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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 — 2025-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
90
/ 100
StrongAs of 2025-Q2QoQ +9

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

Quarterly Headline

2025-Q2

Bank #3286999 2025-Q2 Vital Signs Score: 90/100 — overall strong. Strongest pillar: Capitalization (strong). Weakest pillar: Securities (stable).

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

Top 3 Watch Items

  1. info
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.66% of loans.

What changed this quarter

Compared to Q1 2025:
↑ +9 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    ↓ -8
  • Capitalization
    ↑ +5
  • Asset Quality
    ↑ +1
  • Reserves
    ↑ +57

The five pillars

Liquidity

StrongQoQ -1
96
Sub-score

Liquidity is strong: brokered 4.6%, loans/deposits 64.5%, cash 9.4% of assets.

Cash / Assets
9.36%
Loans / Deposits
64.54%
Brokered %
4.57%
No watch items at this period.

Securities

StableQoQ -8
68
Sub-score

Securities profile is stable: securities 29.6% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
29.60%
No watch items at this period.

Capitalization

StrongQoQ +5
100
Sub-score

Capital position is strong: Tier 1 RBC 19.20%, CET1 19.20%, leverage 10.06%.

Tier 1 RBC
19.20%
CET1
19.20%
Leverage
10.06%
No watch items at this period.

Asset Quality

StrongQoQ +1
100
Sub-score

Asset quality is strong: Adjusted NPL 0.06%, Texas Ratio 0.3%, NCO YTD 0.02%.

Adjusted NPL
0.06%
Govt-guarantees stripped
Texas Ratio
0.3%
NCO YTD
0.02%
30-89 PD
0.22%
Band 0.3% / 3.0%
90+ PD
0.06%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ +57
72
Sub-score

Reserves are stable: ALLL 0.66% of loans, coverage 1067.4%, true coverage 1067.4%.

ALLL / Loans
0.66%
Coverage
1067.4%
True Loss Coverage
1067.4%

Watch Items

  • infoALLL / Loans below 0.75% — ALLL 0.66% 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