GRAND RIVER BANK

GRANDVILLE, MI · Supervised by FDIC

Est. 2009FDIC #58,789RSSD: FDIC-58789

Part ofGRAND RIVER COMMERCE INC→ View all charters

Satisfactory Same

Current rating · Exam: August 2014

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.63%

Institution Profile

FDIC BankFind

Website

www.grandriverbank.com

Address

4471 Wilson Ave Sw, GRANDVILLE, MI

County

Kent County

Established

April 30, 2009

Total Assets

$511M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

August 1, 2014

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 11 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.

Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$511M

Total Deposits

$440M

Net Loans

$434M

Net Income

$814K

ROA

0.63%

ROE

6.53%

Risk-Based Capital

13.63%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate7.96%Peer avg: 7.63%▼ Below avg

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Branch Footprint

FDIC SOD 2025

Total Branches

Branch Deposits

$431M

1-Year Change

5-year net change: +1 branches

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	113	79.65%	7.96%
2023	183	78.69%	3.83%
2022	249	75.1%	7.63%
2021	459	85.19%	5.23%
2020	724	79.7%	5.66%
2019	379	85.49%	5.28%
2018	217	84.33%	3.69%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 2 exams

1 previous rating locked — dating back to 2010

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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