BlastPoint's Banking Scorecard
Grand Rivers Community Bank
Micro
Specialty: Commercial
IL
FDIC cert 10816
Designations: ✓ Community bank
Grand Chain, IL
2498
banks in Micro tier nationally
227 in IL
View Micro leaderboard (IL) →
Grand Rivers Community Bank faces 4 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Return on Assets 3.31% below tier
- - Efficiency Ratio 85.67% above tier
- - Delinquency Rate 16.06% above tier
- - Nonperforming Asset Ratio 11.21% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$16.6M
-10.2% YoY
-5.3% QoQ
|
-$200.9M |
$217.5M
+2.3% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
Bottom 1% in tier |
| Total Loans ? |
$11.6M
-9.7% YoY
-4.9% QoQ
|
-$127.6M |
$139.2M
+2.8% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
Bottom 3% in tier |
| Total Deposits ? |
$14.8M
-9.4% YoY
-5.0% QoQ
|
-$168.9M |
$183.7M
+1.8% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
Bottom 2% in tier |
| Return on Assets ? |
-2.23%
-37.4% YoY
-5.0% QoQ
|
-3.31% |
1.08%
+14.7% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
Bottom 1% in tier |
| Net Interest Margin ? |
4.41%
-10.5% YoY
+1.9% QoQ
|
+0.55% |
3.85%
+6.6% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
76% |
| Efficiency Ratio ? |
153.40%
+36.0% YoY
-0.3% QoQ
|
+85.67% |
67.73%
-4.8% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
Bottom 1% in tier |
| Delinquency Rate ? |
16.70%
+298.1% YoY
+2.4% QoQ
|
+16.06% |
0.64%
+24.4% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
78.32%
-0.3% YoY
+0.1% QoQ
|
+3.80% |
74.53%
+0.5% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
46% |
| Non-Interest-Bearing Deposit Share ? |
22.91%
+1.1% YoY
+10.8% QoQ
|
+0.52% |
22.39%
-1.3% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
55% |
| Nonperforming Asset Ratio ? |
11.66%
+300.3% YoY
+2.7% QoQ
|
+11.21% |
0.45%
+25.1% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? |
10.16%
-13.3% YoY
-10.8% QoQ
|
+1.30% |
8.85%
-3.4% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
52% |
| Non-Interest Income / Assets ? |
0.82%
+8.9% YoY
+36.7% QoQ
|
+0.26% |
0.56%
+0.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
Top 12% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (4)
Return on Assets
metric
Bottom 1%
in Micro
Why this stands out
Current:
-2.23%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
153.40%
(Tier avg: 67.73%, National avg: 65.09%)
Delinquency Rate
metric
Bottom 1%
in Micro
Why this stands out
Current:
16.70%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
11.66%
(Tier avg: 0.45%, National avg: 0.48%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
88
88th pctile
Non-Interest Income / Assets
Current: 0.82% · Tier avg: 0.56%
76
76th pctile
Net Interest Margin
Current: 4.41% · Tier avg: 3.85%
55
55th pctile
Non-Interest-Bearing Deposit Share
Current: 22.91% · Tier avg: 22.39%
52
52th pctile
Tier 1 Capital Ratio
Current: 10.16% · Tier avg: 8.85%
46
46th pctile
Loan-to-Deposit Ratio
Current: 78.32% · Tier avg: 74.53%
3
3th pctile
Total Loans
Current: $11.6M · Tier avg: $139.2M
2
2th pctile
Total Deposits
Current: $14.8M · Tier avg: $183.7M
1
1th pctile
Total Assets
Current: $16.6M · Tier avg: $217.5M
0
0th pctile
Return on Assets
Current: -2.23% · Tier avg: 1.08%
0
0th pctile
Efficiency Ratio
Current: 153.40% · Tier avg: 67.73%
0
0th pctile
Delinquency Rate
Current: 16.70% · Tier avg: 0.64%
0
0th pctile
Nonperforming Asset Ratio
Current: 11.66% · Tier avg: 0.45%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 11.66% · Tier avg: 0.45%
0
0th pctile
Delinquency Rate
Current: 16.70% · Tier avg: 0.64%
0
0th pctile
Efficiency Ratio
Current: 153.40% · Tier avg: 67.73%
0
0th pctile
Return on Assets
Current: -2.23% · Tier avg: 1.08%
1
1th pctile
Total Assets
Current: $16.6M · Tier avg: $217.5M
2
2th pctile
Total Deposits
Current: $14.8M · Tier avg: $183.7M
3
3th pctile
Total Loans
Current: $11.6M · Tier avg: $139.2M
46
46th pctile
Loan-to-Deposit Ratio
Current: 78.32% · Tier avg: 74.53%
52
52th pctile
Tier 1 Capital Ratio
Current: 10.16% · Tier avg: 8.85%
55
55th pctile
Non-Interest-Bearing Deposit Share
Current: 22.91% · Tier avg: 22.39%
76
76th pctile
Net Interest Margin
Current: 4.41% · Tier avg: 3.85%
88
88th pctile
Non-Interest Income / Assets
Current: 0.82% · Tier avg: 0.56%