# GRUNDY BANK
MORRIS, IL · FDIC certificate 3713 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 (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 | $504.7M | |
| Deposits | $449.3M | |
| Loans and leases | $249.0M | |
| Total equity | $53.4M | |
| Loans / deposits | 54.78% (p9 of band) | 82.04% |
| Liquid assets / assets | 48.56% (p91 of band) | |
| Uninsured deposits / deposits | 47.23% (p94 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 12.62% (p76 of band) | 10.81% |
| Unrealized securities loss / equity | -0.32% (p93 of band) | -8.10% |
| AOCI / equity | -0.38% (p48 of band) | |
| ROA (annualized) | 2.92% (p97 of band) | 1.28% |
| Net interest margin | 4.52% (p83 of band) | 3.91% |
| Efficiency ratio | 44.94% (p10 of band) | |
| Noncurrent loans | 0.20% (p34 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p29 of band) | |
| Reserve coverage of noncurrent | 560.52% | |
| Real estate % of loans | 79% | |
| Construction % of loans | 47.02% (p53 of band) | |
| Auto loans | $797,000 (0.32% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 7.0% | |
| Employees | 57 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 2 | charge-offs p90 |  |
| 2011-09 | 1 |  | charge-offs p90 |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 2 | capital falling |  |
| 2012-12 | 1 |  | capital falling |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 0 |  | reserve under noncurrent |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | charge-offs p90 |  |
| 2014-06 | 3 | reserve under noncurrent, deposits shrinking, assets shrinking | charge-offs p90 |
| 2014-09 | 1 |  | deposits shrinking, assets shrinking |
| 2014-12 | 1 |  |  |
| 2015-03 | 0 |  | reserve under noncurrent |
| 2015-06 | 0 |  |  |
| 2015-09 | 1 | capital falling |  |
| 2015-12 | 0 |  | capital falling |
| 2016-03 | 0 |  |  |
| 2016-06 | 4 | capital falling, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2016-09 | 3 |  | uninsured deposits leaving |
| 2016-12 | 0 |  | capital falling, deposits shrinking, assets shrinking |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | capital falling |  |
| 2017-09 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2017-12 | 0 |  | capital falling, deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2018-03 | 0 |  |  |
| 2018-06 | 4 | capital falling, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2018-09 | 0 |  | capital falling, deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2019-12 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2020-03 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2020-06 | 1 |  | deposits shrinking, assets shrinking |
| 2020-09 | 1 | capital falling | uninsured deposits leaving |
| 2020-12 | 1 |  |  |
| 2021-03 | 0 |  | capital falling |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | NIM <2.5% |  |
| 2022-06 | 0 |  | NIM <2.5% |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2023-06 | 0 |  | deposits shrinking, uninsured deposits leaving |
| 2023-09 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2023-12 | 1 |  | assets shrinking, uninsured deposits leaving |
| 2024-03 | 1 |  |  |
| 2024-06 | 3 | assets shrinking, uninsured deposits leaving |  |
| 2024-09 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 1 | capital falling |  |
| 2025-12 | 0 |  | capital falling |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

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

- 2025-11-20 [Grundy Bank names new senior vice president - Shaw Local](https://news.google.com/rss/articles/CBMiogFBVV95cUxNNk5zTk41ajNnM05DU25ZWXRxa0ZEZjJSOXF5bUxNOFl2Nm16OVJPLUtkbWRxNFk5UTRCcndvMXU1ZGJJaDBMVHhyN2MzNUl4TS00T2tYSm9EQ0VTWmJBNFZJWUVzSG5ydXRsb0dESGhoSXl4UjM0WjV1MUItVnJBZ0l6WHlNSnphNkR3VXE4dVREdDBPb2kxazZzdVVVSTZhV2c?oc=5) · Shaw Local
- 2021-10-29 [Tom Tesdal Joins Grundy Bank - wcsjnews.com](https://news.google.com/rss/articles/CBMitAFBVV95cUxOakNyNEFDUTNGeG1LZVBmWXJMV250amNwZHZodUs2cktJc2VBSWcxWU4yRnFITDdYRkJIM0E4YmFCY3padURXam9MdWlKWGFrS0VKaDFTMmlCM3NwSzlIMUJ6cUotQW1nZ0l1Y2d0ZjFUcGx6QWdjYk1YTjV4NHNvdmVmZEVlbGFMcFVIcHY1V2U5OXg0WmktOEVMa3hESE96MTJ5M3BwZHRNRldkSGxGOWNJTTM?oc=5) · wcsjnews.com
- 2020-01-03 [Grundy Bank Sued By Woman Who Fell In Braidwood - Patch](https://news.google.com/rss/articles/CBMijwFBVV95cUxNTnljWkdWVFpQRGtwSXJ5N2FsajZuWmlGbHNXcEt2NkFDSjhKWFpKQVRWS3J5U3ZUU2cwY1lIcVJYajFfSHdlRHgyT2dtaU5wT2RIQUNTdkdYS1g3WGo1NkI2Z2NDMHRubDZ6c2ZKbmdEVXFPUUI4a2Y3a04tM0RjNDk2N19IMEtLZXZJeXpTQQ?oc=5) · Patch
- 2025-08-12 [Grundy Bank introduces Ava Terry as new marketing director - Shaw Local](https://news.google.com/rss/articles/CBMitgFBVV95cUxOV2hYQklOeUdwZ0diNDhkdkpsLXEzbHZxbkVZRUh5ZHJDZkdZaVMzYUU4elVOMWlSZDZDLVppS3ZZYnJ5VTZoVVpIRG1VdjFsREhSanU2UWh5d19panVvU0VLNFliQl81VVJiZVdzbEpwMDZ1U0wyc05zRGlIWWhKVFNLR0VOOHhzVWo0RWJnZDUzX0d1Q01nX1pCRTZxZ1h2aTA2U3VBRE1rOVRuZVJFRVVMUS1HZw?oc=5) · Shaw Local
- 2023-12-01 [Grundy Bank announces new vice president - Shaw Local](https://news.google.com/rss/articles/CBMingFBVV95cUxOS3ItT3BWWWlOdk90VmlqUDNEdXNOZGZLVV9rRlJqU3JjVUhNOTdmVlRQUWFpS0x1VGlYOVRVZHF4TnpTVzhrTUJ6bi1FbnRXd3ZPTTczb2NOR1FoQmpXWkpRREdiSEw1RElGY2t6Vk5ldVZUWk1iNUQzT05SWHpoemtNcXBKMnlneTRxVmVwWGU0UUk3OG5lUDA2ZXVTdw?oc=5) · Shaw Local
- 2024-08-11 [George Kemp Obituary (1932 - 2024) - Lexington, IL - The Pantagraph - legacy.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxOMEJwa25XdTJXLTlDX19JNDA5VnVoYjNHMzBNaGpkZm1YT0ZhcUV4cWtKT1M5Zm9qU3kzd19DTEF2NVNSNERfSjYyMWl4dUxDSmdoa1BWdDNuUnJXUlR0SWMwbFFnZENQX1hhSEUxbmROVHZ6SjZPRXBBME1KTnIzdGpHR1lOM3Vmak1GbG5R?oc=5) · legacy.com
- 2024-11-28 [Grundy Bank holds annual coat drive as cold weather approaches - Shaw Local](https://news.google.com/rss/articles/CBMiuwFBVV95cUxPY3lYUGpJenZJcjg5dFBnS1lzdHhyQUdYRTRXRVlhZmdJN3FpQmFsQjd1UVRSSEFubk1DZGlqLUR6SzdTU2RDOU41WVp2d3NkOEl4ZXF5Sml1ek00SFV6cmdOWUZySFpwSk5ManRYcjVHRzZ0bGhjX3JFaHFPYlJtY0FfX2xzY0lvYU1hSWRVMWdBS3ZQRWt1aTN3c0lkNFpHcS1aTG9wQjg1RTFlMGUtLS1nd3hGSHQ1ZnNJ?oc=5) · Shaw Local
- 2025-04-17 [Grundy Bank welcomes Kelly McDonald as new commercial lender - Shaw Local](https://news.google.com/rss/articles/CBMiuAFBVV95cUxPWF9saWlDZHQtZlhzUmxwa3hvREdRZWo0ZHp3Tnh1WEhIMVR2Q0xBWVN2WU1xY2ctZF9RMnRqWlE0VUJUUU1tQ1R5MGk2SjVvVGRIME0yZXk3czh4UERnd3lsNG1qdW5uTkxiTkE1cThna1ZHaGRybHV5aGxVc0YyOVNSdW02LW1KQkVUQnVySWtRdzA5ZWk2Q2E5bDE1Q2FOZ1c1SGRoWXFjSXhMUmJMOE5HX2VEYnFB?oc=5) · Shaw Local

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=3713 (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/1.json (key "3713", 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