Headquartered in Wheaton, Illinois, Grand Ridge National Bank is a national bank with $443.3M in total assets and $379.4M in deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1903.
Based on its Q2 2026 filing, Grand Ridge National Bank scores 79/100, which we describe as strong. That is higher than 75% of 2,650 banks with $100 million – $1 billion. Among 326 banks headquartered in Illinois, it ranks 72nd. Its strongest component is problem-loan coverage (92/100; 4.0%), and its lowest is funding & liquidity (47/100; 88% loans-to-deposits, 38% uninsured).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
The score has been essentially flat from Q2 2025 to Q2 2026 (79 → 79).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 78 |
| Q3 2024 | 80 |
| Q4 2024 | 82 |
| Q1 2025 | 80 |
| Q2 2025 | 79 |
| Q3 2025 | 77 |
| Q4 2025 | 76 |
| Q1 2026 | 79 |
| Q2 2026 | 79 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 13.00% |
| Q3 2024 | 13.25% |
| Q4 2024 | 13.21% |
| Q1 2025 | 13.31% |
| Q2 2025 | 12.88% |
| Q3 2025 | 12.36% |
| Q4 2025 | 12.37% |
| Q1 2026 | 13.53% |
| Q2 2026 | 13.77% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.14% |
| Q3 2024 | 0.14% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.29% |
| Q2 2025 | 0.41% |
| Q3 2025 | 0.42% |
| Q4 2025 | 0.35% |
| Q1 2026 | 0.56% |
| Q2 2026 | 0.76% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.45% |
| Q3 2024 | 1.44% |
| Q4 2024 | 1.50% |
| Q1 2025 | 1.56% |
| Q2 2025 | 1.54% |
| Q3 2025 | 1.48% |
| Q4 2025 | 1.46% |
| Q1 2026 | 1.63% |
| Q2 2026 | 1.72% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 79 | $443.3M | 13.77% | 0.76% | 1.72% | 88.0% |
| Q1 2026 | 79 | $427.5M | 13.53% | 0.56% | 1.63% | 89.7% |
| Q4 2025 | 76 | $446.8M | 12.37% | 0.35% | 1.46% | 84.2% |
| Q3 2025 | 77 | $457.3M | 12.36% | 0.42% | 1.48% | 82.7% |
| Q2 2025 | 79 | $422.3M | 12.88% | 0.41% | 1.54% | 83.7% |
| Q1 2025 | 80 | $396.1M | 13.31% | 0.29% | 1.56% | 89.4% |
| Q4 2024 | 82 | $383.0M | 13.21% | 0.00% | 1.50% | 90.0% |
| Q3 2024 | 80 | $377.0M | 13.25% | 0.14% | 1.44% | 91.9% |
| Q2 2024 | 78 | $374.5M | 13.00% | 0.14% | 1.45% | 91.9% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Illinois
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The City National Bank of MetropolisBank Metropolis, IL | 67 out of 100, Moderate | $444.4M | 13.8% | 1.68% | vs |
| Community State BankBank Galva, IL | 62 out of 100, Moderate | $441.9M | 9.4% | 1.38% | vs |
| Better BanksBank Peoria, IL | 59 out of 100, Moderate | $445.8M | 9.4% | 1.55% | vs |
| Eureka Savings BankBank La Salle, IL | 61 out of 100, Moderate | $435.8M | 21.6% | 3.05% | vs |
| Citizens State BankBank Lena, IL | 67 out of 100, Moderate | $453.3M | 9.6% | 1.23% | vs |
| First Federal Savings BankBank Ottawa, IL | 57 out of 100, Moderate | $421.9M | 10.7% | 1.32% | vs |
Deposit insurance
Is my money safe at Grand Ridge National Bank?
Yes. Grand Ridge National Bank is an FDIC-insured institution (FDIC certificate #3674). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 37.7% of deposits ($143.0M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 13.77%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
2 locations
Branches
Grand Ridge National Bank lists 2 offices in 2 cities. Most locations:
- Grand Ridge, IL (1)
- Wheaton, IL (1)
Identity & history
Profile
- Legal name
- Grand Ridge National Bank
- Former names
- The First National Bank of Grand Ridge
- Type
- National bank
- FDIC certificate #
- 3674
- RSSD ID
- 875132
- Primary regulator
- OCC
- Holding company
- Premier Commerce Bcorp Inc
- Established
- April 6, 1903
- Headquarters
- 500 S County Farm Rd, Wheaton, IL 60187
- Website
- www.grnbank.com
- Employees
- 36
Quick answers
Grand Ridge National Bank: common questions
Is Grand Ridge National Bank FDIC insured?
Yes. Grand Ridge National Bank is an FDIC-insured institution (FDIC certificate #3674). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Grand Ridge National Bank's TellerScore?
79 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Grand Ridge National Bank ever failed?
There is no failure record for FDIC certificate #3674 in the FDIC failed bank list.
How many branches does Grand Ridge National Bank have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Wheaton
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Aurora Policemen Credit UnionCredit union Aurora, IL | 95 out of 100, Very strong | $26.3M | 15.3% | 0.00% | vs |
| Western Springs Federal Credit UnionCredit union Western Springs, IL | 95 out of 100, Very strong | $3.9M | 18.2% | 0.46% | vs |
| Aurora Firefighters' Credit UnionCredit union Aurora, IL | 93 out of 100, Very strong | $2.7M | 16.1% | 0.00% | vs |
| St. Martin De Porres Parish Federal Credit UnionCredit union Chicago, IL | 93 out of 100, Very strong | $383K | 15.0% | 0.00% | vs |
| First Eagle BankBank Chicago, IL | 91 out of 100, Very strong | $649.6M | 21.3% | 0.10% | vs |
| Chicago Firefighter'S Credit UnionCredit union Chicago, IL | 89 out of 100, Very strong | $92.9M | 14.1% | 0.07% | vs |