C
Grand Ridge National Bank
WheatonIL
Rating Date
October 2025
Risk Based
Capital Ratio
--
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Grand Ridge National Bank
Wheaton, IL
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Rating C
Asset Quality Index 7.20
Capitalization Index 10.00
Liquidity Index 1.80
Profitability Index 9.00
Stability Index 5.00
Company Info Grand Ridge National Bank
Wheaton, IL
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FDIC Number 3674
Phone Number (630) 580-1520
Website www.grnbank.com
Asset Quality Grand Ridge National Bank
Wheaton, IL
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1-Year Asset Growth 21.29%
5-Year Asset Growth 14.56%
5-Year Charge-Offs to Average Loans -0.03%
Charge-Offs to Average Loans -0.01%
Non-Performing Assets to Assets 0.31%
Non-Performing Loans to Capital 2.43%
Non-Performing Loans to Loans 0.42%
Balance Sheet Grand Ridge National Bank
Wheaton, IL
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Total Assets 457.30M
Total Deposits 398.31M
Capital and Reserves Grand Ridge National Bank
Wheaton, IL
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Capital 55.29M
Leverage Ratio 12.36
Loan Loss Reserves to Loans 1.04%
Risk-Based Capital Ratio --
Liquidity Grand Ridge National Bank
Wheaton, IL
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Hot Money Ratio 25.41%
Liquidity Ratio 30.12%
Profitability Grand Ridge National Bank
Wheaton, IL
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5-Year Return on Average Assets 1.66%
Net Income 4.60M
Net Interest Spread 5.03%
Operating Profit to Average Assets 2.11%
Overhead Efficiency Ratio 58.49%
Return on Assets 1.48%
Return on Equity 11.48%