Grand Rivers Community Bank
Grand Chain, IL
IDRSSD: 226949
Total Assets
$16.55M
Latest filing
Total Deposits
$14.76M
Latest filing
Net Interest Margin
4.61%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
081213269GRAND CHAIN, IL
Key People
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Locations
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Main Office
Grand Rivers Community Bank
260 S Main St
Grand Chain, IL 62941
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1902FDIC Certificate 6919
Branches (1)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Grand Rivers Community Bank (Main) | 260 S Main St | Grand Chain, IL |
| KARNAK BRANCH | 406 Washington Street | Karnak, 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, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 01/01/1902 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 62941 |
| State and County Number | 17153 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 08 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 7 |
| Domestic Offices | 2 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.grandriverscommunitybank.com |
| Data Updated | 01/30/2026 |
| CERT | 10816 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $16.55M |
| Total Deposits | $14.76M |
| Total Liabilities | $15.10M |
| Total Equity Capital | $1.46M |
| Net Income | $-108,000 |
| Net Loans and Leases | $11.56M |
| Assets Per Employee ($Millions) | $2.37M |
| Bank Premises and Fixed Assets | $270.00k |
| Cash and Balances due from Depository Institutions | $0 |
| Deposits Held in Domestic Offices | $14.76M |
Key Performance Ratios
| Return on Assets (ROA) | -2.54% |
| Return on Equity (ROE) | -28.58% |
| Net Interest Margin | 4.61% |
| Efficiency Ratio | 151.92% |
| Tier 1 Risk-Based Capital Ratio | 10.156% |
| 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 | 8.807% |
| Earning Assets to total Assets | 90.04% |
Income and Expense
| Total Interest Income | $223.00k |
| Total Noninterest Income | $31.00k |
| Total Interest Expense | $46.00k |
| Total Noninterest Expense | $316.00k |
| Net Interest Income | $177.00k |
| Pre-tax Net Operating Income | $-108,000 |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $192.00k |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $142.00k |
| Total Liabilities and Capital | $16.55M |
Securities
| Securities | $1.14M |
| Available-for-sale debt securities | $1.14M |
| Equity securities with readily determinable fair values not held for trading | — |
| 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 Rivers Community Bank?
$16.55M as of the latest filing.
How much are Grand Rivers Community Bank's total deposits?
$14.76M in total deposits.
Where is Grand Rivers Community Bank located?
Grand Chain, IL.
What is the Net Interest Margin?
4.61%.
How many domestic offices does it operate?
2.
When was it established?
01/01/1902.
What is the Return on Assets (ROA)?
-2.54%.
How much are total loans and leases?
$11.56M (latest filing).
What is the total interest income (latest filing)?
$223.00k.