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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-Q4

Per-quarter snapshot for 2024-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
79
/ 100
StableAs of 2024-Q4QoQ -4

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

Quarterly Headline

2024-Q4

Bank #932633 2024-Q4 Vital Signs Score: 79/100 — overall stable. 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 Q3 2024:
↓ -4 ptscomposite
  • Liquidity
    ↑ +3
  • Securities
    — —
  • Capitalization
    ↓ -8
  • Asset Quality
    ↓ -6
  • Reserves
    ↓ -8

The five pillars

Liquidity

StrongQoQ +3
83
Sub-score

Liquidity is strong: brokered 1.7%, loans/deposits 84.8%, cash 6.1% of assets.

Cash / Assets
6.10%
Loans / Deposits
84.80%
Brokered %
1.66%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 9.5% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
9.48%
No watch items at this period.

Capitalization

WatchQoQ -8
60
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.95%, CET1 10.95%, leverage 8.35%.

Tier 1 RBC
10.95%
CET1
10.95%
Leverage
8.35%
No watch items at this period.

Asset Quality

StrongQoQ -6
90
Sub-score

Asset quality is strong: Adjusted NPL 0.59%, Texas Ratio 4.6%, NCO YTD 0.02%.

Adjusted NPL
0.59%
Govt-guarantees stripped
Texas Ratio
4.6%
NCO YTD
0.02%
30-89 PD
1.55%
Band 0.3% / 3.0%
90+ PD
0.23%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ -8
66
Sub-score

Reserves are stable: ALLL 0.85% of loans, coverage 145.8%, true coverage 120.5%.

ALLL / Loans
0.85%
Coverage
145.8%
True Loss Coverage
120.5%
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