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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-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
89
/ 100
StrongAs of 2025-Q4QoQ -2

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

Quarterly Headline

2025-Q4

Bank #3286999 2025-Q4 Vital Signs Score: 89/100 — overall strong. Strongest pillar: Capitalization (strong). Weakest pillar: Reserves (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 0.64% of loans.

What changed this quarter

Compared to Q3 2025:
↓ -2 ptscomposite
  • Liquidity
    ↓ -7
  • Securities
    ↓ -1
  • Capitalization
    — —
  • Asset Quality
    ↓ -1
  • Reserves
    ↓ -1

The five pillars

Liquidity

StrongQoQ -7
87
Sub-score

Liquidity is strong: brokered 4.7%, loans/deposits 72.2%, cash 6.2% of assets.

Cash / Assets
6.16%
Loans / Deposits
72.21%
Brokered %
4.70%
No watch items at this period.

Securities

StableQoQ -1
74
Sub-score

Securities profile is stable: securities 27.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
27.95%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 19.76%, CET1 19.76%, leverage 10.82%.

Tier 1 RBC
19.76%
CET1
19.76%
Leverage
10.82%
No watch items at this period.

Asset Quality

StrongQoQ -1
99
Sub-score

Asset quality is strong: Adjusted NPL 0.19%, Texas Ratio 1.1%, NCO YTD 0.02%.

Adjusted NPL
0.19%
Govt-guarantees stripped
Texas Ratio
1.1%
NCO YTD
0.02%
30-89 PD
0.45%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ -1
71
Sub-score

Reserves are stable: ALLL 0.64% of loans, coverage 337.9%, true coverage 337.9%.

ALLL / Loans
0.64%
Coverage
337.9%
True Loss Coverage
337.9%

Watch Items

  • infoALLL / Loans below 0.75% — ALLL 0.64% 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