The Granville National Bank: how it compares with its peers
Against 118 IL banks with half to twice its assets, The Granville National Bank's strongest measure in Q2 2026 is efficiency ratio (54.58% vs. a 66.57% peer median). Its weakest relative measure is net interest margin (3.35% vs. 3.76%).
| Measure | The Granville National Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.17% | 1.07% | Middle third Ahead of 57% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.35% | 3.76% | Bottom third Ahead of 31% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 54.58% | 66.57% | Top third Ahead of 81% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.4M | $6.1M | Top third Ahead of 69% of peers |
| Loans to deposits Net loans and leases over total deposits. | 50.79% | 69.33% | Context |
What it means for lending operations
Its efficiency ratio of 54.58% is better than the 66.57% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- American Metro Bank Chicago, IL · $119M
- Collinsville Building and Loan Association Collinsville, IL · $118M
- First Community Bank of Moultrie County Sullivan, IL · $120M
- The State Bank of Geneva Geneva, IL · $116M
- The First National Bank of Sparta Sparta, IL · $115M
- Midwest National Bank Sandoval, IL · $123M
Questions about The Granville National Bank
How big is The Granville National Bank?
The Granville National Bank, established in 1934, is headquartered in Granville, IL. It reported $118M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is The Granville National Bank's return on assets?
1.17% annualized in Q2 2026, against a 1.07% median for 118 IL banks with half to twice its assets, ahead of 57% of them.
What is The Granville National Bank's efficiency ratio?
54.58% in Q2 2026: it spent about 55 cents in noninterest expense for each dollar of revenue. The peer median is 66.57%, and lower is better.
Is The Granville National Bank growing its loans?
Net loans grew 4.4% over the year to Q2 2026, while deposits grew 3.4%.
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.