Grand River Bank
Grandville, MI · Cert 58789 · Peer group: banks under $1B in assets (n=581-629) · Grand River Commerce Inc.
State charter, Fed member · FED · 2 branches
Q2 2026
$507.3MAssets
$428.4MLoans
$446.1MDeposits
$51.0MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets (rank 158 of 581).
- Widest gap: net interest margin trails 83% of banks under $1B in assets (rank 524 of 629).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
0.62%
Rank 468 of 629
Net Interest Margin
2.82%
Rank 524 of 629
Efficiency Ratio
79.05%
Rank 471 of 629
Equity / Assets
10.05%
Rank 378 of 629
Non-interest income vs. expense
Unfavorable gap of $11.2M · efficiency ratio beats 25% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.62% | 0.60% | 1.01% | 1.45% | Beats 26% | 468 / 629 | | |
| Return on Equity | 6.21% | 5.38% | 9.30% | 13.28% | Beats 29% | 447 / 629 | | |
| Net Interest Margin | 2.82% | 3.03% | 3.54% | 4.05% | Beats 17% | 524 / 629 | | |
| Efficiency Ratio | 79.05% | 58.35% | 67.79% | 79.08% | Beats 25% | 471 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.17% | 0.09% | 0.46% | 1.20% | Beats 67% | 191 / 581 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 100% | 158 / 581 | | |
| Capital |
| Tier 1 Capital Ratio | 12.89% | 11.24% | 13.84% | 18.77% | Beats 42% | 365 / 629 | | |
| Total Risk-Based Capital Ratio | 14.13% | 11.58% | 14.43% | 19.66% | Beats 47% | 333 / 629 | | |
| Equity / Assets | 10.05% | 9.09% | 10.65% | 13.80% | Beats 40% | 378 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 96.04% | 67.24% | 80.90% | 93.48% | 80th pctl | 117 / 594 | | |
| Loans / Assets | 84.46% | 53.31% | 67.71% | 78.15% | 91st pctl | 57 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |