| Metric | Grand River Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.8% | +4.9% | -5.7 pts |
| Deposit growth (YoY) | +3.5% | +4.3% | -0.8 pts |
| Loan growth (YoY) | -6.3% | +5.3% | -11.6 pts |
| ROA | 0.62% | 1.28% | -0.7 pts |
| ROE | 6.3% | 12.4% | -6.1 pts |
ROA ranks in the 13th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $507.3M | $446.1M | $423.6M | $51.0M | $1.6M | 0.62% | 2.87% | 0.14% |
| Q1 2026 | $510.5M | $440.0M | $434.2M | $50.3M | $814K | 0.63% | 2.81% | 0.18% |
| Q4 2025 | $516.3M | $446.4M | $441.4M | $49.4M | $1.9M | 0.38% | 2.76% | 0.18% |
| Q3 2025 | $522.3M | $451.7M | $439.6M | $50.1M | $1.3M | 0.34% | 2.72% | 0.09% |
| Q2 2025 | $511.4M | $431.0M | $451.8M | $49.5M | $758K | 0.29% | 2.70% | 0.09% |
| Q1 2025 | $516.2M | $436.7M | $461.1M | $49.0M | $368K | 0.28% | 2.70% | 0.09% |
| Q4 2024 | $523.7M | $436.7M | $475.3M | $48.3M | $776K | 0.14% | 2.55% | 0.09% |
| Q3 2024 | $541.0M | $471.7M | $483.5M | $48.3M | $354K | 0.09% | 2.50% | 0.09% |
Loan mix (Q2 2026): real estate $392.9M · commercial $33.5M · consumer $661K · securities $15.7M
| Ratio | Grand River Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.62% | 1.28% | 13th | |
Return on equity Annualized net income ÷ equity or net worth | 6.3% | 12.4% | 16th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.87% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.1% | 61.2% | 89th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Grand River Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Grand River Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Grand River Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Grand River Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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