FDIC Cert #10816 · Grand Chain, Illinois · Est. 1902

Grand Rivers Community Bank - FDIC Bank Health Profile

This profile flags real pressure points from the bank's own quarterly Call Report, read past the headline grade before drawing conclusions.

Compiled from official public sources by the publisher.
$17M
Total assets
F
Health grade · At Risk
-2.23%
Return on assets
10.2%
Tier 1 capital

Data updated July 2026

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

A weak grade is PlainBankData's own read of the Call Report data, not an official FDIC rating, and it does not change your insurance coverage: every dollar stays protected to $250,000 per depositor, per category.

FDIC Call Report plate

Cert 10816 · IL F · 28/100

GRADE-F · BOTTOM-DECILE · PHOTO-FINISH · TIER1-WELL · TEXAS-WATCH · ROA-LOSS · SIZE-COMMUNITY · BOOK-FULL

  • GRADE-F F (28/100)
  • BOTTOM-DECILE #4282/4307
  • PHOTO-FINISH Unity Bank · WI
  • TIER1-WELL 10.2% Tier 1
  • TEXAS-WATCH 96.2% Texas
  • ROA-LOSS -2.23% ROA
  • SIZE-COMMUNITY <$100M
  • BOOK-FULL 9/9 fields

Nearest health peer outside Illinois: Unity Bank, WI (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Grand Rivers Community Bank

Lowest and highest poles plus nearest scored peers outside Illinois, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Bank of Vici · OK · near28/100Carver Federal Savin… · NY ·…28/100Grand Rivers Communi… · IL ·…28/100Lamont Bank of St. J… · WA ·…28/100Unity Bank · WI · near28/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Grand Rivers Community Bank · July 2026

Call Report read for Grand Rivers Community Bank in a high-failure state

Grand Rivers Community Bank (FDIC Cert #10816) carries a PlainBankData health grade of F at 28/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #4,282 of 4,307. Tier 1 capital prints at 10.16%, clearing the 10% well-capitalized line. The Texas Ratio is 96.17%, above the 50% watch level where troubled assets press the capital cushion. Return on assets is -2.23%. Balance-sheet scale is $17M, 4,291st of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Unity Bank (WI), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Grand Rivers Community Bank

71 FAILURE resolutions in Illinois since 2000, heavy vs the state corpus

Grand Rivers Community Bank sits in one of the heavier post-2000 FAILURE states (71 resolutions; latest year 2026). The list below is state history from the Failed Bank List, not a claim about Grand Rivers Community Bank's current Call Report.

  • METROPOLITAN CAPITAL B&T CHICAGO, IL 2026 → FIRST INDEPENDENCE BANK
  • PULASKI SAVINGS BANK CHICAGO, IL 2025 → MILLENNIUM BANK
  • FAYETTE COUNTY BANK SAINT ELMO, IL 2017 → UNITED FIDELITY BANK, FSB

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Illinois banks.

How Grand Rivers Community Bank's 28/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10028/100
Grand Rivers Community Bank's composite health score
Tier 1 Capital Ratio (10.16%) 28/40
Return on Assets (ROA) (-2.23%) 0/25
Texas Ratio (96.17%) 0/20
Efficiency Ratio (153.40%) 0/15

28 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$17M

Total balance-sheet footings

Total Deposits

$15M

Customer-funded liabilities

Net Loans

$12M

Outstanding loan book

Net Income

$-393K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 8.76% 10.16% 11.56%
Basel III capital ratios - Grand Rivers Community Bank

Where Grand Rivers Community Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Grand Rivers Community Bank's score of 28/100 falls in the highlighted band.

Grand Rivers Community Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

28 1st percentile higher than 1% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). This entry sits in this band. 30–40: 36 FDIC-insured banks (1%). Above this entry. 40–50: 98 FDIC-insured banks (2%). Above this entry. 50–60: 279 FDIC-insured banks (6%). Above this entry. 60–70: 777 FDIC-insured banks (18%). Above this entry. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Grand Rivers Community Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Grand Rivers Community Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Grand Rivers Community Bank's $17M falls in the highlighted band.

Capital & credit buffers at Grand Rivers Community Bank

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
10.16%
Texas Ratio
96.17%
Equity Capital
$1M

What these ratios mean →

Profitability metrics: Grand Rivers Community Bank

Return on Assets (ROA)
1st percentile nationally
-2.23%
Return on Equity (ROE)
-24.39%
Efficiency Ratio
153.40%

What these mean →

Income & expense: loss period at Grand Rivers Community Bank

$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 Failed Bank List → View Grand Rivers Community Bank on FDIC BankFind →

Top banks in Illinois by total assets

Largest banks headquartered in Illinois
  1. 1
    BMO Bank $252.1B

    Chicago, IL · Grade A

  2. 2
    The Northern Trust Company $176.4B

    Chicago, IL · Grade B

  3. 3
    CIBC Bank USA $64.0B

    Chicago, IL · Grade A

  4. 4
    Busey Bank $18.1B

    Champaign, IL · Grade A

  5. 5
    Byline Bank $9.6B

    Chicago, IL · Grade A

Top 5 banks in Illinois ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($17M here), outside Illinois so the neighborhood is not state containment.

Prescott State Bank $17M · KS Thrivent Trust Company $16M · WI Dysart State Bank $17M · IA Young Americans Bank $16M · CO

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.

Grand Rivers Community Bank Call Report profile · FDIC Failed Bank List · Illinois FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Illinois

All Illinois banks →
BankAssetsGradeROA
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%