84% | 1.19% | Beats 96% | 2 / 57 | | |
| Return on Equity | 18.12% | 3.13% | 7.76% | 11.40% | Beats 98% | 1 / 57 | | |
| Net Interest Margin | 4.61% | 3.16% | 3.63% | 4.08% | Beats 93% | 4 / 57 | | |
| Efficiency Ratio | 44.94% | 59.57% | 69.70% | 81.06% | Beats 93% | 5 / 57 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.20% | 0.06% | 0.34% | 1.78% | Beats 57% | 25 / 56 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.01% | Beats 52% | 28 / 56 | | |
| Capital |
| Tier 1 Capital Ratio | 22.43% | 12.24% | 16.06% | 19.69% | Beats 79% | 12 / 57 | | |
| Total Risk-Based Capital Ratio | 23.68% | 12.54% | 16.50% | 20.95% | Beats 79% | 12 / 57 | | |
| Equity / Assets | 10.57% | 9.37% | 11.56% | 15.00% | Beats 40% | 34 / 57 | | |
| Liquidity & Funding |
| Loans / Deposits | 55.41% | 66.29% | 85.59% | 95.16% | 12th pctl | 50 / 57 | | |
| Loans / Assets | 49.33% | 57.07% | 71.07% | 78.13% | 16th pctl | 48 / 57 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |