🏦Bank Scorer

GRAND RIVERS COMMUNITY BANK

GRAND CHAIN, IL · Supervised by FDIC

Est. 1902FDIC #10,816RSSD: FDIC-10816
Part ofMAIN STREET BANCSHARES INC→ View all charters
Satisfactory Same

Current rating · Exam: February 2023

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -3.33%

Institution Profile

FDIC BankFind

Address

260 S Main St, GRAND CHAIN, IL

County

Pulaski County

Established

January 1, 1902

Total Assets

$15M(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

February 1, 2023

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Feb 2028(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$15M

Total Deposits

$13M

Net Loans

$11M

Net Income

$-132K

ROA

-3.33%

ROE

-37.92%

Risk-Based Capital

12.10%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Branch Footprint

FDIC SOD 2025

Total Branches

2

Branch Deposits

$16M

1-Year Change

0

5-year net change: -1 branches

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

8 previous ratings locked — dating back to 1992

Unlock full CRA history, HMDA, financials, complaints CSVs, and PDF links for this bank.

orGet Business plan for unlimited access

One-time payment · No subscription required

Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

Embed this rating

Copy this snippet to embed a live rating badge on your website:

<iframe
  src="https://bankscorer.com/widget/bank/02c7871a-8070-492d-a992-fdd6c12fdeb4"
  width="320"
  height="80"
  frameborder="0"
  scrolling="no"
  style="border:none"
></iframe>

Updates automatically when the rating changes.

Preview: