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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-Q3

Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
83
/ 100
StrongAs of 2024-Q3QoQ +2

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

Quarterly Headline

2024-Q3

Bank #932633 2024-Q3 Vital Signs Score: 83/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (stable).

Liquidity:Stable
Securities:Strong
Capitalization:Stable
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 Q2 2024:
↑ +2 ptscomposite
  • Liquidity
    ↓ -3
  • Securities
    — —
  • Capitalization
    ↑ +13
  • Asset Quality
    ↑ +1
  • Reserves
    ↓ -5

The five pillars

Liquidity

StableQoQ -3
80
Sub-score

Liquidity is stable: brokered 2.6%, loans/deposits 84.5%, cash 5.0% of assets.

Cash / Assets
4.95%
Loans / Deposits
84.47%
Brokered %
2.60%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 11.5% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
11.48%
No watch items at this period.

Capitalization

StableQoQ +13
68
Sub-score

Capital position is stable: Tier 1 RBC 11.65%, CET1 11.65%, leverage 8.45%.

Tier 1 RBC
11.65%
CET1
11.65%
Leverage
8.45%
No watch items at this period.

Asset Quality

StrongQoQ +1
96
Sub-score

Asset quality is strong: Adjusted NPL 0.49%, Texas Ratio 3.7%, NCO YTD 0.06%.

Adjusted NPL
0.49%
Govt-guarantees stripped
Texas Ratio
3.7%
NCO YTD
0.06%
30-89 PD
0.91%
Band 0.3% / 3.0%
90+ PD
0.10%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ -5
75
Sub-score

Reserves are stable: ALLL 0.87% of loans, coverage 180.8%, true coverage 180.8%.

ALLL / Loans
0.87%
Coverage
180.8%
True Loss Coverage
180.8%
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