BlastPoint's Banking Scorecard
Great Rivers Bank
Micro
Specialty: Agricultural
IL
FDIC cert 3762
Designations: ✓ Community bank
Barry, IL
2498
banks in Micro tier nationally
227 in IL
View Micro leaderboard (IL) →
Great Rivers Bank shows strong momentum with 1 strength and 8.2% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 25.30% 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 ? |
$193.3M
+8.2% YoY
+1.3% QoQ
|
-$24.2M |
$217.5M
+2.3% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
50% |
| Total Loans ? |
$159.5M
+10.1% YoY
+1.5% QoQ
|
+$20.3M |
$139.2M
+2.8% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
63% |
| Total Deposits ? |
$159.8M
+5.6% YoY
+3.8% QoQ
|
-$23.9M |
$183.7M
+1.8% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
48% |
| Return on Assets ? |
1.18%
+7.5% YoY
-20.6% QoQ
|
+0.09% |
1.08%
+14.7% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
57% |
| Net Interest Margin ? |
4.09%
+4.9% YoY
+0.5% QoQ
|
+0.24% |
3.85%
+6.6% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
63% |
| Efficiency Ratio ? |
67.05%
-7.4% YoY
+5.3% QoQ
|
-0.67% |
67.73%
-4.8% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
48% |
| Delinquency Rate ? |
0.10%
+250.5% YoY
+367.2% QoQ
|
-0.54% |
0.64%
+24.4% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
70% |
| Loan-to-Deposit Ratio ? |
99.82%
+4.3% YoY
-2.2% QoQ
|
+25.30% |
74.53%
+0.5% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
Top 9% in tier |
| Non-Interest-Bearing Deposit Share ? |
15.98%
-19.1% YoY
+9.3% QoQ
|
-6.41% |
22.39%
-1.3% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
26% |
| Nonperforming Asset Ratio ? |
0.09%
+256.7% YoY
+368.3% QoQ
|
-0.37% |
0.45%
+25.1% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
69% |
| Tier 1 Capital Ratio ? |
11.71%
-2.9% YoY
-3.0% QoQ
|
+2.86% |
8.85%
-3.4% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
57% |
| Non-Interest Income / Assets ? |
0.47%
+3.9% YoY
+30.6% QoQ
|
-0.10% |
0.56%
+0.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
65% |
Signature Analysis
Strengths (1)
Loan-to-Deposit Ratio
metric
Top 9%
in Micro
Why this stands out
Current:
99.82%
(Tier avg: 74.53%, National avg: 78.04%)
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
91
91th pctile
Loan-to-Deposit Ratio
Current: 99.82% · Tier avg: 74.53%
70
70th pctile
Delinquency Rate
Current: 0.10% · Tier avg: 0.64%
69
69th pctile
Nonperforming Asset Ratio
Current: 0.09% · Tier avg: 0.45%
65
65th pctile
Non-Interest Income / Assets
Current: 0.47% · Tier avg: 0.56%
63
63th pctile
Total Loans
Current: $159.5M · Tier avg: $139.2M
63
63th pctile
Net Interest Margin
Current: 4.09% · Tier avg: 3.85%
57
57th pctile
Return on Assets
Current: 1.18% · Tier avg: 1.08%
57
57th pctile
Tier 1 Capital Ratio
Current: 11.71% · Tier avg: 8.85%
50
50th pctile
Total Assets
Current: $193.3M · Tier avg: $217.5M
48
48th pctile
Total Deposits
Current: $159.8M · Tier avg: $183.7M
48
48th pctile
Efficiency Ratio
Current: 67.05% · Tier avg: 67.73%
26
26th pctile
Non-Interest-Bearing Deposit Share
Current: 15.98% · Tier avg: 22.39%
Top Weaknesses
26
26th pctile
Non-Interest-Bearing Deposit Share
Current: 15.98% · Tier avg: 22.39%
48
48th pctile
Efficiency Ratio
Current: 67.05% · Tier avg: 67.73%
48
48th pctile
Total Deposits
Current: $159.8M · Tier avg: $183.7M
50
50th pctile
Total Assets
Current: $193.3M · Tier avg: $217.5M
57
57th pctile
Tier 1 Capital Ratio
Current: 11.71% · Tier avg: 8.85%
57
57th pctile
Return on Assets
Current: 1.18% · Tier avg: 1.08%
63
63th pctile
Net Interest Margin
Current: 4.09% · Tier avg: 3.85%
63
63th pctile
Total Loans
Current: $159.5M · Tier avg: $139.2M
65
65th pctile
Non-Interest Income / Assets
Current: 0.47% · Tier avg: 0.56%
69
69th pctile
Nonperforming Asset Ratio
Current: 0.09% · Tier avg: 0.45%
70
70th pctile
Delinquency Rate
Current: 0.10% · Tier avg: 0.64%
91
91th pctile
Loan-to-Deposit Ratio
Current: 99.82% · Tier avg: 74.53%