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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Granville, IL · FDIC certificate #13983
GRANVILLE NATIONAL BANK is an FDIC-insured institution based in Granville, IL (FDIC certificate #13983). In its Q3 2026 Call Report it reported total assets of $121M, total deposits of $109M and net loans of $56M. Its primary federal regulator is OCC.
Plain-language readout
GRANVILLE NATIONAL BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $121M in Q3 2026 and were lowest at $118M in Q1 2026.
Total deposits were highest at $109M in Q3 2026 and lowest at $105M in Q2 2026.
Over the whole period total assets rose 2.8%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $121M | $109M | $56M | 1.20% | 11.59% | 3.41% |
| Q2 2026 | $118M | $105M | $53M | 1.17% | 11.07% | 3.35% |
| Q1 2026 | $118M | $105M | $53M | 1.02% | 9.67% | 3.27% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $4.9M | $5.6M | -$662K | -11.8% |
| Federal funds sold | $85K | $2.3M | -$2.2M | -96.3% |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $57.3M | $54.7M | +$2.6M | +4.8% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $53.4M | $53.0M | +$382K | +0.7% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $537K | $513K | +$24K | +4.7% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $774K | $774K | $0K | 0.0% |
| All other assets | $1.3M | $1.3M | -$29K | -2.2% |
| Total assets | $118.4M | $118.2M | +$130K | +0.1% |
| Liabilities | ||||
| Total deposits | $105.1M | $105.2M | -$94K | -0.1% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $0K | $0K | $0K | n/a |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $491K | $740K | -$249K | -33.6% |
| Total liabilities | $105.6M | $106.0M | -$343K | -0.3% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $50K | $50K | $0K | 0.0% |
| Surplus | $2.2M | $2.2M | $0K | 0.0% |
| Retained earnings | $11.7M | $11.4M | +$306K | +2.7% |
| Accumulated other comprehensive income | -$1.2M | -$1.4M | +$167K | +12.1% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $12.7M | $12.3M | +$473K | +3.9% |
| Credit and capital | ||||
| Gross nonperforming assets | $1.2M | $252K | +$945K | +375.0% |
| Adjusted nonperforming assets | $1.2M | $252K | +$945K | +375.0% |
| Tangible equity plus allowance | $12.7M | $12.2M | +$482K | +4.0% |
| Texas ratio (gross) | 9.44% | 2.07% | +7.38 pts | See points |
| Texas ratio (adjusted) | 9.44% | 2.07% | +7.38 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 9.44% | 2.07% | +7.38 pts | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 11.10% | 10.95% | +0.15 pts | See points |
| Construction and land loans to total capital | 7.57% | 5.96% | +1.61 pts | See points |
| Commercial real estate to total capital | 55.94% | 53.55% | +2.39 pts | See points |
| Dividend payout, year to date | 24.89% | 28.76% | -3.87 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -11.41% | -13.32% | +1.91 pts | See points |
| Liquidity | ||||
| Core deposits | $103.3M | $103.2M | +$103K | +0.1% |
| Non-core funding | $1.9M | $2.1M | -$197K | -9.5% |
| Loans to core deposits | 52.41% | 52.08% | +0.33 pts | See points |
| Loans to deposits | 51.48% | 51.06% | +0.42 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 33.18% | 34.87% | -1.69 pts | See points |
| Loans pledged, share of loans | 28.90% | 28.78% | +0.12 pts | See points |
| Volatile liabilities | $1.9M | $2.1M | -$197K | -9.5% |
| Earnings | ||||
| Earnings before provision, year to date | $917K | $397K | +$520K | +131.0% |
| Earnings before provision, single quarter | $520K | $397K | +$123K | +31.0% |
| Provision for credit losses, year to date | $24K | $12K | +$12K | +100.0% |
| Yield and cost | ||||
| Yield on loans and leases | 5.92% | 5.82% | +0.10 pts | See points |
| Yield on interest-bearing balances due from banks | 2.96% | 2.73% | +0.22 pts | See points |
| Total interest income to average assets | 4.23% | 4.11% | +0.11 pts | See points |
| Cost of interest-bearing transaction accounts | 0.49% | 0.52% | -0.03 pts | See points |
| Cost of savings and money market deposits | 0.59% | 0.58% | +0.01 pts | See points |
| Cost of time deposits | 2.98% | 3.04% | -0.06 pts | See points |
| Total interest expense to average assets | 0.98% | 1.02% | -0.03 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $121M | $109M | $56M | 1.20% | 11.59% | 3.41% |
| 2026-06-30 | $118M | $105M | $53M | 1.17% | 11.07% | 3.35% |
| 2026-03-31 | $118M | $105M | $53M | 1.02% | 9.67% | 3.27% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| IL | $101.7M | 0.01% | 298 | Continuing · +0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.