Total Assets
$17M
Total balance-sheet footings
FDIC Cert #10816 · Grand Chain, Illinois · Est. 1902
Grand Rivers Community Bank - FDIC Bank Health Profile
Free, sourced directly from the FDIC BankFind Suite and quarterly Call Report, capital, profitability, and safety metrics, refreshed each quarter.
- $17M
- Total assets
- F
- Health grade · At Risk
- -2.23%
- Return on assets
- 10.2%
- Tier 1 capital
The verdict
Grand Rivers Community Bank earns a PlainBankData health grade of F (28/100), with well-capitalized at 10.16% Tier 1, -2.23% ROA, 153% efficiency ratio.
- #4,291
- largest of 4,313 FDIC banks by assets
- 0th
- percentile by asset size, nationally
- 10.16%
- Tier 1 ratio - above the 10% well-capitalized line
- 1st
- percentile for profitability (ROA), nationally
Health grades are PlainBankData's interpretation of FDIC Call Report data — not official FDIC ratings. Every dollar on deposit remains FDIC-insured to $250,000 per depositor, per category, regardless of grade.
Balance sheet at a glance
Total Deposits
$15M
Customer-funded liabilities
Net Loans
$12M
Outstanding loan book
Net Income
$-393K
Bottom-line earnings
Capital adequacy vs federal thresholds
Basel III capital ratios - Grand Rivers Community Bank
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
10.16% of risk-weighted assets — above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
Core capital ÷ risk-weighted assets. Well-capitalized: ≥10%
10.16%
Texas Ratio
Non-performing loans ÷ equity. Danger zone: >100%
96.17%
Equity Capital
Tangible book value as a capital buffer
$1M
Profitability metrics
Return on Assets (ROA)
Net income ÷ assets. Healthy: ≥1% · 0.8th pct nationally
-2.23%
Return on Equity (ROE)
Net income ÷ equity. Industry avg: ~10%
-24.39%
Efficiency Ratio
Operating costs ÷ revenue. Efficient: <60%
153.40%
What the numbers say about Grand Rivers Community Bank
Grand Rivers Community Bank is an FDIC-insured institution (Certificate #10816) headquartered in Grand Chain, Illinois, established in 1902. It holds $17M in total assets — 4,291st of 4,313 FDIC-insured banks, $15M in customer deposits, and $12M in net loans. On safety, its Tier 1 capital ratio of 10.16% is above the 10% well-capitalized threshold, and its Texas Ratio of 96.17% sits above the 50% level analysts watch. It earns a PlainBankData health grade of F (28/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Not financial advice. Health grades are PlainBankData's interpretation of regulatory filings, not official FDIC ratings or predictions. Every dollar on deposit is FDIC-insured to $250,000 per depositor, per ownership category — regardless of grade.
Income & expense breakdown
$921K
Interest Income
$136K
Non-Interest Income
$1M
Non-Interest Expense
Asset quality — Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Grand Rivers Community Bank reports a Texas Ratio of 96.17% — elevated — troubled assets are consuming a meaningful share of capital and reserves.
Texas Ratio
Caution 50%
96.17% — lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
What to watch at Grand Rivers Community Bank
Grand Rivers Community Bank's grade of F reflects specific pressure points in the FDIC Call Report. Its Texas Ratio of 96.17% sits above the 50% level analysts flag, meaning non-performing loans are consuming a meaningful share of loss-absorbing capital. The bank reported negative net income of $-393K for the period — a loss that, if sustained, erodes the equity cushion.
Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at Grand Rivers Community Bank up to $250,000 per depositor, per ownership category. A weak grade signals institutional financial stress for analysts — it is not a prediction of failure, and it does not affect insured-deposit safety.
FDIC deposit insurance
Grand Rivers Community Bank is FDIC-insured (Certificate #10816). Your deposits are protected up to $250,000 per depositor, per account category regardless of this bank's health grade.
Top banks in Illinois by total assets
Source: FDIC BankFind Suite — Call Report (FFIEC 031/041) Grand Rivers Community Bank (FDIC Cert #10816) — Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Illinois
All Illinois banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| BMO Bank National AssociationChicago | $252.1B | A | 0.95% |
| The Northern Trust CompanyChicago | $176.4B | B | 1.02% |
| CIBC Bank USAChicago | $64.0B | A | 1.47% |
| Busey BankChampaign | $18.1B | A | 0.92% |
| Byline BankChicago | $9.6B | A | 1.47% |
| Wintrust Bank, National AssociationChicago | $9.6B | A | 1.88% |
| Lake Forest Bank & Trust Company, National AssociationLake Forest | $9.4B | A | 2.20% |
| First American BankElk Grove Village | $8.1B | A | 1.72% |
Frequently asked questions
What is Grand Rivers Community Bank's health grade?▼
Grand Rivers Community Bank receives a health grade of F (28/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank has significant financial challenges. All deposits remain FDIC-insured up to $250,000.
How large is Grand Rivers Community Bank?▼
Grand Rivers Community Bank holds $17M in total assets and $15M in deposits, ranking 4,291st of 4,313 FDIC-insured banks by asset size. It is headquartered in Grand Chain, Illinois.
Is my money safe at Grand Rivers Community Bank?▼
Yes. Grand Rivers Community Bank is FDIC-insured (Certificate #10816). Your deposits are protected up to $250,000 per depositor, per account category, regardless of the bank's health grade. If a bank fails, the FDIC typically makes insured deposits available within one business day.
What is Grand Rivers Community Bank's Tier 1 Capital Ratio?▼
Grand Rivers Community Bank has a Tier 1 Capital Ratio of 10.16%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Grand Rivers Community Bank?▼
Grand Rivers Community Bank has a Texas Ratio of 96.17%. A ratio above 50% suggests elevated credit risk. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Grand Rivers Community Bank?▼
Grand Rivers Community Bank has an Efficiency Ratio of 153.40%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Grand Rivers Community Bank's profile as a depositor or analyst.
- Grand Rivers Community Bank's grade reflects capital, profitability, and asset quality — read the four pillars before drawing conclusions. How grades work
- Deposits are FDIC-insured to $250,000 per depositor, per category — confirm your coverage if balances are large. FDIC insurance explained
- Compare Grand Rivers Community Bank against other Illinois banks before moving funds. Illinois banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Data compiled from the Federal Deposit Insurance Corporation (FDIC) (FDIC BankFind Suite, Call Report FFIEC 031/041). See our methodology for the full ETL pipeline, source vintage, and column lineage.
Disclaimer: Provided for informational purposes only; not professional advice. Consult a qualified professional before making decisions based on this data.
Read our methodology — how this data is sourced, computed, and verified.