Grand Rivers Community Bank is a bank based in Grand Chain, Illinois, established in 1902, with $15 million in total assets across 2 branches. By Trust Grade it ranks 322nd of 328 banks we track in Illinois. Its capital ratio of 8.8% trails most similarly sized banks (16th percentile), versus a Illinois median of 10.3%. It posted a loss over the most recent period (-3.33% return on assets), a point to watch. No consumer complaints against Grand Rivers Community Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Grand Rivers Community Bank compares to Illinois peers
How we graded Grand Rivers Community Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Well-capitalized (8.8% capital ratio)
- Unprofitable over the period (ROA -3.33%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Grand Rivers Community Bank over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (2)
- 406 Washington Street, Karnak, IL 62956
- 260 S Main St, Grand Chain, IL 62941
Are deposits at Grand Rivers Community Bank insured?
Yes. Grand Rivers Community Bank is an FDIC-insured bank (FDIC certificate #10816). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Grand Rivers Community Bank: frequently asked questions
Is Grand Rivers Community Bank a good bank?
Grand Rivers Community Bank earns a Bankzia Trust Grade of D (68/100, "Below average"), based on a financial-strength score of 68/100 (it has no CFPB complaints on record). Well-capitalized (8.8% capital ratio); Unprofitable over the period (ROA -3.33%).
Is Grand Rivers Community Bank FDIC-insured?
Yes. Grand Rivers Community Bank is a FDIC-insured bank (FDIC certificate #10816). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Grand Rivers Community Bank?
Grand Rivers Community Bank holds $15 million in total assets, ranking 322nd of 328 banks we track in Illinois. It operates 2 branches.
Does Grand Rivers Community Bank have CFPB complaints?
No CFPB complaints against Grand Rivers Community Bank appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
