Bank of Grandin (FDIC Cert #9392), a $231.4M bank headquartered in Grandin, MO, reported $197.1M in deposits at the end of Q3 2025, an increase of $8.0M (+4.2%) compared to the same quarter last year.
The bank's 74.6% loan-to-deposit ratio represents a balanced approach between deploying deposits into loans and maintaining adequate liquidity.
Deposit Composition
Bank of Grandin's deposit portfolio is led by Transaction Accounts, comprising 27.8% of total deposits. A heavy concentration in transaction accounts provides operational flexibility and typically lower funding costs.
Deposit Portfolio Breakdown
| Deposit Type | Balance | % of Total |
|---|---|---|
| Transaction Accounts | $54.8M | 27.8% |
| Time Deposits <$100K | $35.3M | 17.9% |
| Savings Deposits | $32.1M | 16.3% |
Source: FDIC Call Reports (Q3 2025)
Quarterly Deposit Trends
Moderate deposit growth suggests stable customer relationships balanced with competitive pricing pressures.
Quarterly Trend
| Period | Total Deposits | QoQ Change |
|---|---|---|
| Q2_2024 | $184.5M | |
| Q3_2024 | $189.1M | +2.5% |
| Q4_2024 | $190.9M | +1.0% |
| Q1_2025 | $193.4M | +1.3% |
| Q2_2025 | $195.2M | +0.9% |
| Q3_2025 | $197.1M | +1.0% |
Source: FDIC Call Reports
Peer Comparison
Among 1356 banks nationally in its $115.7M–$347.1M asset peer group, Bank of Grandin ranks in the 49th percentile for deposit growth.
Within MO, among 80 similarly-sized banks ($115.7M–$347.1M assets), Bank of Grandin ranks in the 41st percentile for deposit growth, trailing the state peer average by 4.4 percentage points.
Banks vs Credit Unions: MO Market
Compared to 1 similarly-sized credit unions in MO, Bank of Grandin outperformed the credit union sector by 0.5 percentage points. Credit unions in MO averaged +3.8% deposit growth over the same period.
Note: Credit union "deposits" are technically member shares but serve an equivalent funding role. Comparisons are limited to institutions of similar asset size to ensure relevance.
Historical Context: Since the 2008 Crisis
Bank of Grandin's deposit base has grown 82% since Q3 2008, when the financial crisis was at its peak. At that time, the bank held $108.0M in deposits.
◆ Why This Matters
Finleet's take on what treasurers, CFOs, and bank analysts should focus on:
- Overcapitalized: Equity/assets of 14.2% exceeds regulatory minimums by a wide margin. While this provides a cushion, it may indicate limited growth opportunities or preparation for a capital event (dividend, buyback, or acquisition).
Outlook
Bank of Grandin's deposit trajectory will depend on rate competitiveness, relationship banking efforts, and the broader economic environment affecting deposit behavior.
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Access Bank of Grandin's complete entity profile including financials, regulatory filings, and corporate structure.
Data Sources: FDIC Call Reports (Q3 2025), FFIEC Central Data Repository, Finleet Proprietary Analysis
Methodology: Year-over-year growth calculated comparing Q3 2025 to same quarter prior year. Peer groups defined as banks within 50% asset range. All financial values reported in thousands unless otherwise noted.