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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 — 2025-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
74
/ 100
StableAs 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 #975854 2025-Q2 Vital Signs Score: 74/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 105.6% (threshold 100%).

What changed this quarter

Compared to Q1 2025:
↑ +3 ptscomposite
  • Liquidity
    ↓ -3
  • Securities
    — —
  • Capitalization
    ↑ +4
  • Asset Quality
    ↑ +6
  • Reserves
    ↑ +8

The five pillars

Liquidity

StableQoQ -3
68
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 105.6%, cash 3.7% of assets.

Cash / Assets
3.71%
Loans / Deposits
105.63%
Brokered %
0.00%

Watch Items

  • watchLoans / Deposits above 100% — Loans/Deposits 105.6% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.4% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.44%
No watch items at this period.

Capitalization

StableQoQ +4
62
Sub-score

Capital position is stable: Tier 1 RBC 10.58%, CET1 10.58%, leverage 9.50%.

Tier 1 RBC
10.58%
CET1
10.58%
Leverage
9.50%
No watch items at this period.

Asset Quality

StrongQoQ +6
90
Sub-score

Asset quality is strong: Adjusted NPL 1.43%, Texas Ratio 12.6%, NCO YTD 0.10%.

Adjusted NPL
1.43%
Govt-guarantees stripped
Texas Ratio
12.6%
NCO YTD
0.10%
30-89 PD
0.40%
Band 0.3% / 3.0%
90+ PD
0.17%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ +8
52
Sub-score

Reserves are deteriorating: ALLL 1.13% of loans, coverage 80.1%, true coverage 80.1%.

ALLL / Loans
1.13%
Coverage
80.1%
True Loss Coverage
80.1%
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