Total Assets
$108M
Total balance-sheet footings
FDIC Cert #8564 · Grain Valley, Missouri · Est. 1905
The Bank of Grain Valley - FDIC Bank Health Profile
A community-scale look at The Bank of Grain Valley's own numbers, pulled straight from its quarterly FDIC Call Report.
- $108M
- Total assets
- A
- Health grade · Excellent
- 2.15%
- Return on assets
- 23.0%
- Tier 1 capital
Data updated July 2026
The verdict
The Bank of Grain Valley earns a PlainBankData health grade of A (97/100), with well-capitalized at 23.02% Tier 1, profitable at 2.15% ROA, efficient (52% cost ratio).
- #3,678
- largest of 4,313 FDIC banks by assets
- 15th
- percentile by asset size, nationally
- 23.02%
- Tier 1 ratio - above the 10% well-capitalized line
- 93rd
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How The Bank of Grain Valley's 97/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
The Bank of Grain Valley's composite health score
Tier 1 Capital Ratio (23.02%) 40/40
Return on Assets (ROA) (2.15%) 25/25
Texas Ratio (0.00%) 20/20
Efficiency Ratio (51.94%) 12/15
97 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$83M
Customer-funded liabilities
Net Loans
$67M
Outstanding loan book
Net Income
$2M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where The Bank of Grain Valley ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The Bank of Grain Valley's score of 97/100 falls in the highlighted band.
The Bank of Grain Valley'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). The Bank of Grain Valley's $108M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
23.02% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
23.02%
Texas Ratio
0.00%
Equity Capital
$24M
Profitability metrics
Return on Assets (ROA)
93rd percentile nationally
2.15%
Return on Equity (ROE)
9.72%
Efficiency Ratio
51.94%
What the numbers say about The Bank of Grain Valley
The Bank of Grain Valley is an FDIC-insured institution (Certificate #8564) headquartered in Grain Valley, Missouri, established in 1905. It holds $108M in total assets - 3,678th of 4,313 FDIC-insured banks, $83M in customer deposits, and $67M in net loans. On safety, its Tier 1 capital ratio of 23.02% is above the 10% well-capitalized threshold, and its Texas Ratio of 0.00% sits in the healthy range below 50%. It earns a PlainBankData health grade of A (97/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
By assets, The Bank of Grain Valley ranks 177th of 198 banks based in Missouri -- squarely in the community-bank tier. Size alone doesn't determine a bank's local importance; a bank this size often has deeper, longer-standing relationships with the specific businesses and depositors it serves than a much larger institution would.
Income & expense breakdown
$5M
Interest Income
$63K
Non-Interest Income
$3M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. The Bank of Grain Valley reports a Texas Ratio of 0.00% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.00% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Missouri by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) The Bank of Grain Valley (FDIC Cert #8564) - 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 Missouri
All Missouri banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| UMB Bank, National AssociationKansas City | $72.8B | A | 1.01% |
| Commerce BankKansas City | $32.7B | A | 1.74% |
| The Central Trust BankJefferson City | $20.8B | A | 1.82% |
| Stifel Bank and TrustSaint Louis | $19.4B | A | 1.82% |
| Enterprise Bank & TrustClayton | $17.3B | B | 1.29% |
| Stifel BankSaint Louis | $11.7B | A | 1.49% |
| First BankSt. Louis | $6.7B | B | 0.51% |
| Great Southern BankReeds Spring | $5.6B | A | 1.31% |
Frequently asked questions
What is The Bank of Grain Valley's health grade?▼
The Bank of Grain Valley receives a health grade of A (97/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is The Bank of Grain Valley?▼
The Bank of Grain Valley holds $108M in total assets and $83M in deposits, ranking 3,678th of 4,313 FDIC-insured banks by asset size. It is headquartered in Grain Valley, Missouri.
Is my money safe at The Bank of Grain Valley?▼
Yes, deposits at The Bank of Grain Valley (Certificate #8564) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is The Bank of Grain Valley's Tier 1 Capital Ratio?▼
The Bank of Grain Valley has a Tier 1 Capital Ratio of 23.02%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for The Bank of Grain Valley?▼
The Bank of Grain Valley has a Texas Ratio of 0.00%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is The Bank of Grain Valley?▼
The Bank of Grain Valley has an Efficiency Ratio of 51.94%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read The Bank of Grain Valley's profile as a depositor or analyst.
- The Bank of Grain Valley's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare The Bank of Grain Valley against other Missouri banks before moving funds. Missouri 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.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.