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Bank Of Grand Lake

IDRSSD: 3286999
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q1

Per-quarter snapshot for 2024-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
82
/ 100
StrongAs of 2024-Q1QoQ -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-Q1

Bank #3286999 2024-Q1 Vital Signs Score: 82/100 — overall strong. Strongest pillar: Asset Quality (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. info
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.73% of loans.

What changed this quarter

Compared to Q4 2023:
↓ -2 ptscomposite
  • Liquidity
    ↑ +6
  • Securities
    ↑ +3
  • Capitalization
    ↓ -2
  • Asset Quality
    — —
  • Reserves
    ↓ -20

The five pillars

Liquidity

StrongQoQ +6
96
Sub-score

Liquidity is strong: brokered 5.3%, loans/deposits 65.1%, cash 9.7% of assets.

Cash / Assets
9.69%
Loans / Deposits
65.12%
Brokered %
5.34%
No watch items at this period.

Securities

StableQoQ +3
79
Sub-score

Securities profile is stable: securities 26.4% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
26.40%
No watch items at this period.

Capitalization

StrongQoQ -2
89
Sub-score

Capital position is strong: Tier 1 RBC 15.12%, CET1 15.12%, leverage 8.09%.

Tier 1 RBC
15.12%
CET1
15.12%
Leverage
8.09%
No watch items at this period.

Asset Quality

Strong
100
Sub-score

Asset quality is strong: Adjusted NPL 0.00%, Texas Ratio 0.0%, NCO YTD 0.06%.

Adjusted NPL
0.00%
Govt-guarantees stripped
Texas Ratio
0.0%
NCO YTD
0.06%
30-89 PD
0.04%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ -20
23
Sub-score

Reserves are weak: ALLL 0.73% of loans.

ALLL / Loans
0.73%
Coverage
—
True Loss Coverage
—

Watch Items

  • infoALLL / Loans below 0.75% — ALLL 0.73% of loans.

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: 2026-05-14 05:50:56 UTC