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BDI
GR

Grand Rivers Community Bank

Grand Chain, IllinoisFDIC Cert #10816

STATEEstablished 19022 branches

Holding company: MAIN STREET BANCSHARES INCRegulator: FDIC

FDICCERT + OFFDOM

Delinquency, loss & reserves

Credit

Early-stage delinquency, nonaccruals, realized loss, and allowance coverage from reported filings.

As of Q1 2026

Problem credits

Reported delinquent and nonperforming exposures, shown as balances and ratios.

30–89 %
7.04%
−31.9%y/y
Peer standing2nd percentile
Peer standing in FFIEC UBPR Peer Group 8 — Insured commercial banks having assets less than $50 million
FDICP3ASSET + LNLSGR
90+ %
1.66%
−24.2%y/y
Peer standing6th percentile
Peer standing in FFIEC UBPR Peer Group 8 — Insured commercial banks having assets less than $50 million
FDICP9ASSET + LNLSGR
Nonaccrual %
17.29%
+123.6%y/y
Peer standing1st percentile
Peer standing in FFIEC UBPR Peer Group 8 — Insured commercial banks having assets less than $50 million
FDICNAASSET + LNLSGR
Noncurrent %
18.94%
+91.0%y/y
Peer standing1st percentile
Peer standing in FFIEC UBPR Peer Group 8 — Insured commercial banks having assets less than $50 million
FDICP9ASSET + NAASSET + LNLSGR
NPA/assets
13.96%
+101.2%y/y
Peer standing0th percentile
Peer standing in FFIEC UBPR Peer Group 8 — Insured commercial banks having assets less than $50 million
FDICP9ASSET + NAASSET + ORE + ASSET
NPA
$2.11M
+67.0%y/y
Peer standing1st percentile
Peer standing in FFIEC UBPR Peer Group 8 — Insured commercial banks having assets less than $50 million
FDICP9ASSET + NAASSET + ORE

Loss & allowance

Recognized charge-offs and the allowance held against the loan portfolio.

NCO rate
0.00%
Peer standing84th percentile
Peer standing in FFIEC UBPR Peer Group 8 — Insured commercial banks having assets less than $50 million
FDICNTLNLS + LNLSGR
NCO
$0
Peer standing85th percentile
Peer standing in FFIEC UBPR Peer Group 8 — Insured commercial banks having assets less than $50 million
FDICNTLNLS + DRLNLS + CRLNLS
ACL/loans
4.93%
+14.3%y/y
Percentile by value96th percentileby value
Peer standing in FFIEC UBPR Peer Group 8 — Insured commercial banks having assets less than $50 million
FDICLNATRES + LNLSGR
30–89
$785K
−40.4%y/y
Peer standing7th percentile
Peer standing in FFIEC UBPR Peer Group 8 — Insured commercial banks having assets less than $50 million
FDICP3ASSET
90+
$185K
−33.7%y/y
Peer standing4th percentile
Peer standing in FFIEC UBPR Peer Group 8 — Insured commercial banks having assets less than $50 million
FDICP9ASSET
Nonaccrual
$1.93M
+95.5%y/y
Peer standing1st percentile
Peer standing in FFIEC UBPR Peer Group 8 — Insured commercial banks having assets less than $50 million
FDICNAASSET