BlastPoint's Banking Scorecard
Grand River Bank
Community
Specialty: Commercial
MI
FDIC cert 58789
Grandville, MI
1484
banks in Community tier nationally
28 in MI
View Community leaderboard (MI) →
Grand River Bank faces 6 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 2% in Community
- - Liquidity Strain: Bottom 4% in Community
- - Credit Quality Pressure: Bottom 24% in Community
- - Efficiency Drag: Bottom 66% in Community
- - Return on Assets 0.79% below tier
- - Non-Interest Income / Assets 0.62% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$516.3M
-1.4% YoY
-1.1% QoQ
|
-$875.1M |
$1.4B
+2.0% YoY
|
$973.2M
+11.1% YoY
|
$5.9B
+6.5% YoY
|
Bottom 2% in tier |
| Total Loans ? |
$441.4M
-7.1% YoY
+0.4% QoQ
|
-$534.1M |
$975.5M
+2.4% YoY
|
$732.6M
+14.8% YoY
|
$3.1B
+8.5% YoY
|
21% |
| Total Deposits ? |
$446.4M
+2.2% YoY
-1.2% QoQ
|
-$718.2M |
$1.2B
+1.7% YoY
|
$781.1M
+10.4% YoY
|
$4.7B
+6.3% YoY
|
Bottom 5% in tier |
| Return on Assets ? |
0.38%
+162.5% YoY
+11.9% QoQ
|
-0.79% |
1.16%
+17.2% YoY
|
1.09%
+9.6% YoY
|
1.12%
+15.6% YoY
|
Bottom 8% in tier |
| Net Interest Margin ? |
2.76%
+8.0% YoY
+1.4% QoQ
|
-0.91% |
3.66%
+9.1% YoY
|
3.97%
+7.8% YoY
|
3.75%
+7.1% YoY
|
Bottom 11% in tier |
| Efficiency Ratio ? |
84.84%
-10.7% YoY
-1.8% QoQ
|
+22.21% |
62.63%
-5.3% YoY
|
66.94%
-3.1% YoY
|
65.09%
-5.1% YoY
|
Bottom 6% in tier |
| Delinquency Rate ? |
0.21%
+113.7% YoY
+97.7% QoQ
|
-0.42% |
0.63%
+18.3% YoY
|
0.80%
+62.9% YoY
|
0.66%
+20.3% YoY
|
69% |
| Loan-to-Deposit Ratio ? |
98.87%
-9.2% YoY
+1.6% QoQ
|
+15.81% |
83.06%
+0.3% YoY
|
78.71%
+2.4% YoY
|
78.04%
+0.7% YoY
|
Bottom 15% in tier |
| Non-Interest-Bearing Deposit Share ? |
19.72%
-4.1% YoY
+7.3% QoQ
|
-1.33% |
21.05%
-0.9% YoY
|
25.17%
-2.2% YoY
|
21.79%
-1.3% YoY
|
48% |
| Nonperforming Asset Ratio ? |
0.18%
+101.3% YoY
+100.8% QoQ
|
-0.32% |
0.50%
+20.3% YoY
|
0.57%
+48.1% YoY
|
0.48%
+20.8% YoY
|
68% |
| Tier 1 Capital Ratio ? |
11.98%
+10.0% YoY
-1.9% QoQ
|
+1.74% |
10.24%
-0.6% YoY
|
9.37%
-0.1% YoY
|
9.75%
-1.9% YoY
|
47% |
| Non-Interest Income / Assets ? |
0.12%
-35.9% YoY
+42.0% QoQ
|
-0.62% |
0.74%
-1.3% YoY
|
0.78%
-0.1% YoY
|
0.65%
+0.6% YoY
|
Bottom 4% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (6)
Flatlined Growth
risk
#5 of 245 · Bottom 2% in Community
Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Why this signature
Return on Assets:
0.38%
(Tier: 1.16%, National: 1.12%)
245 of 245 Community banks match
·
308 nationally
↓ Shrinking
-35 banks QoQ
Liquidity Strain
risk
#23 of 513 · Bottom 4% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
98.87%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
Credit Quality Pressure
risk
#191 of 808 · Bottom 24% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.21%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
|
QoQ rank declining
Efficiency Drag
risk
#100 of 152 · Bottom 66% in Community
Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Why this signature
Efficiency Ratio:
84.84%
(Tier: 62.63%, National: 65.09%)
152 of 152 Community banks match
·
163 nationally
→ Stable
-9 banks QoQ
|
QoQ rank improving
Return on Assets
metric
Bottom 8%
in Community
Why this stands out
Current:
0.38%
(Tier avg: 1.16%, National avg: 1.12%)
Non-Interest Income / Assets
metric
Bottom 4%
in Community
Why this stands out
Current:
0.12%
(Tier avg: 0.74%, National avg: 0.65%)
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
69
69th pctile
Delinquency Rate
Current: 0.21% · Tier avg: 0.63%
68
68th pctile
Nonperforming Asset Ratio
Current: 0.18% · Tier avg: 0.50%
48
48th pctile
Non-Interest-Bearing Deposit Share
Current: 19.72% · Tier avg: 21.05%
47
47th pctile
Tier 1 Capital Ratio
Current: 11.98% · Tier avg: 10.24%
21
21th pctile
Total Loans
Current: $441.4M · Tier avg: $975.5M
15
15th pctile
Loan-to-Deposit Ratio
Current: 98.87% · Tier avg: 83.06%
11
11th pctile
Net Interest Margin
Current: 2.76% · Tier avg: 3.66%
8
8th pctile
Return on Assets
Current: 0.38% · Tier avg: 1.16%
6
6th pctile
Efficiency Ratio
Current: 84.84% · Tier avg: 62.63%
5
5th pctile
Total Deposits
Current: $446.4M · Tier avg: $1.2B
4
4th pctile
Non-Interest Income / Assets
Current: 0.12% · Tier avg: 0.74%
2
2th pctile
Total Assets
Current: $516.3M · Tier avg: $1.4B
Top Weaknesses
2
2th pctile
Total Assets
Current: $516.3M · Tier avg: $1.4B
4
4th pctile
Non-Interest Income / Assets
Current: 0.12% · Tier avg: 0.74%
5
5th pctile
Total Deposits
Current: $446.4M · Tier avg: $1.2B
6
6th pctile
Efficiency Ratio
Current: 84.84% · Tier avg: 62.63%
8
8th pctile
Return on Assets
Current: 0.38% · Tier avg: 1.16%
11
11th pctile
Net Interest Margin
Current: 2.76% · Tier avg: 3.66%
15
15th pctile
Loan-to-Deposit Ratio
Current: 98.87% · Tier avg: 83.06%
21
21th pctile
Total Loans
Current: $441.4M · Tier avg: $975.5M
47
47th pctile
Tier 1 Capital Ratio
Current: 11.98% · Tier avg: 10.24%
48
48th pctile
Non-Interest-Bearing Deposit Share
Current: 19.72% · Tier avg: 21.05%
68
68th pctile
Nonperforming Asset Ratio
Current: 0.18% · Tier avg: 0.50%
69
69th pctile
Delinquency Rate
Current: 0.21% · Tier avg: 0.63%