This comparison uses public regulatory filings and TFS methodology. It evaluates financial condition—not checking rates, account fees, service quality, or which institution is universally “best.”
Bank
Grand Chain, IL
Health score
43.5
Total assets
$15.1M
Bank
Denver, CO
Health score
46.1
Total assets
$15.5M
Answer first
Grand Rivers Community Bank leads on profitability; Young Americans Bank leads on financial health and capitalization and lending quality and growth. Those category leads describe current regulatory metrics only and do not establish a universal product or service winner.
Capital and asset-quality definitions are directly comparable for this pair.
Category leaders
Financial health
Young Americans Bank
Higher TFS health score
Capitalization
Young Americans Bank
Higher comparable capital ratio
Profitability
Grand Rivers Community Bank
Higher return on assets
Lending quality
Young Americans Bank
Lower problem-loan measure
Growth
Young Americans Bank
Higher year-over-year asset growth
Same-source detail
Winner markers appear only where the metric definitions are comparable and both values are available.
| Metric | Grand Rivers Community Bank | Young Americans Bank |
|---|---|---|
| TFS health score | 43.5/100 | 46.1/100Leads |
| Total assets | $15.1M | $15.5M |
| Total deposits / shares | $13.5M | $13.4M |
| Tier 1 capital ratio | 8.44% | 11.86%Leads |
| Return on assets | -3.37%Leads | -11.53% |
| Return on equity | -38.67%Leads |
Grand Rivers Community Bank
2 branches
Young Americans Bank
2 branches
No shared branch states were found in the current TFS branch dataset.
Grand Rivers Community Bank
Unavailable
Young Americans Bank
Unavailable
Counts use an explicitly reviewed CFPB-company-to-regulatory-ID mapping and the same complete 12-month window. Parent-company attribution can include complaints involving affiliates. Lower complaint volume is context—not proof of better service or less consumer harm.
Grand Rivers Community Bank
0 in TFS registry
Young Americans Bank
0 in TFS registry
Institution-level actions come from TFS's exact regulatory-ID registry and are shown as factual context only. They do not affect category winners or the TFS Financial Health Grade. A zero means no action is currently published in this curated registry—not proof that none exists.
Quarterly history
| Quarter | Grand Rivers Community Bank score | Grand Rivers Community Bank ROA | Young Americans Bank score | Young Americans Bank ROA |
|---|---|---|---|---|
| 2024-Q3 | — | -1.89% | — | -10.65% |
| 2024-Q4 | — | -1.62% | — | -10.19% |
| 2025-Q1 | — | -1.31% | — | -12.73% |
| 2025-Q2 | — | -1.97% | — | -12.43% |
| 2025-Q3 | — | -2.12% | — | -13.31% |
| 2025-Q4 | — | -2.23% | — | -13.60% |
| 2026-Q1 | 43.7/100 |
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Coverage boundaries
Related comparisons
Financial data comes from FDIC BankFind Suite or NCUA Call Reports as labeled. TFS Health Grades are an editorial assessment, not an official government rating or financial advice. Arbitrary comparison pairs are available dynamically but remain noindex unless curated for data completeness and user value.
| -89.68% |
| Non-performing loans | 19.04% | 10.53%Leads |
| Net charge-offs | 0.00% | 0.00% |
| Efficiency ratio | 169.39%Leads | 455.47% |
| Loan-to-deposit ratio | 77.33% | 0.35% |
| Asset growth (YoY) | -13.99% | -4.39%Leads |
| Deposit / share growth (YoY) | -13.61% | -4.34%Leads |
| Branches | 2 | 2 |
| Published CFPB complaints per $1B deposits (12 months)verified mappings only | — | — |
| -3.33% |
| 61.8/100 |
| -11.41% |
| 2026-Q2 | 43.5/100 | -3.37% | 46.1/100 | -11.53% |