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Bank Of Grandin

IDRSSD: 1351
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
59
/ 100
WatchAs of 2025-Q2QoQ +3

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 #1351 2025-Q2 Vital Signs Score: 59/100 — overall watch. Strongest pillar: Liquidity (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 18.1% (Adjusted NPL + Performing Mods denominator).
  2. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  3. watch
    ALLL / NPL below 50%
    Reserves — Coverage 35.4% (regulatory soft-warning level 50%).

What changed this quarter

Compared to Q1 2025:
↑ +3 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    ↑ +6
  • Capitalization
    — —
  • Asset Quality
    ↑ +7
  • Reserves
    ↓ -1

The five pillars

Liquidity

StrongQoQ 0
85
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 71.5%, cash 3.6% of assets.

Cash / Assets
3.57%
Loans / Deposits
71.48%
Brokered %
0.00%
No watch items at this period.

Securities

StableQoQ +6
69
Sub-score

Securities profile is stable: securities 29.4% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
29.39%
No watch items at this period.

Capitalization

Watch
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 14.16%.

Tier 1 RBC
—
CET1
0.00%
Leverage
14.16%

Watch Items

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

Asset Quality

StableQoQ +7
68
Sub-score

Asset quality is stable: Adjusted NPL 2.74%, Texas Ratio 11.3%, NCO YTD 0.24%.

Adjusted NPL
2.74%
Govt-guarantees stripped
Texas Ratio
11.3%
NCO YTD
0.24%
30-89 PD
1.63%
Band 0.3% / 3.0%
90+ PD
0.47%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.74% (govt-guarantees stripped).

Reserves

RiskQoQ -1
15
Sub-score

Reserves are weak: ALLL 0.96% of loans, coverage 35.4%, true coverage 18.1%.

ALLL / Loans
0.96%
Coverage
35.4%
True Loss Coverage
18.1%

Watch Items

  • watchALLL / NPL below 50% — Coverage 35.4% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 18.1% (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