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Grand Ridge National Bank
Wheaton, IL · FDIC Certificate #3674 · Chartered 04/0
Total assets
$443.32M
Total deposits
$379.42M
Total equity
$60.60M
Net loans
$333.81M
Branches (offices)
2
Net income (YTD)
$3.77M
Rank: #1,937 of 4,213 U.S. banks by assets · #113 of 322 in Illinois. Assets changed 5.0% and deposits 3.7% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.72% |
| Return on equity | 12.85% |
| Net interest margin (YTD) | 5.32% |
| Equity to assets | 13.67% |
| Tier 1 leverage ratio | 13.77% |
| Uninsured deposits (share of deposits) | 37.7% |
| Noncurrent loans (share of loans) | 0.76% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 88.0% |
| Real estate loans (share of loans) | 95.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $318.99M | 95.6% | |
| Commercial & industrial | $17.69M | 5.3% | |
| Consumer / individual | $0 | 0.0% | |
| Construction & development | $11.75M | 3.5% | |
| Agricultural | $698.00K | 0.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $303.73M | $262.36M | $3.01M | $39.16M |
| Jun 2023 | $335.11M | $288.86M | $2.92M | $44.62M |
| Jun 2024 | $374.53M | $323.51M | $2.63M | $48.96M |
| Jun 2025 | $422.27M | $365.86M | $3.08M | $53.76M |
| Jun 2026 | $443.32M | $379.42M | $3.77M | $60.60M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Illinois | $379.42M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $379.42M.
Similar-sized banks
Community Bank Delaware ($443.59M) · Broadstreet Bank S S B ($442.83M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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