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Bank of Grain Valley, The

Grain Valley, MO · Cert 8564 · Grain Valley Bancshares Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$110.6MAssets
$66.8MLoans
$85.3MDeposits
$25.0MEquity
Loan mix
81%RE $57.6M17%C&I $12.3M1%Consumer $0.8MQ2 2025Q2 2026
Deposit mix
66%Interest-bearing $56.3M34%Noninterest $29.1MQ2 2025Q2 2026

NIM

4.91%Q2 ’244.98%Q2 ’255.22%Q2 ’26+1%+6%

Non-interest income vs. expense

2.25%Q2 ’242.26%Q2 ’252.49%Q2 ’26+0%+10%

Market Position · Kansas City, MO-KS · 2026 SOD (annual) · 0.1% share · #80 of 114 inst. · $0.1B of $99.1B

Executive Summary

  • Earnings: ROA of 1.69%, down 1 bps year over year; NIM at 4.63%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 23.96%, up 140 bps from a year ago.
  • Funding: loans stand at 78.26% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.69%-1 bps YoY

Net Interest Margin (YTD, annualized)

4.63%+25 bps YoY

Efficiency Ratio (YTD, annualized)

53.10%+217 bps YoY

Tier 1 Leverage Ratio

23.96%+140 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.70%1.75%1.71%1.71%1.69%-1 bps
Return on Equity7.89%7.95%7.71%7.37%7.36%-53 bps
Net Interest Margin4.38%4.50%4.54%4.58%4.63%+25 bps
Efficiency Ratio50.93%50.65%51.94%53.30%53.10%+217 bps
Non-Interest Burden2.21%2.25%2.33%2.41%2.44%+23 bps
Growth
Asset Growth (YoY)-0.98%-4.44%-1.54%-6.33%2.07%+305 bps
Loan Growth (YoY)-1.40%4.52%2.61%3.09%-0.46%+94 bps
Deposit Growth (YoY)-2.92%-7.12%-3.62%-9.33%1.55%+447 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.49%1.43%1.46%1.41%1.50%+1 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio22.56%23.29%23.02%23.49%23.96%+140 bps
Total Risk-Based Capital22.56%23.29%23.02%23.49%23.96%+140 bps
Equity / Assets22.26%23.60%22.62%23.83%22.63%+37 bps
Liquidity & Funding
Loans / Deposits79.84%88.15%82.13%90.12%78.26%-158 bps
Liquid Assets / Assets17.58%13.27%17.99%13.31%21.85%+427 bps
CRE / Total Capitaln/a128.10%125.38%125.29%n/an/a