# GRAND RIVERS COMMUNITY BANK
GRAND CHAIN, IL · FDIC certificate 10816 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 7 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $15.1M | |
| Deposits | $13.5M | |
| Loans and leases | $11.0M | |
| Total equity | $1.3M | |
| Loans / deposits | 77.33% (p57 of band) | 73.59% |
| Liquid assets / assets | 21.20% (p25 of band) | |
| Uninsured deposits / deposits | 21.57% (p56 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.14% (p55 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.44% (p6 of band) | 11.76% |
| Unrealized securities loss / equity | -0.08% (p90 of band) | -6.57% |
| AOCI / equity | 0.08% (p88 of band) | |
| ROA (annualized) | -3.37% (p2 of band) | 1.17% |
| Net interest margin | 4.39% (p72 of band) | 3.93% |
| Efficiency ratio | 169.39% (p98 of band) | |
| Noncurrent loans | 19.04% (p100 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | 26.34% | |
| Real estate % of loans | 58% | |
| Construction % of loans | 0.00% (p9 of band) | |
| Auto loans | $82,000 (0.75% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -13.6% | |
| Employees | 7 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | losing money |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 | uninsured deposits leaving | losing money |
| 2012-06 | 1 |  |  |
| 2012-09 | 2 | brokered >10%, capital falling | uninsured deposits leaving |
| 2012-12 | 2 | reserve under noncurrent | brokered >10% |
| 2013-03 | 1 |  | capital falling |
| 2013-06 | 1 |  |  |
| 2013-09 | 3 | capital falling, uninsured deposits leaving |  |
| 2013-12 | 1 |  | capital falling, uninsured deposits leaving |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 | capital falling | reserve under noncurrent |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 0 |  | capital falling |
| 2015-06 | 1 | losing money |  |
| 2015-09 | 2 | capital falling |  |
| 2015-12 | 5 | leverage <7%, expense ratio p90, uninsured deposits leaving |  |
| 2016-03 | 2 |  | losing money, expense ratio p90, uninsured deposits leaving |
| 2016-06 | 6 | losing money, expense ratio p90, noncurrent p90, reserve under noncurrent |  |
| 2016-09 | 10 | leverage <5%, deposits shrinking, assets shrinking |  |
| 2016-12 | 10 | charge-offs p90 | capital falling |
| 2017-03 | 11 | uninsured deposits leaving |  |
| 2017-06 | 12 | capital falling |  |
| 2017-09 | 6 |  | leverage <7%, losing money, expense ratio p90, leverage <5%, capital falling |
| 2017-12 | 7 | leverage <7% |  |
| 2018-03 | 8 | capital falling, losing money, expense ratio p90 | noncurrent p90, reserve under noncurrent |
| 2018-06 | 8 |  |  |
| 2018-09 | 6 |  | uninsured deposits leaving, capital falling |
| 2018-12 | 9 | noncurrent p90, reserve under noncurrent, uninsured deposits leaving |  |
| 2019-03 | 9 |  |  |
| 2019-06 | 11 | leverage <5% |  |
| 2019-09 | 12 | capital falling |  |
| 2019-12 | 11 |  | uninsured deposits leaving |
| 2020-03 | 11 |  |  |
| 2020-06 | 11 |  |  |
| 2020-09 | 11 |  |  |
| 2020-12 | 10 |  | capital falling |
| 2021-03 | 10 | uninsured deposits leaving | charge-offs p90 |
| 2021-06 | 9 |  | uninsured deposits leaving |
| 2021-09 | 11 | charge-offs p90, uninsured deposits leaving |  |
| 2021-12 | 6 |  | leverage <7%, reserve under noncurrent, leverage <5%, uninsured deposits leaving |
| 2022-03 | 5 | uninsured deposits leaving | noncurrent p90, charge-offs p90 |
| 2022-06 | 5 |  |  |
| 2022-09 | 4 |  | uninsured deposits leaving |
| 2022-12 | 2 |  | deposits shrinking, assets shrinking |
| 2023-03 | 3 | capital falling |  |
| 2023-06 | 2 |  | capital falling |
| 2023-09 | 2 |  |  |
| 2023-12 | 4 | uninsured deposits >50%, capital falling |  |
| 2024-03 | 3 |  | uninsured deposits >50% |
| 2024-06 | 5 | noncurrent p90, reserve under noncurrent |  |
| 2024-09 | 7 | deposits shrinking, assets shrinking, uninsured deposits leaving | capital falling |
| 2024-12 | 6 |  | reserve under noncurrent |
| 2025-03 | 7 | reserve under noncurrent |  |
| 2025-06 | 7 |  |  |
| 2025-09 | 7 |  |  |
| 2025-12 | 7 |  |  |
| 2026-03 | 8 | capital falling |  |
| 2026-06 | 7 |  | capital falling |

## In the news (Google News, unfiltered, newest first; check the city)

- 2021-08-03 [Langenfeld named president of Grand Rivers Community Bank - Harrisburg Register](https://news.google.com/rss/articles/CBMipAFBVV95cUxPSFBXYlJHdlVjaVZuSFMxTHB1YXB3X21FbUdZeVBIMTVwUkhvcG9XdnVmSjFOZFBlY0dCNkhfdkVycFUzSkNpVmRHdXlvdTV1bS0tTTh1SDNqa3Q4RkxYc1lNNHFZNVR0RFlXNUl0RHNHcjF6clZzY2kySkpRaWdYbVFkYm1xMXIzWGZiOExpMF9CekplNUFGSkY1SW1Fa1N2R0U3dg?oc=5) · Harrisburg Register
- 2025-09-03 [Ex-Illinois banker says FDIC jeopardized jury trial rights - Courthouse News](https://news.google.com/rss/articles/CBMilAFBVV95cUxQc1l2LVJoVjdDTDhjMGN5cm5jUm9ZclY2MFBHdnhDc0owUHhWZENHVkszeG5XTGxhUVU2eG5VOUVja0ZLQ0xpamx3eDl6OHVWQ21vQWQxYUcwZGw3VlJ3ZF9yNDByMkZtMUJTcWdjOFczN3FXb0hZODhyN3R3X0Q3QWVHSXg4a1VuRUQ2bFJVb2t5UE5L?oc=5) · Courthouse News
- 2018-09-30 [Grand Rivers Community Bank says it has 'been fully cooperating with federal criminal investigators'; Peoples National Bank says it has 'not been advised of any investigation' - Southern Illinoisan](https://news.google.com/rss/articles/CBMimwJBVV95cUxPQWhOVkhVZG1FU0dnaTZ4anRvMURsdlg1MS1qbXJjVXlnZXBDLU5ZemdFSzhjQndCSXZMMTR5WUZGWlVtWTFEazg3X1FzMWJSX2NqN0xSaGU3WVhjdm52QWlmNlV5VV9KeXJBbUt0cVZRS01YWjNtSTdwcUJkZjJVVnlQNHpMUDMwUWVMaWhKRTBGVFhrQ1J5Vk9xMUhyWTNlT1hIUzhZSVpqd0RBZVgzSnFzeklBeDlKNE5wMzdMdm1oUkVBVTlPNlhRanNFRl9rdnlwUHFUcExZM2JmanlIVk5ESDlhNEFVTWZCM1lCbzVyOHlBb0E0aFI0cHFqc3IzMjZOMFhEdmlQUklHd3daQUo4b1ZzdGkya25v?oc=5) · Southern Illinoisan
