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Grundy Bank
Morris, IL · FDIC Certificate #3713 · Chartered 09/1
Total assets
$504.71M
Total deposits
$449.33M
Total equity
$53.36M
Net loans
$246.13M
Branches (offices)
4
Net income (YTD)
$6.10M
Rank: #1,776 of 4,213 U.S. banks by assets · #101 of 322 in Illinois. Assets changed 7.3% and deposits 7.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.92% |
| Return on equity | 23.04% |
| Net interest margin (YTD) | 4.52% |
| Equity to assets | 10.57% |
| Tier 1 leverage ratio | 12.62% |
| Uninsured deposits (share of deposits) | 47.2% |
| Noncurrent loans (share of loans) | 0.20% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 54.8% |
| Real estate loans (share of loans) | 79.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $196.02M | 79.6% | |
| Commercial & industrial | $29.71M | 12.1% | |
| Consumer / individual | $1.68M | 0.7% | |
| Construction & development | $25.09M | 10.2% | |
| Agricultural | $17.10M | 6.9% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $391.24M | $352.65M | $2.26M | $37.31M |
| Jun 2023 | $453.31M | $410.43M | $5.12M | $41.27M |
| Jun 2024 | $354.35M | $309.08M | $5.34M | $43.54M |
| Jun 2025 | $470.33M | $419.91M | $5.71M | $48.37M |
| Jun 2026 | $504.71M | $449.33M | $6.10M | $53.36M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Illinois | $449.33M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $449.33M.
Similar-sized banks
Cornerstone Bank ($504.94M) · Peoples Bank ($503.47M)
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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