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Gn Bank

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

Vital Signs Report — 2025-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
58
/ 100
WatchAs of 2025-Q3QoQ -2

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

Quarterly Headline

2025-Q3

Bank #250476 2025-Q3 Vital Signs Score: 58/100 — overall watch. Strongest pillar: Liquidity (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    ALLL / NPL below 50%
    Reserves — Coverage 12.3% (regulatory soft-warning level 50%).
  2. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 12.3% (Adjusted NPL + Performing Mods denominator).
  3. risk
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 9.05% (govt-guarantees stripped).

What changed this quarter

Compared to Q2 2025:
↓ -2 ptscomposite
  • Liquidity
    — —
  • Securities
    ↓ -4
  • Capitalization
    — —
  • Asset Quality
    ↓ -4
  • Reserves
    ↓ -6

The five pillars

Liquidity

Strong
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 52.1%, cash 17.0% of assets.

Cash / Assets
17.03%
Loans / Deposits
52.11%
Brokered %
0.00%
No watch items at this period.

Securities

StableQoQ -4
77
Sub-score

Securities profile is stable: securities 27.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
26.96%
No watch items at this period.

Capitalization

Watch
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 14.71%.

Tier 1 RBC
—
CET1
0.00%
Leverage
14.71%

Watch Items

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

Asset Quality

WatchQoQ -4
44
Sub-score

Asset quality is deteriorating: Adjusted NPL 9.05%, Texas Ratio 25.6%, NCO YTD 0.50%.

Adjusted NPL
9.05%
Govt-guarantees stripped
Texas Ratio
25.6%
NCO YTD
0.50%
30-89 PD
3.14%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 9.05% (govt-guarantees stripped).

Reserves

RiskQoQ -6
20
Sub-score

Reserves are weak: ALLL 1.10% of loans, coverage 12.3%, true coverage 12.3%.

ALLL / Loans
1.10%
Coverage
12.3%
True Loss Coverage
12.3%

Watch Items

  • riskALLL / NPL below 50% — Coverage 12.3% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 12.3% (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