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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.71% | 1.72% | 1.69% | 1.70% | 1.85% | 1.58% | 1.71% | 1.71% | +1 bps | |
| Return on Equity | 8.12% | 8.10% | 8.00% | 7.79% | 8.08% | 6.83% | 7.37% | 7.37% | -42 bps | |
| Net Interest Margin | 4.39% | 4.43% | 4.31% | 4.43% | 4.61% | 4.60% | 4.58% | 4.66% | +23 bps | |
| Efficiency Ratio | 49.87% | 51.35% | 50.50% | 51.36% | 50.12% | 55.74% | 53.30% | 52.91% | +155 bps | |
| Non-Interest Burden | 2.17% | 2.26% | 2.15% | 2.25% | 2.27% | 2.54% | 2.41% | 2.45% | +20 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 | |