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Gn Bank

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

Vital Signs Report — 2025-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
55
/ 100
WatchAs of 2025-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

2025-Q4

Bank #250476 2025-Q4 Vital Signs Score: 55/100 — overall watch. Strongest pillar: Liquidity (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    ALLL / NPL below 50%
    Reserves — Coverage 10.4% (regulatory soft-warning level 50%).
  2. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 10.4% (Adjusted NPL + Performing Mods denominator).
  3. risk
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 9.06% (govt-guarantees stripped).

What changed this quarter

Compared to Q3 2025:
↓ -3 ptscomposite
  • Liquidity
    — —
  • Securities
    ↓ -22
  • Capitalization
    — —
  • Asset Quality
    ↑ +3
  • Reserves
    ↓ -5

The five pillars

Liquidity

Strong
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 49.7%, cash 12.6% of assets.

Cash / Assets
12.59%
Loans / Deposits
49.66%
Brokered %
0.00%
No watch items at this period.

Securities

WatchQoQ -22
55
Sub-score

Securities profile is deteriorating: securities 33.4% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
33.44%
No watch items at this period.

Capitalization

Watch
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 15.07%.

Tier 1 RBC
—
CET1
0.00%
Leverage
15.07%

Watch Items

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

Asset Quality

WatchQoQ +3
47
Sub-score

Asset quality is deteriorating: Adjusted NPL 9.06%, Texas Ratio 24.5%, NCO YTD 0.13%.

Adjusted NPL
9.06%
Govt-guarantees stripped
Texas Ratio
24.5%
NCO YTD
0.13%
30-89 PD
4.64%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 9.06% (govt-guarantees stripped).

Reserves

RiskQoQ -5
15
Sub-score

Reserves are weak: ALLL 0.94% of loans, coverage 10.4%, true coverage 10.4%.

ALLL / Loans
0.94%
Coverage
10.4%
True Loss Coverage
10.4%

Watch Items

  • riskALLL / NPL below 50% — Coverage 10.4% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 10.4% (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