- 2026-04-16 [3D-Printed Homes, an Abandoned $590,000 Deposit, the FBI: What Really Happened in This Small Town? - propublica.org](https://news.google.com/rss/articles/CBMikgFBVV95cUxNOS1jcHQ4LUozalBkYXRubGVoelpFWFpEVFdrWVZOZm96WXBoS0NHdXJOTDhtVjEwUkxncW1qengwQWhJSVl1VGdCS1Nmc0tkZkcxN0FPdTVtaVpPQ1RqWXFGT1kzQ0Q4VVc4V09CSnBfX0hJWWpwdTBmandJVmdZanlEV21GMzdReXNxN1FuRk51UQ?oc=5) · propublica.org
- 2021-08-07 [Financial regulators move to bar Bill Bonan II from banking industry - Southern Illinoisan](https://news.google.com/rss/articles/CBMi6AFBVV95cUxQRnZpS01odlY3bWxkckVkeVAxM1hIWjl3cUJXQTJrQThKS0hkZnJ0UkhTT3pSdjdXUlVPQk12cnZQa2NYQncwOEZPX3F2SE80Szc0ZEQ3dkhvcXh6YkNXN3BuUlNsNDlYcW9fMUlFWXd6WEplSmszajdoX0xSRk9uUlJZWjRoSkpCUFl1Qzc5Sy1jbWZIdi1VdnJjS0YxZWxZMzJoUnhhbzd2R1pUY3VheVFMWHZTUzBkckZLRXJMQTVLVzl2RUpKUG10LXdMdF9jRHZlUVlxbXBUTmRSc0gwcm1pTm1WSk9D?oc=5) · Southern Illinoisan
- 2017-03-22 [Small bank accuses Peoples National of fraud and racketeering - The Business Journals](https://news.google.com/rss/articles/CBMiqAFBVV95cUxPdXd6ZnVJODMtcjZoVjQ1NzZfaU51Q19Wb1F4aFFfeHRvUTJmeW83ODQ4UTloLWJtUkdjOHZlaDMtdHZQbkdJSmE1aW4xRC1UMm1KV1VudW9QNTJqOE1YMGEyTUQ4T1RwYTZtLTNIT1UwNkUxLXVma0h4MlZQZnd3VnVFSF80RzBhckk2QnBrbkQxQWlLN0E0ajFXcTE4SXNvalRRZDduNGg?oc=5) · The Business Journals
- 2026-04-17 [FBI investigates abandoned 3D-housing project in struggling Illinois town on the brink of collapse - New York Post](https://news.google.com/rss/articles/CBMi2AFBVV95cUxNN3k5ME5WLWlPc0RSQ2hDYll1TEpFWmJYd3J0ZTFXUkxGcnhXVmFybFNtVTB3c2pjTWpBLXM1QWhrOTdyUk1wb3BKWE9rWDdjVS1vRTdzcUR3TGx2dnJuYTlZblBFa1FkcFQ3ZXpGT3YtU0dSQUdKWEJFaFhNbjRHVC1Xd1JpMS1JOVk1T1h5S1Y0MUJKZVc1UHp0TkwzOC00SDBpcmUxaHU2LWREbXc1ZnA3OFRGdEhmdzNoZHJjUHliOW9SV1hjaDlzZC1iaWpDRTFLMXJRby0?oc=5) · New York Post
- 2016-06-14 [bank-robbery-suspect-identified-as-henderson-man - Courier & Press](https://news.google.com/rss/articles/CBMitgFBVV95cUxPRF9UM2ZGUzdCY21xX1N2eVNsY01BTVg3MVV0X0FlRjZnMVJpUXJwRkk5TmVmMFJJMDcxdExicnpQckQ3Sng1Q0xwRnczVHhreHpEdVJmVmM0YUdkMXJISTEycmo0Njl5RGUwRXFGVklNejByMWhPdGRuTTNmdGRYWVQ3YzQ3WlV3VkVDX0RPOHNva2F2Qjk4dTVWNWNMcUdoVWt1LWgtR0tEZEx2MXNvMEtsYlM5dw?oc=5) · Courier &amp; Press

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=10816 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/0.json (key "10816", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide