Grand Rivers Community Bank
Grand Chain, Illinois · FDIC Cert #10816
Grand Rivers Community Bank is an FDIC-insured bank (Certificate #10816) with $21M in total assets and $19M in total deposits as of the Q2 2024 Call Report. Headquartered in Grand Chain, Illinois, the bank maintains a Tier 1 capital ratio of 10.96% (Well-Capitalized) and a nonperforming loan ratio of 5.28%. BankHealthData assigns a composite Health Grade of D (44/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Grand Rivers Community Bank (FDIC cert 10816) is a community bank — $21M in total assets, $19M in deposits, serving the Grand Chain, Illinois area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is adequate: Tier 1 capital ratio of 10.96% meets the 8% well-capitalized threshold but does not provide substantial buffer above it. Adequate capital is regulatory-acceptable but leaves less room for absorbing unexpected losses. Asset quality shows stress: non-performing loan ratio of 5.28% is well above the peer median and signals significant credit-quality challenges. Banks in this range typically face heightened regulatory monitoring. Liquidity is in the normal range: 24.7% liquid assets relative to total assets — adequate for standard operating needs and routine deposit outflows.
Profitability is negative: ROA of -2.40% means the bank lost money during the reporting period. Sustained negative ROA erodes capital and triggers escalating regulatory attention. Health-score trend is declining materially over the most recent quarters. Declining trends warrant attention — banks in this pattern often face follow-on regulatory engagement and elevated supervisory scrutiny. Grand Rivers Community Bank carries a composite BankHealth grade of D (44/100) 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: Grand Rivers Community Bank
- Total Assets
- $21M
- Total Deposits
- $19M
- Tier 1 Capital Ratio
- 10.96%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 5.28%
- Liquidity Ratio
- 24.66%
- Return on Assets
- -2.40%
- Headquarters
- Grand Chain, Illinois
- FDIC Certificate
- #10816
- Health Grade
- D (44/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Grand Rivers Community Bank holds a Tier 1 capital ratio of 10.96%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Grand Rivers Community Bank has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Grand Rivers Community Bank shows some financial weakness with a Health Score of 44/100. This does not mean the bank will fail, but some financial indicators are below average. Your FDIC-insured deposits (up to $250,000) are fully protected by the US government.
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 Grand Rivers Community Bank Compares
Grand Rivers Community Bank’s Health Score of 44 is 28 points below the Illinois state average of 72 across 333 FDIC-insured banks. Its 10.96% Tier 1 capital ratio is 3.0 points below the US banking industry average near 14%. The 5.28% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of -2.40% is below the national ROA benchmark of ~1.1%. Among 150 similarly-sized banks, the average Health Score is 70, meaning this bank ranks below its size cohort. Site-wide, Grand Rivers Community Bank is 26 points below the portfolio average of 70.
Frequently Asked Questions
Grand Rivers Community Bank has a Bank Health Score of D (44/100), placing it showing signs of financial stress. It holds a Tier 1 capital ratio of 10.96%, 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. Grand Rivers Community Bank's Tier 1 capital ratio of 10.96% and nonperforming loan ratio of 5.28% indicate an elevated 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 Grand Rivers Community Bank is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #10816). 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.
Grand Rivers Community Bank holds $21M in total assets and $19M in total deposits. It is headquartered in Grand Chain, Illinois (FDIC Certificate #10816).
Grand Rivers Community Bank has a Tier 1 capital ratio of 10.96%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 5.28%, and the return on assets is -2.40%.
Yes. Grand Rivers Community Bank is FDIC-insured (Certificate #10816). 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 D grade on our Bank Health Score means 40-54/100 — multiple metrics showing stress; worth monitoring. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Grand Rivers Community Bank shows financial stress on one or more metrics. While insured deposits remain protected up to $250K per depositor per ownership category, depositors with higher balances may want to spread funds across additional FDIC-insured institutions. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.