Grand Rivers Community Bank: how it compares with its peers
Against 11 IL banks with half to twice its assets, Grand Rivers Community Bank's strongest measure in Q2 2026 is net interest margin (4.39% vs. a 3.39% peer median). Its weakest relative measure is return on assets (-3.37% vs. 0.58%).
| Measure | Grand Rivers Community Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | -3.37% | 0.58% | Bottom third Ahead of 0% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.39% | 3.39% | Top third Ahead of 91% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 169.39% | 80.56% | Bottom third Ahead of 0% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $2.2M | $5.9M | Bottom third Ahead of 0% of peers |
| Loans to deposits Net loans and leases over total deposits. | 77.33% | 32.82% | Context |
What it means for lending operations
Its efficiency ratio of 169.39% is above the 80.56% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Hartsburg State Bank Hartsburg, IL · $18M
- Farmers State Bank of Medora Medora, IL · $20M
- Chesterfield State Bank Chesterfield, IL · $22M
- BMO Harris Central National Association Roselle, IL · $8M
- Peoples Bank of Macon Macon, IL · $23M
- Sainte Marie State Bank Sainte Marie, IL · $23M
Questions about Grand Rivers Community Bank
How big is Grand Rivers Community Bank?
Grand Rivers Community Bank, established in 1902, is headquartered in Grand Chain, IL. It reported $15M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is Grand Rivers Community Bank's return on assets?
-3.37% annualized in Q2 2026, against a 0.58% median for 11 IL banks with half to twice its assets, ahead of 0% of them.
What is Grand Rivers Community Bank's efficiency ratio?
169.39% in Q2 2026: it spent about 169 cents in noninterest expense for each dollar of revenue. The peer median is 80.56%, and lower is better.
Is Grand Rivers Community Bank growing its loans?
Net loans shrank 8.8% over the year to Q2 2026, while deposits shrank 13.6%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are IL banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Illinois bank ranked.