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Grand Rivers Community Bank
Grand Chain, IL · FDIC Certificate #10816 · Chartered 01/0
Total assets
$15.10M
Total deposits
$13.47M
Total equity
$1.30M
Net loans
$10.42M
Branches (offices)
2
Net income (YTD)
-$263.00K
Rank: #4,198 of 4,213 U.S. banks by assets · #321 of 322 in Illinois. Assets changed -14.0% and deposits -13.6% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | -3.37% |
| Return on equity | -38.67% |
| Net interest margin (YTD) | 4.39% |
| Equity to assets | 8.58% |
| Tier 1 leverage ratio | 8.44% |
| Uninsured deposits (share of deposits) | 21.6% |
| Noncurrent loans (share of loans) | 19.04% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 77.3% |
| Real estate loans (share of loans) | 60.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $6.31M | 60.6% | |
| Commercial & industrial | $3.42M | 32.8% | |
| Consumer / individual | $706.00K | 6.8% | |
| Construction & development | $0 | 0.0% | |
| Agricultural | $348.00K | 3.3% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $14.42M | $12.45M | -$289.00K | $1.49M |
| Jun 2023 | $20.16M | $17.61M | -$92.00K | $2.08M |
| Jun 2024 | $21.07M | $18.82M | -$283.00K | $1.82M |
| Jun 2025 | $17.56M | $15.59M | -$178.00K | $1.58M |
| Jun 2026 | $15.10M | $13.47M | -$263.00K | $1.30M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Illinois | $13.47M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $13.47M.
Similar-sized banks
Thrivent Trust Company ($15.47M) · Peoples State Bank ($13.91M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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