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Bank Of Gibson City

IDRSSD: 932633
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q2

Per-quarter snapshot for 2024-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
81
/ 100
StrongAs of 2024-Q2QoQ -7

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2024-Q2

Bank #932633 2024-Q2 Vital Signs Score: 81/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (watch).

Liquidity:Strong
Securities:Strong
Capitalization:Watch
Asset Quality:Strong
Reserves:Stable

Top 3 Watch Items

No watch items detected this quarter — every pillar within band.

What changed this quarter

Compared to Q1 2024:
↓ -7 ptscomposite
  • Liquidity
    ↓ -9
  • Securities
    — —
  • Capitalization
    ↓ -22
  • Asset Quality
    ↑ +2
  • Reserves
    ↓ -2

The five pillars

Liquidity

StrongQoQ -9
82
Sub-score

Liquidity is strong: brokered 2.6%, loans/deposits 80.3%, cash 5.2% of assets.

Cash / Assets
5.16%
Loans / Deposits
80.34%
Brokered %
2.55%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 11.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
11.91%
No watch items at this period.

Capitalization

WatchQoQ -22
54
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.52%, CET1 10.52%, leverage 8.20%.

Tier 1 RBC
10.52%
CET1
10.52%
Leverage
8.20%
No watch items at this period.

Asset Quality

StrongQoQ +2
95
Sub-score

Asset quality is strong: Adjusted NPL 0.38%, Texas Ratio 3.0%, NCO YTD 0.11%.

Adjusted NPL
0.38%
Govt-guarantees stripped
Texas Ratio
3.0%
NCO YTD
0.11%
30-89 PD
0.93%
Band 0.3% / 3.0%
90+ PD
0.25%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ -2
80
Sub-score

Reserves are stable: ALLL 0.89% of loans, coverage 236.9%, true coverage 174.1%.

ALLL / Loans
0.89%
Coverage
236.9%
True Loss Coverage
174.1%
No watch items at this period.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-15 08:40:33 UTC