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Gn Bank

IDRSSD: 250476
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
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Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
73
/ 100
StableAs of 2023-Q4QoQ +3

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

Quarterly Headline

2023-Q4

Bank #250476 2023-Q4 Vital Signs Score: 73/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 22.7% (Adjusted NPL + Performing Mods denominator).
  2. watch
    ALLL / NPL below 50%
    Reserves — Coverage 37.0% (regulatory soft-warning level 50%).
  3. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 4.53% (govt-guarantees stripped).

What changed this quarter

Compared to Q3 2023:
↑ +3 ptscomposite
  • Liquidity
    ↓ -5
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +38
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ -5
95
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 80.8%, cash 20.8% of assets.

Cash / Assets
20.82%
Loans / Deposits
80.75%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 21.40%, CET1 21.40%, leverage 13.70%.

Tier 1 RBC
21.40%
CET1
21.40%
Leverage
13.70%
No watch items at this period.

Asset Quality

RiskQoQ +38
38
Sub-score

Asset quality is weak: Adjusted NPL 4.53%, Texas Ratio 20.2%, NCO YTD 0.55%.

Adjusted NPL
4.53%
Govt-guarantees stripped
Texas Ratio
20.2%
NCO YTD
0.55%
30-89 PD
1.59%
Band 0.3% / 3.0%
90+ PD
2.37%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 4.53% (govt-guarantees stripped).
  • watch90+ days past due elevated — 90+ PD 2.37%.

Reserves

Risk
33
Sub-score

Reserves are weak: ALLL 1.65% of loans, coverage 37.0%, true coverage 22.7%.

ALLL / Loans
1.65%
Coverage
37.0%
True Loss Coverage
22.7%

Watch Items

  • watchALLL / NPL below 50% — Coverage 37.0% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 22.7% (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: 2026-05-13 08:20:50 UTC