| Metric | Great Rivers Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.9% | +4.4% | -0.5 pts |
| Deposit growth (YoY) | +8.9% | +4.0% | +4.9 pts |
| Loan growth (YoY) | +4.1% | +5.6% | -1.5 pts |
| ROA | 1.83% | 1.24% | +0.6 pts |
| ROE | 16.5% | 11.9% | +4.7 pts |
ROA ranks in the 81st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $194.6M | $167.9M | $159.6M | $22.1M | $1.8M | 1.83% | 4.30% | 0.09% |
| Q1 2026 | $196.2M | $174.2M | $155.8M | $21.5M | $889K | 1.83% | 4.21% | 0.11% |
| Q4 2025 | $193.3M | $159.8M | $159.5M | $20.9M | $2.2M | 1.18% | 4.09% | 0.09% |
| Q3 2025 | $190.8M | $154.0M | $157.1M | $21.2M | $2.1M | 1.48% | 4.07% | 0.02% |
| Q2 2025 | $187.3M | $154.2M | $153.3M | $20.6M | $1.4M | 1.48% | 4.04% | 0.05% |
| Q1 2025 | $182.9M | $156.3M | $149.1M | $19.9M | $640K | 1.42% | 3.91% | 0.02% |
| Q4 2024 | $178.6M | $151.2M | $144.8M | $19.2M | $1.9M | 1.10% | 3.90% | 0.02% |
| Q3 2024 | $172.4M | $139.4M | $140.4M | $19.5M | $1.7M | 1.34% | 3.87% | 0.03% |
Loan mix (Q2 2026): real estate $120.2M · commercial $12.8M · consumer $4.5M · securities $17.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Great Rivers Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.83% | 1.24% | 81st | |
Return on equity Annualized net income ÷ equity or net worth | 16.5% | 11.9% | 76th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.30% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 58.2% | 62.9% | 36th |
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 | Great Rivers 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 | Great Rivers Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Great Rivers 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 | Great Rivers 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 | Great Rivers Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
4 branches in 3 counties across 2 states (+0 vs 2025) · $167.9M branch deposits. Biggest market: Pike, IL, ranked 2nd with 21.7% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Pike, IL | 2 | $143.6M | 21.70% | 2nd |
| Adams, IL | 1 | $14.1M | 0.57% | 14th |
| Marion, MO | 1 | $10.2M | 1.04% | 11th |
Illinois: 304th with 0.02% · Missouri: 329th with 0.00% ·
Branch count: 2022 4 · 2023 4 · 2024 4 · 2025 4 · 2026 4
Spends about half what peers do on technology. Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).