Grand Ridge National Bank

Wheaton, IllinoisFDIC Cert #3674

OCCEstablished 19032 branches

Holding company: PREMIER COMMERCE BCORP INCRegulator: OCC

FDICCERT + OFFDOM

Portfolio mix & concentration

Loans

The composition, growth, and concentration of the loan book using reported Call Report categories.

As of Q1 2026

Portfolio composition

Loan mix

Latest reported loan balances by category
Category	Balance
Owner CRE	$133M
Investor CRE	$129M
Multifamily	$16.9M
Construction	$12.1M
1–4 family	$21.6M
C&I	$17.6M
Agriculture	$1.27M
Other	$24K

Loan book

Reported balances and balance-sheet intensity.

Gross loans

$332M

+7.7%y/y

Percentile by value47th percentileby value

FDICLNLSGR

Net loans

$328M

+7.8%y/y

Percentile by value47th percentileby value

FDICLNLSNET

Loans YoY

+7.78%

+20.5%y/y

Percentile by value62nd percentileby value

FDICLNLSNET

L/D

89.7%

+0.4%y/y

Percentile by value72nd percentileby value

FDICLNLSNET + DEP

Loans/assets

76.8%

−0.1%y/y

Percentile by value75th percentileby value

FDICLNLSNET + ASSET

RE loans %

95.21%

+0.7%y/y

Percentile by value81st percentileby value

FDICLNRE + LNLSGR

Concentration

Portfolio concentration relative to loans and risk-based capital.

CRE/capital

Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.

FDICLNRENROT + LNREMULT + LNRECONS + RBC

Construction/capital

Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.

FDICLNRECONS + RBC

Loan HHI

3,239points

−0.3%y/y

Peer standing16th percentile

FDICLNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD

Owner CRE %

40.23%

−9.7%y/y

Percentile by value100th percentileby value

FDICLNRENROW + LNLSGR

Investor CRE %

38.86%

+16.6%y/y

Percentile by value97th percentileby value

FDICLNRENROT + LNLSGR

C&I %

5.29%

−33.5%y/y

Percentile by value22nd percentileby value

FDICLNCI + LNLSGR