Bank of Grandin
Grandin, Missouri · FDIC Cert #9392
This is the FDIC profile for Bank of Grandin, an FDIC-insured bank (Certificate #9392) with $216M in total assets and $184M in total deposits per its most recent FDIC Call Report filing (Q2 2024). Headquartered in Grandin, Missouri, the bank maintains a Tier 1 capital ratio of 14.49% (Well-Capitalized) and a nonperforming loan ratio of 0.52%. BankHealthData assigns a composite Health Grade of A (92/100) based on quarterly FDIC filings. All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Bank of Grandin (FDIC cert 9392) is a community bank — $216M in total assets, $184M in deposits, serving the Grandin, Missouri area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 14.49% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is normal: non-performing loan ratio of 0.52% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is very high: 41.0% of assets in liquid form, well above peer norms. Very high liquidity sometimes reflects a bank still building out its loan portfolio or one operating under specific regulatory liquidity requirements.
Profitability is solid: ROA of 1.04% sits at or near the 1% benchmark for healthy U.S. banks. Net interest income, fee income, and operating efficiency are all in workable shape. Health-score trend is essentially stable across the recent-quarters window — the typical pattern for established banks operating in steady-state mode. Bank of Grandin carries a composite BankHealth grade of A (92/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Bank of Grandin
- Total Assets
- $216M
- Total Deposits
- $184M
- Tier 1 Capital Ratio
- 14.49%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.52%
- Liquidity Ratio
- 41.04%
- Return on Assets
- 1.04%
- Headquarters
- Grandin, Missouri
- FDIC Certificate
- #9392
- Health Grade
- A (92/100)
- Latest Call Report
- Q2 2024
FDIC Filings & Call Report Data
Bank of Grandin files quarterly Call Reports with the FDIC under Certificate #9392. The figures on this page reflect the Q2 2024 Call Report, which is the most recent FDIC filing currently available. Historical filings and Uniform Bank Performance Reports (UBPR) are accessible directly from the FDIC BankFind directory and the FFIEC Central Data Repository.
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Capital & Safety Analysis
According to FDIC financial data, Bank of Grandin holds a Tier 1 capital ratio of 14.49%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Bank of Grandin has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Bank of Grandin shows strong financial health indicators. With $216M in assets and a Health Score of 92/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Bank of Grandin Compares
Bank of Grandin’s Health Score of 92 is 13 points above the Missouri state average of 79 across 193 FDIC-insured banks. Its 14.49% Tier 1 capital ratio is 0.5 points above the US banking industry average near 14%. The 0.52% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 1.04% is below the national ROA benchmark of ~1.1%. Among 1536 similarly-sized banks, the average Health Score is 81, meaning this bank ranks above its size cohort. Site-wide, Bank of Grandin is 12 points above the portfolio average of 80.
Frequently Asked Questions
Bank of Grandin has a Bank Health Score of A (92/100), placing it one of the safest banks in our analysis. It holds a Tier 1 capital ratio of 14.49%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Bank of Grandin's Tier 1 capital ratio of 14.49% and nonperforming loan ratio of 0.52% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Bank of Grandin is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #9392). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Bank of Grandin holds $216M in total assets and $184M in total deposits. It is headquartered in Grandin, Missouri (FDIC Certificate #9392).
Bank of Grandin's FDIC filings — including quarterly Call Reports and Uniform Bank Performance Reports — are filed under FDIC Certificate #9392 and available through the FDIC BankFind directory and the FFIEC Central Data Repository. The data on this page reflects the Q2 2024 Call Report.
Bank of Grandin has a Tier 1 capital ratio of 14.49%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.52%, and the return on assets is 1.04%.
Yes. Bank of Grandin is FDIC-insured (Certificate #9392). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An A grade on our Bank Health Score means 85+/100 — top-tier capital, low loan losses, strong liquidity. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Bank of Grandin's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.