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Glenwood State Bank Incorporated

IDRSSD: 975854
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q3

Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
63
/ 100
StableAs of 2024-Q3QoQ -10

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

Quarterly Headline

2024-Q3

Bank #975854 2024-Q3 Vital Signs Score: 63/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 108.7% (threshold 100%).
  2. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.97% of assets (threshold 3%).
  3. info
    90+ days past due elevated
    Asset Quality — 90+ PD 1.10%.

What changed this quarter

Compared to Q2 2024:
↓ -10 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    ↓ -7
  • Asset Quality
    ↓ -13
  • Reserves
    ↓ -34

The five pillars

Liquidity

StableQoQ -1
63
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 108.7%, cash 2.0% of assets.

Cash / Assets
1.97%
Loans / Deposits
108.72%
Brokered %
0.00%

Watch Items

  • watchLoans / Deposits above 100% — Loans/Deposits 108.7% (threshold 100%).
  • watchCash / Assets below 3% — Cash 1.97% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.7% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.71%
No watch items at this period.

Capitalization

WatchQoQ -7
49
Sub-score

Capital position is deteriorating: Tier 1 RBC 9.65%, CET1 9.65%, leverage 8.90%.

Tier 1 RBC
9.65%
CET1
9.65%
Leverage
8.90%
No watch items at this period.

Asset Quality

StableQoQ -13
74
Sub-score

Asset quality is stable: Adjusted NPL 1.63%, Texas Ratio 15.5%, NCO YTD 0.79%.

Adjusted NPL
1.63%
Govt-guarantees stripped
Texas Ratio
15.5%
NCO YTD
0.79%
30-89 PD
0.15%
Band 0.3% / 3.0%
90+ PD
1.10%
Band 0.1% / 2.0%

Watch Items

  • info90+ days past due elevated — 90+ PD 1.10%.

Reserves

RiskQoQ -34
32
Sub-score

Reserves are weak: ALLL 0.99% of loans, coverage 61.3%, true coverage 57.0%.

ALLL / Loans
0.99%
Coverage
61.3%
True Loss Coverage
57.0%
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