Visbanking Logo
Skip to main content

Glenwood State Bank Incorporated

IDRSSD: 975854
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
77
/ 100
StableAs of 2024-Q1QoQ +20

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 #975854 2024-Q1 Vital Signs Score: 77/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (watch).

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

Top 3 Watch Items

  1. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 109.7% (threshold 100%).
  2. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.57% of assets (threshold 3%).

What changed this quarter

Compared to Q4 2023:
↑ +20 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    ↑ +7
  • Asset Quality
    ↑ +39
  • Reserves
    ↑ +59

The five pillars

Liquidity

StableQoQ -2
61
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 109.7%, cash 1.6% of assets.

Cash / Assets
1.57%
Loans / Deposits
109.69%
Brokered %
0.00%

Watch Items

  • watchLoans / Deposits above 100% — Loans/Deposits 109.7% (threshold 100%).
  • watchCash / Assets below 3% — Cash 1.57% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.08%
No watch items at this period.

Capitalization

WatchQoQ +7
57
Sub-score

Capital position is deteriorating: Tier 1 RBC 9.73%, CET1 9.73%, leverage 8.71%.

Tier 1 RBC
9.73%
CET1
9.73%
Leverage
8.71%
No watch items at this period.

Asset Quality

StrongQoQ +39
93
Sub-score

Asset quality is strong: Adjusted NPL 0.70%, Texas Ratio 6.6%, NCO YTD -0.03%.

Adjusted NPL
0.70%
Govt-guarantees stripped
Texas Ratio
6.6%
NCO YTD
-0.03%
30-89 PD
0.32%
Band 0.3% / 3.0%
90+ PD
0.66%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ +59
79
Sub-score

Reserves are stable: ALLL 1.12% of loans, coverage 162.0%, true coverage 137.2%.

ALLL / Loans
1.12%
Coverage
162.0%
True Loss Coverage
137.2%
No watch items at this period.

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 19:09:39 UTC