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Bank Of Grandin

IDRSSD: 1351
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q2

Per-quarter snapshot for 2024-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
69
/ 100
StableAs of 2024-Q2QoQ +7

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

Quarterly Headline

2024-Q2

Bank #1351 2024-Q2 Vital Signs Score: 69/100 — overall stable. Strongest pillar: Asset Quality (strong). Weakest pillar: Capitalization (watch).

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

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  2. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 33.3% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q1 2024:
↑ +7 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    ↑ +1
  • Capitalization
    — —
  • Asset Quality
    ↑ +15
  • Reserves
    ↑ +19

The five pillars

Liquidity

StrongQoQ -1
87
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 65.4%, cash 4.4% of assets.

Cash / Assets
4.37%
Loans / Deposits
65.41%
Brokered %
0.00%
No watch items at this period.

Securities

StableQoQ +1
61
Sub-score

Securities profile is stable: securities 31.7% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
31.67%
No watch items at this period.

Capitalization

Watch
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 14.49%.

Tier 1 RBC
—
CET1
0.00%
Leverage
14.49%

Watch Items

  • riskCET1 below 7% — CET1 0.00% (threshold 7%).

Asset Quality

StrongQoQ +15
89
Sub-score

Asset quality is strong: Adjusted NPL 0.53%, Texas Ratio 2.0%, NCO YTD 0.18%.

Adjusted NPL
0.53%
Govt-guarantees stripped
Texas Ratio
2.0%
NCO YTD
0.18%
30-89 PD
1.39%
Band 0.3% / 3.0%
90+ PD
0.42%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ +19
51
Sub-score

Reserves are deteriorating: ALLL 1.02% of loans, coverage 195.6%, true coverage 33.3%.

ALLL / Loans
1.02%
Coverage
195.6%
True Loss Coverage
33.3%

Watch Items

  • watchTrue Loss Coverage Ratio below 50% — True coverage 33.3% (Adjusted NPL + Performing Mods denominator).

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 23:26:00 UTC