# GRANVILLE NATIONAL BANK
GRANVILLE, IL · FDIC certificate 13983 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 1 (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 | $118.4M | |
| Deposits | $105.1M | |
| Loans and leases | $54.1M | |
| Total equity | $12.7M | |
| Loans / deposits | 50.79% (p20 of band) | 73.59% |
| Liquid assets / assets | 52.68% (p81 of band) | |
| Uninsured deposits / deposits | 12.71% (p23 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.10% (p41 of band) | 11.76% |
| Unrealized securities loss / equity | -11.81% (p36 of band) | -6.57% |
| AOCI / equity | -2.02% (p12 of band) | |
| ROA (annualized) | 1.17% (p50 of band) | 1.17% |
| Net interest margin | 3.35% (p23 of band) | 3.93% |
| Efficiency ratio | 54.58% (p22 of band) | |
| Noncurrent loans | 2.21% (p87 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p58 of band) | |
| Reserve coverage of noncurrent | 59.90% | |
| Real estate % of loans | 65% | |
| Construction % of loans | 8.26% (p35 of band) | |
| Auto loans | $4.4M (8.16% of loans; DQ 1.72%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 3.4% | |
| Employees | 16 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | capital falling |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 2 |  |  |
| 2012-12 | 1 |  | capital falling |
| 2013-03 | 2 | NIM <2.5% |  |
| 2013-06 | 2 |  |  |
| 2013-09 | 2 |  |  |
| 2013-12 | 2 |  |  |
| 2014-03 | 2 |  |  |
| 2014-06 | 2 |  |  |
| 2014-09 | 1 |  | reserve under noncurrent |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 | uninsured deposits leaving | NIM <2.5% |
| 2016-06 | 1 |  |  |
| 2016-09 | 0 |  | uninsured deposits leaving |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | reserve under noncurrent |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 0 |  | reserve under noncurrent |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | capital falling |  |
| 2019-06 | 0 |  | capital falling |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | capital falling |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 2 | NIM <2.5% |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 1 |  | capital falling |
| 2022-03 | 2 | AOCI drag >20% of equity |  |
| 2022-06 | 3 | securities losses >30% of equity |  |
| 2022-09 | 3 |  |  |
| 2022-12 | 2 |  | NIM <2.5% |
| 2023-03 | 2 | NIM <2.5% | AOCI drag >20% of equity |
| 2023-06 | 2 |  |  |
| 2023-09 | 3 | uninsured deposits leaving |  |
| 2023-12 | 2 |  | uninsured deposits leaving |
| 2024-03 | 2 |  |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 0 |  | securities losses >30% of equity, NIM <2.5% |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 1 | reserve under noncurrent |  |

