Grand Ridge National Bank
Wheaton, IL
IDRSSD: 875132
Total Assets
$457.30M
Latest filing
Total Deposits
$398.31M
Latest filing
Net Interest Margin
5.03%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Grand Ridge National Bank
500 S County Farm Rd
Wheaton, IL 60187
Full Service - Brick and Mortar
Updated 11/14/2025Established 04/06/1903FDIC Certificate 2349
Branches (1)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Grand Ridge National Bank (Main) | 500 S County Farm Rd | Wheaton, IL |
| GRAND RIDGE BRANCH | 105 W Main St | Grand Ridge, IL |
Showing 1 of 1
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, national (federal) charter, Fed member, and supervised by the OCC |
| Primary Regulator | OCC |
| Established Date | 04/06/1903 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 60187 |
| State and County Number | 17043 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 07 |
| Numeric code | 3 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | Chicago-Naperville-Elgin, IL-IN-WI |
Operational Info
| Number of Employees | 38 |
| Domestic Offices | 2 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 04/12/2024 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.GRNbank.com |
| Data Updated | 11/14/2025 |
| CERT | 3674 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $457.30M |
| Total Deposits | $398.31M |
| Total Liabilities | $402.01M |
| Total Equity Capital | $55.28M |
| Net Income | $1.52M |
| Net Loans and Leases | $329.58M |
| Assets Per Employee ($Millions) | $12.03M |
| Bank Premises and Fixed Assets | $3.13M |
| Cash and Balances due from Depository Institutions | $121.02M |
| Deposits Held in Domestic Offices | $398.31M |
Key Performance Ratios
| Return on Assets (ROA) | 1.39% |
| Return on Equity (ROE) | 11.19% |
| Net Interest Margin | 5.03% |
| Efficiency Ratio | 60.72% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 12.09% |
| Earning Assets to total Assets | 97.89% |
Income and Expense
| Total Interest Income | $7.81M |
| Total Noninterest Income | $123.00k |
| Total Interest Expense | $2.41M |
| Total Noninterest Expense | $3.35M |
| Net Interest Income | $5.40M |
| Pre-tax Net Operating Income | $2.17M |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $3.70M |
| Total Liabilities and Capital | $457.30M |
Securities
| Securities | $77.00k |
| Available-for-sale debt securities | $77.00k |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Grand Ridge National Bank?
$457.30M as of the latest filing.
How much are Grand Ridge National Bank's total deposits?
$398.31M in total deposits.
Where is Grand Ridge National Bank located?
Wheaton, IL.
What is the Net Interest Margin?
5.03%.
How many domestic offices does it operate?
2.
When was it established?
04/06/1903.
What is the Return on Assets (ROA)?
1.39%.
How much are total loans and leases?
$329.58M (latest filing).
What is the total interest income (latest filing)?
$7.81M.