Grain Valley, MO · Cert 8564 · Grain Valley Bancshares Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets in the Kansas City, MO-KS area (n=39 to 40). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
90
Asset Quality
100
Profitability
54
Liquidity
85
Efficiency
70
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Grain Valley, MO · Cert 8564 · Grain Valley Bancshares Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Market Position · Kansas City, MO-KS · 2026 SOD (annual) · 0.1% share · #80 of 114 inst. · $0.1B of $99.1B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.66% | 1.68% | 1.69% | 1.70% | 1.75% | 1.71% | 1.71% | 1.69% | -1 bps | |
| Return on Equity | 8.02% | 8.09% | 8.00% | 7.89% | 7.95% | 7.71% | 7.37% | 7.36% | -53 bps | |
| Net Interest Margin | 4.32% | 4.29% | 4.31% | 4.38% | 4.50% | 4.54% | 4.58% | 4.63% | +25 bps | |
| Efficiency Ratio | 50.77% | 50.92% | 50.50% | 50.93% | 50.65% | 51.94% | 53.30% | 53.10% | +217 bps | |
| Non-Interest Burden | 2.17% | 2.16% | 2.15% | 2.21% | 2.25% | 2.33% | 2.41% | 2.44% | +23 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.61% | -1.96% | 3.12% | -0.98% | -4.44% | -1.54% | -6.33% | 2.07% | +305 bps | |
| Loan Growth (YoY) | -3.60% | -4.06% | -0.38% | -1.40% | 4.52% | 2.61% | 3.09% | -0.46% | +94 bps | |
| Deposit Growth (YoY) | -7.66% | -3.58% | 2.63% | -2.92% | -7.12% | -3.62% | -9.33% | 1.55% | +447 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.49% | 1.50% | 1.46% | 1.49% | 1.43% | 1.46% | 1.41% | 1.50% | +1 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 22.36% | 21.72% | 22.08% | 22.56% | 23.29% | 23.02% | 23.49% | 23.96% | +140 bps | |
| Total Risk-Based Capital | 22.36% | 21.72% | 22.08% | 22.56% | 23.29% | 23.02% | 23.49% | 23.96% | +140 bps | |
| Equity / Assets | 21.43% | 20.98% | 21.36% | 22.26% | 23.60% | 22.62% | 23.83% | 22.63% | +37 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 78.33% | 77.14% | 79.27% | 79.84% | 88.15% | 82.13% | 90.12% | 78.26% | -158 bps | |
| Liquid Assets / Assets | 19.64% | 19.79% | 18.56% | 17.58% | 13.27% | 17.99% | 13.31% | 21.85% | +427 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 128.10% | 125.38% | 125.29% | n/a | n/a | |
Grain Valley, MO · Cert 8564 · Peer group: banks under $1B in assets in the Kansas City, MO-KS area (n=39-40) · Grain Valley Bancshares Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Return on Assets
1.64%
Rank 13 of 40
Net Interest Margin
4.63%
Rank 9 of 40
Efficiency Ratio
53.10%
Rank 13 of 40
Equity / Assets
22.63%
Rank 3 of 40
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.64% | 1.02% | 1.39% | 1.86% | Beats 68% | 13 / 40 | ||
| Return on Equity | 7.26% | 10.74% | 14.78% | 21.32% | Beats 15% | 34 / 40 | ||
| Net Interest Margin | 4.63% | 3.33% | 4.05% | 4.63% | Beats 78% | 9 / 40 | ||
| Efficiency Ratio | 53.10% | 51.70% | 58.10% | 69.29% | Beats 70% | 13 / 40 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.05% | 0.20% | 1.11% | Beats 100% | 8 / 39 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.05% | Beats 100% | 15 / 39 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 23.96% | 11.32% | 12.27% | 16.94% | Beats 88% | 5 / 40 | ||
| Total Risk-Based Capital Ratio | 23.96% | 11.32% | 13.09% | 17.63% | Beats 88% | 5 / 40 | ||
| Equity / Assets | 22.63% | 8.41% | 10.10% | 12.34% | Beats 93% | 3 / 40 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 78.26% | 73.50% | 85.60% | 94.85% | 40th pctl | 24 / 40 | ||
| Loans / Assets | 60.35% | 62.75% | 69.87% | 79.23% | 20th pctl | 32 / 40 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||