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

- 2026-04-07 [Man arrested after allegedly robbing Granville bank with knife - WEEK | 25 News Now](https://news.google.com/rss/articles/CBMihAFBVV95cUxNTUIzMkRTNTFnZ1Jaem9OTmFidkNseGVOVzc1LVVoR3ZlX1lJa1FQSW10NmdPSGs5VS1vNlgwWjEzVk13cHAtWjZ2cURMeUxDclFickZiTGJJQ1o5MXp2U0g3MXFvdUstMkFiclZGNDhRU1V3QUpRVElaV002QmtYc0QwSzg?oc=5) · WEEK | 25 News Now
- 2026-04-06 [Police nab suspect in Monday bank robbery in Granville - Shaw Local](https://news.google.com/rss/articles/CBMilAFBVV95cUxQdThkQ1A4RVlfbTUwTWhXZmMtSi13dmlkOEpPdk9qTVJrLUZBVklQby1wY3g5dWMzMXhqZ0JHdmhnRVJFbVBPZ1hsUFJlaE4zdjRQblJQRXVYNXJLNlRzLXY5SF90d0tNTXlaMko4UkxUeVdWbG12ZV9rRkpQdEEyR3UxZGZQMHp2cV9aX2ZVTFZPZUhi?oc=5) · Shaw Local
- 2026-04-07 [Accused Granville Bank Robber Identified - starvedrock.media](https://news.google.com/rss/articles/CBMiwwFBVV95cUxPNlFfTmg1cm5IX0dnU3VWUXhLLUgtYlFhZjhpRHhET2FaMVM2OW95QjJqUktLTmtlOHE5RXFmT1BFLWVfVmNEanJMbmFmSkRXY3R4azMzVVBHM0dncG5hdVpWNDBxVGFqbVNBejBrR1NpckYzSURPQ0tDZ2h1djNRWEtuVDk1czdqLWdSei1NcWlCOUVWUndjR3AxT0paWjZjeGl2bDl1ZU40UzRyVlpUdkVIVy10NnVVNVpraXV0RFMxdk0?oc=5) · starvedrock.media
- 2026-04-07 [Man in jail after alleged Putnam County bank robbery Monday - CIProud.com](https://news.google.com/rss/articles/CBMiigFBVV95cUxQbDQxcU0xUXZZZFlnb1hoZVE1NGxyN2g5Q2l0RWxLejhFeDNXX3ZKY3RXUE1yYXNkZjFmcWlhZ3FwX3hzajhNUE53dUszekhSSV9VN1pGYWJFRU9JQmxQOXpSYnlkUkEyVklJX2E5Z0JjU0VCNl82QzVtV21xX0dwTkxZdmNseWk3OXfSAY8BQVVfeXFMTXhYdkxWeDk2alpEVzZ0c0N4NGhqTHhNZXVJbWRZSm5iX1I5MGpZamVtLV9WTmlneWxVMTNmd3FmVDBWLVlkTk1VWjNReXNCOU1pcU1kWV8tdFExbVlrT1ZUR2I0eDVzSnQ2dFZ2ZEFxOTl2Z0U4TzZPTEhtMjVWek5hc2NCVGVOMlYteV9xMTQ?oc=5) · CIProud.com
- 2026-05-01 [Granville man set for June 22 trial on bank robbery - Shaw Local](https://news.google.com/rss/articles/CBMiqAFBVV95cUxNM3B4blNpTVppYXJKN2lBdHBESW02aW9fMVVNdTBYeWRVSG5xSnRwTVhLRWZOU2J4a2JuWXVjdE1SZ0dDdXkwQkdxQ1o5ZEY1TDJya2I1dVgyLXotU1pkMFNTWlZzZUFYaEN5ZFVTM3VfeG5CNXVMS2lMYnAyUnVIc2JQWmhjX1dtT2ZBS21BbHlUT0VpUnE1LWRva2pKMzNrelNFcTQ4ZHc?oc=5) · Shaw Local
- 2026-04-06 [Granville Armed Robbery Suspect In Custody - starvedrock.media](https://news.google.com/rss/articles/CBMixgFBVV95cUxQSEl3RG5MX2ROVE9NQlpoWjZxT3RBbDBSVk81a2NVbTkybEczYnVPSk10OEUtc0lONFpzOWdDb21WQjUyazI4cXBLYVVJV1psRnk5N1hBN25vOExobVFOVXZINjVTOHVHSjNId0pySjlpRnR3NUwzS0d4eFFDNDItTkR4dklDT2tmMG9uaEtRMF9rREtOTjJrWjJ2czJnQUJDT3h2UnlwRmt5TVVLR2lnZjl1aG5hS1FRN1h1ZkdFMzVHZl9XVkE?oc=5) · starvedrock.media
- 2026-04-09 [Granville man detained on bank robbery - Shaw Local](https://news.google.com/rss/articles/CBMiogFBVV95cUxQQlBNY1NuWkxNaXlJcFBXbVU0VVFiazJEYnFUejltLTM1Wmt2UWFfV2VfcjlZRnJWRUs5MnZlelM4cmxyRXpzYlRWc2VsdTQwLUR2elpUUk83YUNfeVRBWE9JNzZ6ZlRmdGFDbDRlVU9GUFhxNTI4a0UxTEhET1JBR0R5OUpVV1ZEdzJyUFEtSEV6eDRaOGJxNjdTSTJwYW9IaXc?oc=5) · Shaw Local
- 2026-08-03 [Granville man pleads guilty to April bank robbery - Shaw Local](https://news.google.com/rss/articles/CBMirgFBVV95cUxNV05STGJJVHRLZHZhUEcxVThmZVpNWG1BcE1scENsbUp1VExBdnRTMDczRWV5RnkwdWRfRmFqbGxUaWpwRlpqWTM3Ym9MMWNlWEdNWVNQYVlFdndpU0tELTB1bVgwSjRYemgtSmpWMlNFMk94YkM2RERwcWJhM3hkeGQyMFBTV21acWdNZ2FJN1dtb0loY040UTN6TmhSdjFRZk5HWHJIU2g0TUJwS0E?oc=5) · Shaw Local

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=13983 (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/31.json (key "13983", 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