BlastPoint's Banking Scorecard
Grand Ridge National Bank
Micro
Specialty: Commercial
IL
FDIC cert 3674
Designations: ✓ Community bank
Wheaton, IL
2498
banks in Micro tier nationally
227 in IL
View Micro leaderboard (IL) →
Grand Ridge National Bank shows strong momentum with 1 strength and 16.7% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.24% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$446.8M
+16.7% YoY
-2.3% QoQ
|
+$229.4M |
$217.5M
+2.3% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
Top 6% in tier |
| Total Loans ? |
$326.2M
+10.0% YoY
-1.0% QoQ
|
+$187.0M |
$139.2M
+2.8% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
Top 4% in tier |
| Total Deposits ? |
$387.3M
+17.6% YoY
-2.8% QoQ
|
+$203.6M |
$183.7M
+1.8% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
Top 4% in tier |
| Return on Assets ? |
1.46%
-2.6% YoY
-1.3% QoQ
|
+0.38% |
1.08%
+14.7% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
73% |
| Net Interest Margin ? |
5.09%
-4.2% YoY
+0.5% QoQ
|
+1.24% |
3.85%
+6.6% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
Top 8% in tier |
| Efficiency Ratio ? |
57.56%
-4.3% YoY
-1.6% QoQ
|
-10.17% |
67.73%
-4.8% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
74% |
| Delinquency Rate ? |
0.36%
-15.5% QoQ
|
-0.28% |
0.64%
+24.4% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
52% |
| Loan-to-Deposit Ratio ? |
84.24%
-6.5% YoY
+1.8% QoQ
|
+9.71% |
74.53%
+0.5% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
66% |
| Non-Interest-Bearing Deposit Share ? |
22.27%
-4.1% YoY
-3.9% QoQ
|
-0.12% |
22.39%
-1.3% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
52% |
| Nonperforming Asset Ratio ? |
0.26%
-14.4% QoQ
|
-0.19% |
0.45%
+25.1% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
51% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.12%
-14.1% YoY
+33.9% QoQ
|
-0.44% |
0.56%
+0.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
Bottom 11% in tier |
Signature Analysis
Strengths (1)
Net Interest Margin
metric
Top 8%
in Micro
Why this stands out
Current:
5.09%
(Tier avg: 3.85%, National avg: 3.75%)
Concerns (0)
No concerns identified
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
96
96th pctile
Total Loans
Current: $326.2M · Tier avg: $139.2M
96
96th pctile
Total Deposits
Current: $387.3M · Tier avg: $183.7M
94
94th pctile
Total Assets
Current: $446.8M · Tier avg: $217.5M
92
92th pctile
Net Interest Margin
Current: 5.09% · Tier avg: 3.85%
74
74th pctile
Efficiency Ratio
Current: 57.56% · Tier avg: 67.73%
73
73th pctile
Return on Assets
Current: 1.46% · Tier avg: 1.08%
66
66th pctile
Loan-to-Deposit Ratio
Current: 84.24% · Tier avg: 74.53%
52
52th pctile
Non-Interest-Bearing Deposit Share
Current: 22.27% · Tier avg: 22.39%
52
52th pctile
Delinquency Rate
Current: 0.36% · Tier avg: 0.64%
51
51th pctile
Nonperforming Asset Ratio
Current: 0.26% · Tier avg: 0.45%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
11
11th pctile
Non-Interest Income / Assets
Current: 0.12% · Tier avg: 0.56%
Top Weaknesses
11
11th pctile
Non-Interest Income / Assets
Current: 0.12% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
51
51th pctile
Nonperforming Asset Ratio
Current: 0.26% · Tier avg: 0.45%
52
52th pctile
Delinquency Rate
Current: 0.36% · Tier avg: 0.64%
52
52th pctile
Non-Interest-Bearing Deposit Share
Current: 22.27% · Tier avg: 22.39%
66
66th pctile
Loan-to-Deposit Ratio
Current: 84.24% · Tier avg: 74.53%
73
73th pctile
Return on Assets
Current: 1.46% · Tier avg: 1.08%
74
74th pctile
Efficiency Ratio
Current: 57.56% · Tier avg: 67.73%
92
92th pctile
Net Interest Margin
Current: 5.09% · Tier avg: 3.85%
94
94th pctile
Total Assets
Current: $446.8M · Tier avg: $217.5M
96
96th pctile
Total Deposits
Current: $387.3M · Tier avg: $183.7M
96
96th pctile
Total Loans
Current: $326.2M · Tier avg: $139.2M