Grand Ridge National Bank: how it compares with its peers
Against 125 IL banks with half to twice its assets, Grand Ridge National Bank's strongest measure in Q2 2026 is net interest margin (5.32% vs. a 3.69% peer median). Its weakest relative measure is efficiency ratio (52.88% vs. 62.95%).
| Measure | Grand Ridge National Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.72% | 1.19% | Top third Ahead of 83% of peers |
| Net interest margin Annualized net interest income over earning assets. | 5.32% | 3.69% | Top third Ahead of 98% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 52.88% | 62.95% | Top third Ahead of 80% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $12.3M | $7.1M | Top third Ahead of 94% of peers |
| Loans to deposits Net loans and leases over total deposits. | 87.98% | 77.42% | Context |
What it means for lending operations
Its efficiency ratio of 52.88% is better than the 62.95% 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
- The City National Bank of Metropolis Metropolis, IL · $444M
- Community State Bank Galva, IL · $442M
- Better Banks Peoria, IL · $446M
- Eureka Savings Bank La Salle, IL · $436M
- Citizens State Bank Lena, IL · $453M
- First Federal Savings Bank Ottawa, IL · $422M
Questions about Grand Ridge National Bank
How big is Grand Ridge National Bank?
Grand Ridge National Bank, established in 1903, is headquartered in Wheaton, IL. It reported $443M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is Grand Ridge National Bank's return on assets?
1.72% annualized in Q2 2026, against a 1.19% median for 125 IL banks with half to twice its assets, ahead of 83% of them.
What is Grand Ridge National Bank's efficiency ratio?
52.88% in Q2 2026: it spent about 53 cents in noninterest expense for each dollar of revenue. The peer median is 62.95%, and lower is better.
Is Grand Ridge National Bank growing its loans?
Net loans grew 9.1% over the year to Q2 2026, while deposits grew 3.7%.
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.